Want to know how to find more affordable Saturn Astra insurance in Scottsdale? Are you frustrated by the number of auto insurance choices that you can choose from? Lot’s of other people are too. Drivers have such a vast assortment of choices available that it can turn into a burden to find the best premium rates for Saturn Astra insurance in Scottsdale. Everyone knows that Scottsdale is an excellent city in which to live, but getting gouged by high auto insurance rates can make it hard to pay other bills every month.
It goes without saying that insurance companies want to keep your business as long as possible. Drivers who perform rate comparisons will presumably buy a different policy because there is a significant possibility of finding coverage at a cheaper rate. A recent auto insurance study revealed that consumers who made a habit of comparing rates saved over $3,500 over four years compared to people who never compared rates.
If finding low prices for Saturn Astra insurance is your ultimate target, understanding how to get price quotes and compare insurance coverage can help simplify the task of finding more affordable coverage.
You should take the time to compare rates as often as possible since prices are constantly changing. Just because you had the lowest price on Saturn Astra insurance in Scottsdale at your last renewal you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn the fastest and easiest way to find the best coverage while lowering your premiums.
The majority of larger companies like Allstate, GEICO and Progressive allow consumers to get pricing directly from their websites. Getting online rates for Saturn Astra insurance in Scottsdale is very simple as you just type in the amount of coverage you want into the quote form. After you submit the form their quoting system gets your driving and credit reports and returns pricing information based on many factors.
Getting online rates for Saturn Astra insurance in Scottsdale helps simplify price comparisons, and it is important to get many rate quotes if you want to find the lowest car insurance rates.
To quickly compare rates using this form now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. Doing this assures you will be getting comparison quotes for similar coverage.
The following companies can provide free rate quotes in Arizona. If you wish to find the cheapest auto insurance in AZ, we suggest you visit several of them to find the most affordable car insurance rates.
Why car insurance is not optional
Despite the high cost, paying for car insurance may be mandatory for several reasons.
- Most states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Astra has a loan, it’s most likely the lender will make it mandatory that you buy insurance to protect their interest in the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Saturn for a lot more money and force you to pay much more than you were paying before.
- Car insurance protects not only your vehicle but also your financial assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance are definitely more than the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying over $865 each year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.
Information about specific coverages
Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for expenses such as prosthetic devices, hospital visits and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Comprehensive insurance
This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability car insurance
Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/10 that means you have $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for claims such as funeral expenses, legal defense fees, bail bonds and medical services. How much coverage you buy is your choice, but buy as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy more coverage.
The illustration below demonstrates why the minimum limit may not provide you with enough coverage.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage protection
Collision coverage will pay to fix damage to your Astra caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like driving through your garage door, damaging your car on a curb, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible on your Astra to get cheaper collision coverage.
Best auto insurance in Arizona
Buying coverage from the highest-rated car insurance provider can be a challenge considering how many different companies insure vehicles in Scottsdale. The information in the next section may help you analyze which coverage providers you want to consider shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Shop around and save
As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice full coverage and learned later that it was a big mistake. Your focus should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
Consumers leave their current company for any number of reasons including policy cancellation, not issuing a premium refund, delays in responding to claim requests and denial of a claim. It doesn’t matter what your reason, finding the right auto insurance provider is easier than you think.
We just presented a lot of information how to lower your Saturn Astra insurance car insurance rates in Scottsdale. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the smaller companies.
How to buy affordable Saturn Astra insurance in Scottsdale
Truthfully, the best way to get affordable Saturn Astra insurance in Scottsdale is to compare quotes annually from insurers that sell auto insurance in Arizona. Price quotes can be compared by following these steps.
- Step 1: Spend some time learning about the different coverages in a policy and the modifications you can make to keep rates low. Many rating factors that result in higher prices like high-risk driving behaviors and a less-than-favorable credit rating can be eliminated by paying attention to minor details.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies.
- Step 3: Compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate, make sure there is no coverage gap between policies.
- Step 4: Notify your current company of your decision to cancel your existing policy and submit a down payment and signed policy application to your new insurance company. Once received, store the proof of insurance paperwork somewhere easily accessible.
One piece of advice is to try to use similar limits and deductibles on each price quote and and to get price quotes from every company you can. Doing this enables an apples-to-apples comparison and the best price selection.
More tips and info about auto insurance can be read in these articles:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for Police Officers in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for 19 Year Olds in Scottsdale? (FAQ)
- Safety Belts FAQ (iihs.org)
- Understanding Car Crashes Video (iihs.org)
- What is Full Coverage? (Allstate)
- Protect Yourself Against Auto Theft (Insurance Information Institute)