Think you have high-priced Lincoln MKC insurance in Scottsdale? Trust us, many Scottsdale consumers feel financially strained by their insurance policy.
It’s a known fact that car insurance companies don’t want you to look for a cheaper policy. People who compare rates once a year are likely to switch companies because they stand a good chance of finding a cheaper policy. A study discovered that drivers who faithfully checked for cheaper rates saved $865 annually compared to people who never shopped for cheaper rates.
If finding discount rates on Lincoln MKC insurance in Scottsdale is why you’re reading this, then learning a little about how to get rate quotes and compare car insurance can help simplify the process.
How to quote cheaper Lincoln MKC insurance in Scottsdale
If you want to save money, the best way to get discount Lincoln MKC insurance in Scottsdale is to compare prices regularly from different companies in Arizona.
First, it will benefit you to learn about how insurance companies determine prices and the things you can change to prevent expensive coverage. Many factors that cause high rates such as traffic violations and a not-so-good credit rating can be controlled by paying attention to minor details.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while independent agents can quote rates from many different companies. Compare rates now
Third, compare the quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give proper notification to your current agent or company to cancel your current car insurance policy. Submit payment and a completed application to your new insurance company. Be sure to put the proof of insurance certificate in your vehicle’s glove compartment or console.
A valuable tip to remember is to try to use the same physical damage deductibles and liability limits on each quote and and to look at as many car insurance companies as possible. Doing this ensures the most accurate price comparison and maximum price selection.
Companies like State Farm, GEICO and Farmers Insurance continually bombard you with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
If you have a policy now, you will definitely be able to lower your rates using the tips covered below. Finding the cheapest coverage in Scottsdale is really quite simple as long as you have a good starting point. Nevertheless, Arizona car owners need to learn how insurance companies calculate their prices and use it to find better rates.
Best Lincoln MKC insurance price quotes in Arizona
The companies in the list below have been selected to offer quotes in Arizona. If you want to find the best cheap car insurance in Scottsdale, we suggest you visit several of them in order to get a fair rate comparison.
Get cheaper Lincoln MKC insurance rates in Scottsdale
Auto insurance is easily one of your largest bills, but you might find some hidden discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of purchase, but a few must be specially asked for prior to receiving the credit. If you do not check that you are getting every discount possible, you are just wasting money.
- Low Mileage – Maintaining low annual mileage could earn substantially lower prices.
- Discounts for Multiple Vehicles – Buying insurance for all your vehicles with the same auto insurance company can reduce rates for all insured vehicles.
- ABS Braking Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and will save you 10% or more on MKC insurance in Scottsdale.
- Discounts for New Vehicles – Buying insurance coverage on a new vehicle can save you some money since new vehicles have better safety ratings.
- Drive Safe and Save – Drivers without accidents may receive a discount up to 45% as compared to drivers with claims.
- Driver Safety – Taking a course teaching driver safety skills can save you 5% or more depending on where you live.
- Payment Discounts – By paying your policy upfront instead of paying each month you can avoid the installment charge.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
- Bundle and Save – When you combine your auto and homeowners insurance with the same company you could get a discount of at least 10% off all policies.
- Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts could see savings of more than 20%.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount should definitely cut your policy cost.
Some companies that have these discounts include:
Before buying, ask each insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in every state. To find insurers who offer auto insurance discounts in Scottsdale, click here.
Buying from insurance agencies
Certain consumers would rather talk to a local agent and there is nothing wrong with that. One of the great benefits of comparing rates online is you can get cheap rate quotes but also keep your business local. Buying from and supporting small agencies is still important in Scottsdale.
By using this short form, your insurance data is instantly submitted to local insurance agents who will give competitive quotes for your business. You never need to contact any insurance agencies because prices are sent to you instantly. You can get cheaper car insurance rates and work with a local agent. If you want to quote rates from a specific car insurance provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Finding the right company shouldn’t rely on just the quoted price. Before buying a policy in Scottsdale, get answers to these questions.
- Can glass repairs be made at your home?
- Do they have cheaper tiers of coverage?
- Do the companies they represent have a solid financial rating?
- Will the agent or a CSR service your policy?
- Do they get paid more for recommending certain coverages?
- Does the agent help file claims?
If you get answers to your satisfaction to any questions you have and an acceptable price quote, you may have found an insurance company that meets your needs to properly insure your vehicles.
Arizona car insurance company ratings
Selecting the best car insurance company is hard considering how many companies provide coverage in Arizona. The company ratings listed below can help you pick which auto insurers you want to consider shopping prices with.
Top 10 Scottsdale Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Insurance coverage basics
Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.
Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers things such as repair costs for stationary objects, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy better liability coverage.
The illustration below shows why minimum state limits may not be adequate coverage.
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hitting a bird, damage from getting keyed, theft and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverage protection
This coverage will pay to fix damage to your MKC resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like backing into a parked car, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your MKC to get cheaper collision coverage.
Coverage for medical expenses
Med pay and PIP coverage pay for bills for pain medications, doctor visits and dental work. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible
Persistence pays off
In this article, we covered quite a bit of information on how to compare Lincoln MKC insurance rates in Scottsdale. The key concept to understand is the more times you quote, the better likelihood of getting affordable Lincoln MKC insurance quotes. Consumers could even find that the lowest rates are with the least-expected company. These companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.
As you quote Scottsdale auto insurance, don’t be tempted to buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price while still protecting your assets.
Steps to quoting cheaper Lincoln MKC insurance in Scottsdale
The most effective way to get low-cost Lincoln MKC insurance is to compare quotes once a year from companies who sell insurance in Scottsdale.
Step 1: Try to comprehend how auto insurance works and the things you can change to drop your rates. Many rating factors that drive up the price like traffic citations and poor credit history can be remedied by making minor changes in your lifestyle.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies. Compare rates now
Step 3: Compare the price quotes to your existing coverage to see if a cheaper rate is available in Scottsdale. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
An important bit of advice to remember is that you use identical deductibles and limits on each quote request and and to get price estimates from as many companies as possible. This ensures the most accurate price comparison and the best price quote selection.
To read more, feel free to visit the resources below:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What Car Insurance is Cheapest for a 20 Year Old Female in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)