It’s safe to conclude that car insurance companies don’t want their customers to go rate shopping. People who do rate comparisons will, in all likelihood, buy a new policy because there is a significant possibility of finding lower rate quotes. A study showed that consumers who compared price quotes annually saved over $3,450 over four years compared to policyholders who don’t regularly compare prices.
If finding the cheapest rates on insurance is why you’re here, then having some knowledge of how to get rate quotes and compare insurance rates can help you succeed in finding affordable rates.
If saving the most money is your goal, then the best way to save money on Kia Stinger insurance in Scottsdale is to start doing an annual price comparison from providers who sell auto insurance in Arizona.
- Gain an understanding of policy coverages and the steps you can take to prevent rate increases. Many rating criteria that drive up the price like speeding tickets, careless driving and a less-than-favorable credit score can be amended by making small lifestyle or driving habit changes. Read the full article for additional tips to prevent expensive rate increases and earn a bigger discount.
- Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can quote rates from multiple sources.
- Compare the price quotes to your existing rates to see if cheaper Stinger coverage is available. If you can save money and change companies, ensure coverage does not lapse between policies.
An important note is to compare identical coverages on each price quote and and to analyze as many auto insurance providers as possible. This helps ensure an accurate price comparison and a good representation of prices.
It’s important to know that quoting more helps improve the odds of finding lower pricing. Some companies don’t provide online price quotes, so you should also compare rates from the smaller companies as well.
The car insurance companies shown below are ready to provide quotes in Arizona. If you want cheap car insurance in Scottsdale, we recommend you visit two to three different companies to get the lowest price.
Choosing the best vehicle insurance in Arizona is an important decision
Despite the fact that car insurance is not cheap in Scottsdale, insuring your vehicle is required in Arizona but also provides important benefits.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage 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 vehicle has a lienholder, almost every bank will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Kia at an extremely high rate and force you to pay for the expensive policy.
- Car insurance preserves not only your Kia Stinger but also your financial assets. It will also cover hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. As of last year, the average driver in Arizona overpays as much as $850 per year so it’s recommended you shop around once a year at a minimum to ensure rates are inline.
Get cheaper Kia Stinger insurance rates in Scottsdale
Not too many consumers would say car insurance is affordable, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be manually applied prior to getting the savings.
- Driver Safety – Participating in a defensive driver course could save 5% or more and easily pay for the cost of the class.
- Bundle and Save – If you can bundle your home and auto insurance and insure them both with the same insurance company you may earn approximately 10% to 15%.
- Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Active Service Discounts – Being on active duty in the military could be rewarded with lower premium rates.
- College Student Discount – Kids who live away from home to go to college and do not have a car could qualify for this discount.
As a sidenote, some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.
Large car insurance companies and their possible discounts are included below.
- Esurance offers premium reductions for multi-policy, emergency road assistance, anti-lock brakes, anti-theft, and online shopper.
- The Hartford discounts include good student, vehicle fuel type, driver training, air bag, and defensive driver.
- AAA has savings for multi-car, good student, pay-in-full, anti-theft, AAA membership discount, education and occupation, and good driver.
- GEICO includes discounts for emergency military deployment, anti-theft, anti-lock brakes, seat belt use, military active duty, air bags, and defensive driver.
- State Farm offers discounts including anti-theft, Steer Clear safe driver discount, driver’s education, accident-free, student away at school, multiple autos, and defensive driving training.
It’s a good idea to ask each company to give you their best rates. Discounts might not be available to policyholders in Scottsdale. To see insurers who offer discounts in Scottsdale, click this link.
Local Scottsdale insurance agents
Certain consumers still prefer to talk to a local agent and doing that can be a smart decision One of the great benefits of price shopping on the web is you may find cheap auto insurance rates and still have a local agent.
To find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to local insurance agents in Scottsdale who will give you quotes for your insurance coverage. There is no reason to even leave your home because quoted prices will be sent to you directly. You can find the lowest rates without requiring a lot of work. In the event you want to quote rates from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.
Finding the right insurance company shouldn’t rely on just a low price. These are valid questions to ask:
- Does the agency have a positive business rating?
- Is the quote a firm price?
- Will the agent or a CSR service your policy?
- How would your car be valued if totaled?
- Are there any discounts for paying up front?
The following is a list of auto insurance companies in Scottsdale willing to provide price quote information for Kia Stinger insurance in Scottsdale.
American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 – View Map
Insurance agents can help
When buying your policy for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that.
For example, these questions may help highlight if you might need professional guidance.
- Can my teen driver be rated on a liability-only vehicle?
- What can I do if my company won’t pay a claim?
- Do I have coverage if I rent a car in Mexico?
- Am I covered if I wreck a rental car?
- Does coverage extend to a rental car in a foreign country?
- What is medical payments coverage?
- Should I bundle my homeowners policy with my auto?
- What discounts do I qualify for?
- I don’t drive much so do I pay less?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Coverages available on your policy
Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average car insurance policy.
Collision – This covers damage to your Stinger caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible on your Stinger to bring the cost down.
Liability – This coverage provides protection from damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/10 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should consider buying more coverage.
The illustration below shows why buying minimum limits may not be enough.
Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, dental work, funeral costs, surgery and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Kia Stinger.
Since many Arizona drivers carry very low liability coverage limits (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, fire damage and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Quote more and you will save more
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
We just showed you a lot of techniques to lower your Kia Stinger insurance premium rates in Scottsdale. The key concept to understand is the more companies you get prices for, the higher the chance of saving money. You may even discover the lowest premium rates are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
Additional information is located below:
- Determining Auto Insurance Rates (GEICO)
- What Insurance is Cheapest for 16 Year Olds in Scottsdale? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)