It’s well known that car insurance companies don’t want policyholders to shop around. People who shop around for cheaper price quotes are likely to buy a new policy because the odds are good of finding coverage at a more affordable price. A recent survey found that drivers who compared rate quotes regularly saved over $3,400 over four years compared to other drivers who never shopped for cheaper rates.
If finding the best rates on car insurance in Scottsdale is the reason for your visit, then having some knowledge of the best way to quote and compare coverages can save time and money.
Truthfully, the best way to get affordable car insurance rates is to make a habit of regularly comparing prices from providers in Scottsdale.
First, try to learn about how auto insurance works and the steps you can take to prevent rate increases. Many things that result in higher prices such as accidents, traffic tickets, and a low credit rating can be eliminated by making minor changes in your lifestyle. Keep reading for ideas to help prevent costly coverage and find available discounts that you may qualify for.
Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.
Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
Fourth, provide notification to your current company to cancel your current car insurance policy. Submit a completed policy application and payment to your new insurance company. Once the paperwork is finalized, keep your new proof of insurance certificate with your registration paperwork.
A crucial key to this process is to compare identical coverages on every price quote and to quote with as many companies as you can. This ensures the most accurate price comparison and plenty of rates choose from.
To find the best car insurance rates, there are several ways to obtain and compare prices from lots of Arizona car insurance companies. The recommended way to do a complete rate comparison is to use the internet to compare rates.
Comparing rate quotes online is fast and free, and it makes it obsolete to call or drive to all the different insurance agencies. The ability to get quotes online reduces the need to sit down with an agent unless you prefer the peace of mind that only a licensed agent can provide. If you prefer, some companies allow you to find lower rates online and have a local agent actually service the policy. Just keep in mind that more quotes increases your odds of finding a better price. Some smaller insurers do not give Scottsdale C30 insurance quotes over the internet, so it’s important to compare rates from the smaller companies as well.
The providers in the list below can provide free rate quotes in Arizona. If you wish to find cheap auto insurance in Scottsdale, we suggest you compare several of them in order to get a fair rate comparison.
Auto insurance quotes and discounts
Some providers do not list every discount they offer in a way that’s easy to find, so the following is a list of a few of the more common and also the lesser-known credits available to bring down your rates.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for a slight reduction on a Scottsdale auto insurance quote.
- Defensive Driving Course – Completing a safe driver class may get you a small discount and easily pay for the cost of the class.
- No Accidents – Insureds with no claims or accidents have much lower rates compared to insureds who have frequent claims or accidents.
- Onboard Data Collection – Insureds who allow driving data submission to track driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
- Buy New and Save – Buying coverage on a new vehicle can save up to 30% since new model year vehicles are generally safer.
- Federal Employees – Having worked for a branch of the government could cut as much as 10% off depending on your auto insurance provider.
- Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Don’t be surprised that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.
The example below compares Volvo C30 insurance premiums with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-policy, multi-car, and marriage discounts applied.
A few popular companies and some of their more popular discounts are shown below.
- Farm Bureau may have discounts that include multi-vehicle, good student, safe driver, renewal discount, driver training, and multi-policy.
- State Farm has savings for safe vehicle, defensive driving training, Steer Clear safe driver discount, student away at school, and accident-free.
- Progressive policyholders can earn discounts including continuous coverage, multi-policy, online quote discount, multi-vehicle, online signing, and good student.
- Allstate offers premium reductions for teenSMART discount, FullPay discount, passive restraint, utility vehicle, early signing, and premier plus.
- Nationwide may offer discounts for accident-free, Farm Bureau membership, anti-theft, multi-policy, and easy pay.
- MetLife discounts include defensive driver, accident-free, multi-policy, good driver, and claim-free.
If you need cheaper Scottsdale auto insurance quotes, ask all companies you are considering which discounts you qualify for. Some discounts listed above might not be offered on policies in Scottsdale. To find companies with the best Volvo C30 insurance discounts in Scottsdale, click this link.
Coverage statistics and figures
The price information displayed below highlights a range of insurance coverage prices for Volvo C30 models. Knowing how car insurance prices are figured is important for drivers to make smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C30 T5 R-Design||$224||$474||$338||$20||$102||$1,158||$97|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can raise or lower coverage rates significantly.
The chart below highlights how deductible choice and can affect Volvo C30 insurance rates for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are applied.
Full coverage rates compared to liability-only
The illustration below compares Volvo C30 annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premium estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.
When to switch to liability coverage only
There is no definitive formula for phasing out full coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your Volvo C30 replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If you are paying in excess of $300 annually for physical damage coverage, then it might be time to buy liability only.
There are some circumstances where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
How Insurance Companies Calculate Volvo C30 Insurance Rates
One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that help calculate auto insurance rates. When you know what positively or negatively influences your rates, this allows you to make good choices that could help you find lower auto insurance prices. Lots of factors are taken into consideration when quoting car insurance. Some factors are common sense like an MVR report, but some are less apparent such as your marital status or your vehicle rating.
Shown below are some of the most common factors used by insurance companies to determine premiums.
Continuous auto insurance coverage lowers rates – Driving without insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Arizona department of motor vehicles.
City traffic equals higher premiums – Living in less populated areas of the country has definite advantages when insuring your vehicles. Fewer drivers and short commutes means fewer accidents in addition to lower liability claims. City drivers regularly have more auto accidents and longer commutes to work. Longer commute distances translates into higher accident risk.
Consolidate policies and save money – Lots of companies provide a discount to policyholders that have more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to verify if the discount is saving money.
Gender impacts costs – Statistics demonstrate that females take fewer risks when driving. However, this does not mean men are worse drivers. Both sexes are responsible for auto accidents in similar numbers, but guys have costlier accidents. Men also get more serious tickets like DUI and reckless driving. Young males generally have the highest accident percentage so it costs more to insure them.
The information below shows the comparison of Volvo C30 insurance rates for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no policy discounts are applied.
Raising coverage deductibles saves money – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Volvo. A few examples of covered claims would be collision with another vehicle, hail damage, or theft. The deductibles are the amount of money the insured will be required to pay before your auto insurance pays a claim. The higher the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.
Five star IIHS safety rating saves money – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles reduce injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you. If your Volvo C30 scored at minimum four stars on Safercar.gov you are probably receiving a discount.
When to get advice from a local insurance agent
Certain consumers still like to get advice from a local agent and that is a personal choice. An additional benefit of getting free rate quotes online is that you can find better rates but still work with a licensed agent.
By using this form (opens in new window), the quote information is emailed to local insurance agents in Scottsdale who can give free rate quotes and help you find cheaper coverage. There is no need to contact an agency due to the fact that quote results will go to you. You can find lower rates and work with a local agent. If you wish to compare prices from a specific company, just navigate to their website and submit a quote form there.
Picking an provider requires more thought than just the quoted price. These questions are important to ask:
- Is coverage determined by price?
- How are claims handled?
- What is the agency’s Better Business Bureau rating?
- Does the agency provide any after hours assistance?
- Has the agent ever had any license suspensions?
- Can you contact them at any time?
- How does the company pay claims for a total loss?
After getting good responses and a low price estimate, you’ve probably found an insurance company that meets the criteria to properly service your auto insurance policy. Just understand that it’s your policy and you can terminate your policy any time you want so never assume that you are permanently stuck with any specific company for the entire policy term.
Get the best coverage at the most affordable price
Some insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent insurance agents. Low-cost Volvo C30 insurance in Scottsdale is definitely available on the web as well as from independent agents in Scottsdale, so you need to compare both in order to have the best chance of saving money.
As you quote Scottsdale auto insurance, you should never buy poor coverage just to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. The aim is to buy enough coverage at the best cost and still be able to protect your assets.
To learn more, take a look at the resources below:
- Smart Auto Insurance Tips (Insurance Information Institute)
- How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for a Toyota Highlander? (FAQ)
- What Insurance is Cheapest for Postal Workers in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Institute)