It’s a known fact that insurance companies don’t want you to look at other companies. Drivers who do rate comparisons are inclined to switch car insurance companies because there is a high probability of finding a lower rate. Surprisingly, a recent survey revealed that consumers who compared rates once a year saved $70 a month compared to other drivers who never compared prices.
If finding the best rates on Mazda 2 insurance in Scottsdale is your goal, learning the best way to shop and compare coverage rates can make shopping around easier.
It takes a few minutes, but the best way to get the cheapest Mazda 2 insurance in Scottsdale is to annually compare prices from insurers in Arizona.
Step 1: Try to understand what is in your policy and the things you can control to prevent expensive coverage. Many things that drive up the price such as at-fault accidents, speeding tickets, and an unacceptable credit history can be controlled by paying attention to minor details.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.
Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper 2 coverage is available. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Tell your current company to cancel your current auto insurance policy. Submit payment and a completed application to the new insurer. As soon as you have the new policy, place the new proof of insurance certificate along with the vehicle’s registration papers.
A key point to remember is to use identical coverage information on each quote request and and to get rates from every insurance company. This provides the most accurate price comparison and plenty of rates choose from.
Lower rates by qualifying for these five discounts
Companies offering auto insurance don’t list the entire discount list very clearly, so the next list breaks down some of the more common and also the more inconspicuous credits available to lower your premiums when you buy Scottsdale car insurance online.
- Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off PIP or medical payments premium.
- Responsible Drivers – Safe drivers can save up to 40% or more on their Scottsdale car insurance quote than their less cautious counterparts.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
- Discount for Life Insurance – Larger insurance carriers have a small discount if you purchase auto and life insurance together.
- Defensive Driver – Participating in a driver safety class may get you a small discount depending on where you live.
Just know that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will cut your overall premium however.
A list of companies and a selection of discounts include:
- State Farm has savings for good driver, good student, anti-theft, defensive driving training, accident-free, driver’s education, and passive restraint.
- Progressive policyholders can earn discounts including online signing, multi-vehicle, online quote discount, multi-policy, homeowner, and good student.
- Travelers offers discounts including multi-policy, new car, hybrid/electric vehicle, home ownership, driver training, payment discounts, and save driver.
- American Family may offer discounts for bundled insurance, mySafetyValet, multi-vehicle, air bags, defensive driver, accident-free, and good driver.
- Liberty Mutual offers discounts for newly retired, good student, newly married, exclusive group savings, multi-car, and teen driver discount.
If you need lower rates, check with each insurance company which discounts they offer. Some credits may not apply to policyholders in Scottsdale. To view insurance companies that offer some of these discounts in Arizona, click here to view.
Just keep in mind that comparing all the rates in your area will enable you to find better pricing. Not every company allows you to get Scottsdale 2 insurance quotes over the internet, so it’s recommended that you also compare price estimates on coverage from those companies, too.
The car insurance companies shown below have been selected to offer free rate quotes in Arizona. If you want the best auto insurance in Scottsdale, AZ, we recommend you compare several of them in order to get a fair rate comparison.
Are insurance agencies of importance?
Certain consumers just want to sit down and talk to an agent and doing that can be a smart decision The biggest benefit of price shopping on the web is that you can find lower rates but also keep your business local. Buying from neighborhood agents is still important in Scottsdale.
After filling out this short form, the coverage information is emailed to insurance agents in Scottsdale who will give you quotes and help you find cheaper coverage. There is no need to visit any agencies because prices are sent directly to you. You’ll get the best rates and an insurance agent to talk to. If you have a need to compare rates for a specific company, feel free to find their quoting web page to submit a rate quote request.
If you’re trying to find a local Scottsdale insurance agent, you must know there are a couple different types of agencies and how they can quote your rates. Auto insurance policy providers may be either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents (or Brokers)
Independent agents often have affiliation with several companies so they can insure your vehicles through lots of different companies and find you the best rates. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured.
If you need lower rates, you absolutely need to contact several independent insurance agents to maximize your price options. Many can place coverage with companies that do not advertise much who may have lower rates.
The following is a small list of independent insurance agencies in Scottsdale who may provide free auto insurance rate quotes.
- Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map
- Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map
Agents that choose to be exclusive can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agents receive a lot of sales training on what they offer which helps them compete with independent agents. Many people buy from the same agent for years partially due to the prominence of the brand instead of buying on price only.
Listed below is a list of exclusive insurance agencies in Scottsdale that are able to give price quotes.
- Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090 – View Map
- Brock T Quinn – State Farm Insurance Agent
8100 E Indian School Rd #102 – Scottsdale, AZ 85251 – (480) 668-3878 – View Map
- Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119 – View Map
Finding a good insurance agency is decision based upon more than just the quoted price. Here are some questions to ask:
- If you raise deductibles, how much can you save?
- If independent agents, which companies do they recommend?
- Are claims handled at the agent’s location?
- Can they help ensure a fair claim settlement?
- Do they assist clients in filing claims?
Why you need quality insurance for your Mazda 2
Despite the high cost, insurance is required in Arizona but it also protects you in many ways.
- Most states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability 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 all lenders will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Mazda at a much higher premium rate and force you to reimburse them for it.
- Insurance safeguards both your vehicle and your personal assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of buying insurance are without a doubt worth the cost, especially for larger claims. But the average driver in Arizona overpays as much as $810 a year so shop around each time the policy renews to help ensure money is not being wasted.
Learn about auto insurance coverages for a Mazda 2
Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a broken windshield, hail damage, damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as damaging your car on a curb, hitting a mailbox, crashing into a ditch, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your 2 in order to get cheaper collision rates.
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.
Coverage for liability
This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/10 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like repair bills for other people’s vehicles, court costs and funeral expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should think about purchasing more coverage.
The next chart demonstrates why buying minimum limits may not be high enough to adequately cover claims.
Medical costs insurance
Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, dental work, hospital visits, chiropractic care and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
How to find a good Scottsdale auto insurance company
Finding the best company can be a challenge considering how many choices drivers have in Arizona. The rank data below may help you analyze which companies you want to consider when looking for cheaper rates.
Top 10 Scottsdale Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Persistence is the key to cheaper rates
You just read a lot of techniques to reduce Mazda 2 insurance auto insurance rates online in Scottsdale. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding affordable Mazda 2 insurance quotes. You may even discover the best price on car insurance is with a small local company.
People change insurance companies for a number of reasons such as policy non-renewal, delays in paying claims, extreme rates for teen drivers and high prices. Regardless of your reason for switching companies, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits and found out when filing a claim they didn’t have enough coverage. The aim is to buy enough coverage at the lowest possible cost and still be able to protect your assets.
More detailed car insurance information is available at these sites:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Scottsdale? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Male in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for Seniors in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Hybrid Vehicles in Scottsdale? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)