Unimaginable but true, nearly 70% of consumers kept their policy with the same company for at least the last four years, and practically 40% of car insurance customers have never compared rates to find affordable insurance. With the average premium in Arizona being $1,600, drivers could save themselves as much as $700 a year, but they think it’s difficult to save money by comparing rate quotes.
The easiest way to get affordable Tesla Model 3 insurance in Scottsdale is to compare prices once a year from companies who sell insurance in Arizona.
- Try to learn a little about auto insurance and the changes you can make to lower rates. Many rating factors that drive up the price like inattentive driving and poor credit history can be amended by making minor driving habit or lifestyle changes. Keep reading for additional tips to get lower rates and find missing discounts.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while independent agents can quote prices from multiple sources.
- Compare the price quotes to your existing coverage to see if a cheaper price is available in Scottsdale. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
The most important part of this process is to make sure you enter the same amount of coverage on each quote request and to quote with as many companies as you can. This guarantees an accurate price comparison and a complete selection of prices.
If you have a current car insurance policy or just want cheaper rates, take advantage of these tips to reduce the price you pay and still have adequate protection. Quoting and buying the lowest cost car insurance coverage in Scottsdale is simple if you know the tricks. Comparison shoppers only have to learn how to compare rates over the internet.
Cheapest companies for Tesla Model 3 insurance in Arizona
The following companies are our best choices to provide quotes in Scottsdale, AZ. To buy the best cheap auto insurance in Scottsdale, we suggest you click on several of them to get the best price comparison.
Take policy discounts and save on Tesla Model 3 insurance in Scottsdale
Insurance is expensive, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be manually applied in order for you to get them. If they aren’t giving you every credit available, you are just wasting money.
- Student Discount for Driver Training – Teen drivers should successfully take a driver’s education course if offered at their school.
- Military Deployment Discount – Having a family member in the military could be rewarded with lower prices.
- No Claims – Drivers with accident-free driving histories have much lower rates when compared to insureds who have frequent claims or accidents.
- Low Miles Discount – Driving less could be rewarded with slightly better prices than normal.
- Mature Driver Discount – Older drivers are able to get a small discount on rates.
Don’t be surprised that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.
A few popular companies and some of their more popular discounts can be read below.
- The Hartford offers premium reductions for driver training, good student, vehicle fuel type, bundle, defensive driver, and air bag.
- American Family discounts include early bird, defensive driver, air bags, accident-free, and Steer into Savings.
- Progressive offers discounts for homeowner, multi-vehicle, online quote discount, online signing, multi-policy, and good student.
- Travelers has discounts for multi-car, save driver, IntelliDrive, driver training, and student away at school.
- Farmers Insurance may have discounts that include electronic funds transfer, pay in full, distant student, early shopping, mature driver, and bundle discounts.
- USAA policyholders can earn discounts including defensive driver, military installation, safe driver, multi-vehicle, vehicle storage, multi-policy, and good student.
- Liberty Mutual has savings for multi-policy, teen driver discount, new vehicle discount, multi-car, good student, and safety features.
When comparing rates, check with all companies you are considering the best way to save money. A few discounts may not apply in Scottsdale. If you would like to choose from a list of insurance companies offering insurance discounts in Scottsdale, click this link.
Can’t I compare prices from local Scottsdale insurance agents?
Some consumers would rather sit down with an agent and that is not a bad decision Most agents can help you build your policy and help you file claims. The best thing about getting online price quotes is the fact that you can find cheap insurance quotes and also buy local. And supporting local agencies is still important in Scottsdale.
Once you complete this short form, your information is emailed to local insurance agents that can give you free Scottsdale car insurance quotes for your insurance coverage. You won’t need to leave your house because quoted prices will be sent instantly to you. If you want to compare prices from a specific company, you can always jump over to their website and fill out the quote form the provide.
When finding a reputable insurance agent or broker, you need to know there are two different types of agencies and how they work. Insurance agents in Scottsdale are classified as either independent or exclusive depending on the company they work for. Either type can write insurance policies, but it’s worth mentioning the difference in how they write coverage since it may influence your selection of an agent.
Independent Insurance Agents (or Brokers)
Independent agents do not sell for just one brand so they have the ability to put coverage through many different insurance companies and get you the best rates possible. If your agent finds better pricing, they can switch companies in-house and you can keep the same agent. If you are comparing insurance prices, you should always get insurance quotes from at least one independent agent for maximum quote selection. A lot of them also have access to mutual insurance companies which could offer lower prices.
The following are independent insurance agents in Scottsdale that can give you free insurance rate quotes.
- Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map - Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100 – View Map
Exclusive Agencies
Agents in the exclusive channel can only quote rates from one company and examples are AAA, Allstate, and State Farm. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. These agents are highly trained on their company’s products and that enables them to sell even at higher rates. Some insured continue to purchase coverage from exclusives partially due to high brand loyalty rather than having the cheapest rates.
Listed below are Scottsdale exclusive insurance agencies who can help you get rate quotes.
- John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100 – View Map - American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 – View Map - American Family Insurance – Rebecca Navarre Agency Inc.
8096 N 85th Way d101 – Scottsdale, AZ 85258 – (480) 905-0102 – View Map
Finding the right auto insurance agent needs to be determined by more than just a cheap price. Before buying a policy in Scottsdale, get answers to these questions.
- Are they paid to recommend certain coverages?
- Do they assist clients in filing claims?
- Are you getting all the discounts the company offers?
- Do they specialize in personal lines coverage in Scottsdale?
- Can they help ensure a fair claim settlement?
- Will the quote change when the policy is issued?
- Do they have designations such as AIC, CPCU, or CIC?
- Are there any extra charges for paying monthly?
Shop smart and save
While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced full coverage only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best possible price while still protecting your assets.
Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, high prices, high rates after DUI convictions and even denial of a claim. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.
In this article, we covered some good ideas how to shop for Tesla Model 3 insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.
Helpful articles
- Tools for Teen Driving Safety (State Farm)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a School Permit in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance for High School Students in Scottsdale? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- All About Airbag Safety (State Farm)
- Safe Vehicles for Teens (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)