Want to learn the secrets to finding more competitive Chevy Cruze insurance in Scottsdale? Did you make the mistake of buying overpriced Chevy Cruze insurance in Scottsdale? Say no more because there are a lot of people in Scottsdale just like you who feel imprisoned by their auto insurance policy.
It’s easy to assume that auto insurance companies want to keep your business as long as possible. Drivers who get price quotes annually are highly likely to move their business because there is a significant possibility of finding coverage at a cheaper rate. A study discovered that people who compared prices regularly saved an average of $3,500 over four years as compared to drivers who never shopped around for better prices.
If finding the best price on insurance in Scottsdale is why you’re reading this, then having some insight into how to find companies and compare insurance rates can help simplify the task of finding more affordable coverage.
How to find low-cost rates for Chevy Cruze insurance in Scottsdale
The preferred way to find lower priced car insurance rates in Scottsdale is to compare prices at least once a year from different companies who can sell car insurance in Arizona. Prices can be compared by completing these steps.
First, try to comprehend how companies set rates and the changes you can make to keep rates low. Many policy risk factors that cause rate increases such as traffic citations, accidents, and poor credit history can be rectified by being financially responsible and driving safely.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can quote rates from multiple sources.
Third, compare the new rates to your existing policy to see if cheaper Cruze coverage is available. If you find a better price and make a switch, make sure coverage is continuous and does not lapse.
Fourth, provide written notification to your current company to cancel your current policy and submit a down payment and signed policy application to your new company or agent. Don’t forget to put the new proof of insurance certificate in an accessible location in your vehicle.
The most important part of shopping around is to make sure you enter the same coverage limits and deductibles on every price quote and and to get quotes from every insurance company. This ensures the most accurate price comparison and the best price quote selection.
Many insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest price on Chevy Cruze insurance in Scottsdale.
If you have insurance now, you stand a good chance to be able to get lower rates using the following tips. Finding affordable car insurance coverage in Scottsdale can really be easy if you know what you’re doing. Nevertheless, Arizona vehicle owners need to learn how companies price online insurance because it varies considerably.
To find cheaper rates, there are a couple of ways to compare quotes from different Scottsdale insurance companies. The simplest method to find the lowest Chevy Cruze rates is to use the internet to compare rates.
It’s so fast and easy to compare price quotes online that it replaces the need to drive around to different Scottsdale agent offices. The ability to get quotes online reduces the need to sit down with an agent unless you want the professional advice of a local Scottsdale agent. Some companies do allow you to get the lowest quotes online but buy the policy through an agent. When comparing insurance rates, know that comparing a large number of companies provides better odds of finding a better price. Not every company provides online price quotes, so you also need to get rates from the smaller companies as well.
The auto insurance companies shown below are our best choices to provide quotes in Arizona. If you want the cheapest auto insurance in AZ, it’s highly recommended you get price quotes from several of them to find the most affordable auto insurance rates.
Insurance is an important decision
Despite the fact that insurance is not cheap in Scottsdale, buying insurance serves a purpose in several ways.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to get the vehicle licensed. 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 you bought your Cruze with a loan, it’s most likely the lender will require that you carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Chevy at a much higher premium rate and require you to reimburse them for the expensive policy.
- Insurance protects not only your Chevy Cruze but also your financial assets. It also can pay for medical expenses incurred in an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance outweigh the cost, especially when you need to use it. The average driver in Arizona overpays as much as $825 a year so smart consumers compare quotes at every renewal to save money.
How You Can Control Chevy Cruze Insurance Premiums
Lots of things are part of the equation when you get a price on insurance. Some factors are common sense such as your driving history, but some are not as apparent such as whether you are married or your financial responsibility. The best way to find cheaper insurance is to take a look at a few of the rating criteria that help determine your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that can help you get cheaper rates.
The items below are some of the most common factors companies use to determine your premiums.
- Safer vehicles means cheaper premiums – Safer cars cost less to insure. These vehicles reduce occupant injuries and reduced instances of injuries means your insurance company pays less which can result in lower premiums.
- Amount of liability – A critical coverage on your policy, liability insurance will afford coverage in the event that you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides legal defense coverage which can cost thousands of dollars. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
- Poor driving habits leads to higher prices – Whether or not you get tickets has a big impact on rates. Good drivers get better prices than bad drivers. Just one speeding ticket or other violation could increase your next policy renewal twenty percent or more. Drivers who have severe citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to keep their license.
- Add-on coverages can waste money – There are a ton of additional coverages that you can get tricked into buying on your insurance policy. Coverages like coverage for rental cars, death and dismemberment, and additional equipment coverage are examples of these. They may seem good when talking to your agent, but if you’ve never needed them in the past remove them from your policy.
- Claim-free discounts can add up – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies in Arizona award the lowest premiums to people that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that pose a financial burden.
- Know your credit rating – An insured’s credit history is a big factor in determining what you pay. Drivers who have very good credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores. Therefore, if your credit history is not that good, you could be paying less to insure your Chevrolet Cruze by improving your rating.
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Loss probability for a Chevy Cruze – Insurance companies use past loss statistics for each vehicle to help calculate premium costs. Vehicles that have high amounts or severity of claims will have higher rates for specific coverages. The table below shows the compiled insurance loss statistics for Chevy Cruze vehicles.
For each type of coverage, the claim probability for all vehicles compiled together equals 100. Values that are under 100 suggest losses that are better than average, while values that are 100 or greater indicate more frequent claims or larger claims.
Insurance Loss Ratings for Chevrolet Cruze Vehicles Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Cruze 96 132 87 136 153 152 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Which is the best car insurance?
Always keep in mind that when comparing a policy for your personal vehicles, there really is not a best way to insure your cars. Your needs are unique to you.
For instance, these questions could help you determine if you might need an agent’s assistance.
- When do I need to add a new car to my policy?
- What is glass protection for?
- Does having multiple vehicles earn me a discount?
- What is the rate difference between pleasure use and commuting?
- Will my insurance pay for OEM parts?
- Is a blown tire covered by insurance?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Persistence pays off
In this article, we presented a lot of techniques to lower your Chevy Cruze insurance prices in Scottsdale. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a smaller regional carrier.
Some insurance providers do not provide the ability to get quotes online and usually these smaller companies prefer to sell through local independent agents. Lower-priced insurance in Scottsdale is possible on the web as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture.
Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, delays in responding to claim requests or questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is less work than it seems.
How to buy discount Chevy Cruze insurance in Scottsdale
If you want to find the absolute lowest rates, then the best way to find more affordable Chevy Cruze insurance in Scottsdale is to compare quotes annually from companies in Arizona.
- First, try to learn a little about how car insurance works and the steps you can take to keep rates down. Many factors that drive up the price such as multiple speeding tickets and poor credit history can be eliminated by making minor changes in your lifestyle.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can give you price quotes from many different companies.
- Third, compare the quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, notify your company or agent of your decision to cancel the current policy. Submit a down payment along with a completed application to the new company. Once the application is submitted, place the new certificate verifying proof of insurance somewhere easily accessible.
One key aspect of rate comparisons is to make sure you enter the same amount of coverage on each price quote and and to get price quotes from all possible companies. This ensures a level playing field and the most accurate and complete price analysis.
Much more information about insurance in Arizona is available on the following sites:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Rates for a Nissan Altima in Scottsdale? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in Scottsdale? (FAQ)
- How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- How to shop for a safer car (Insurance Institute for Highway Safety)