If you want to save the most money, the best way to find better pricing on auto insurance rates in Scottsdale is to make a habit of regularly comparing prices from insurers that sell auto insurance in Arizona. Prices can be compared by completing these steps.
- First, it will benefit you to learn about how insurance works and the things you can control to prevent rate increases. Many things that cause rate increases like at-fault accidents, careless driving, and an unacceptable credit rating can be eliminated by paying attention to minor details. Read the full article for more ideas to help reduce prices and find discounts that you may qualify for.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while independent agents can provide prices for a wide range of insurance providers.
- Third, compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you can save some money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide written notification to your current company to cancel your current policy and submit a down payment along with a completed application to your new company or agent. Be sure to place the new proof of insurance certificate with the vehicle registration.
An important bit of advice to remember is to use identical deductibles and limits on each quote and and to get price estimates from as many companies as you can. Doing this enables a fair rate comparison and a complete price analysis.
We don’t have to point out that fact that insurance companies don’t want their customers to go rate shopping. People who rate shop once a year are inclined to switch companies because of the high probability of finding a more affordable policy. A recent survey discovered that drivers who regularly compared rates saved about $70 a month compared to policyholders who never shopped around for lower prices.
If finding the cheapest price for insurance in Scottsdale is your ultimate goal, then learning a little about how to quote prices and compare car insurance can make the process more efficient.
Chevy Tahoe insurance discounts in Scottsdale
Auto insurance is easily one of your largest bills, but there are discounts available that many people don’t even know exist. Some trigger automatically at quote time, but less common discounts must be inquired about prior to getting the savings. If you do not double check each discount available, you are paying more than you should be.
- Safety Restraint Discount – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- Discount for Low Mileage – Driving fewer miles could earn lower rates on the low mileage vehicles.
- Discount for Swiching Early – Some auto insurance companies provide a discount for buying a policy prior to the expiration date on your current Tahoe insurance policy. Ten percent is about the average savings.
- Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
- Active Military Service – Having an actively deployed family member could qualify you for better rates.
- Buy New and Save – Buying auto insurance coverage on a new vehicle can get you a discount since newer models have better safety ratings.
- Responsible Driver Discounts – Accident-free drivers can pay as much as 50% less as compared to drivers with claims.
- Defensive Driving Course – Successfully completing a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
One thing to note about discounts is that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you could get a free auto insurance policy, you won’t be that lucky.
The illustration below shows the difference between Chevy Tahoe auto insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, claim-free, multi-policy, and marriage discounts applied.
To choose providers with discount rates in Scottsdale, click here.
Most major insurance companies like GEICO, State Farm and Progressive provide pricing from their websites. Getting online quotes for Chevy Tahoe insurance in Scottsdale is pretty painless as you just type in your personal and coverage information into the quote form. After you complete the form, their quoting system will obtain your driving record and credit report and quotes a price based on these and other factors.
This makes comparing rates easy, and it’s also necessary to perform this step if you want to find a lower rate.
If you want to find out what other companies charge, compare rates from the companies below. If you currently have coverage, we recommend you replicate your coverages identical to your current policy. Doing this assures you will be getting comparison quotes for the exact same coverage.
The auto insurance companies shown below have been selected to offer free rate quotes in Arizona. If you wish to find cheap car insurance in Arizona, it’s highly recommended you visit two to three different companies in order to find the most competitive rates.
Analysis of Chevy Tahoe rates
The rate information displayed below highlights different prices for Chevy Tahoe models. Having knowledge of how premiums are determined can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Tahoe LS 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Tahoe LT 2WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Tahoe LT 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Tahoe LTZ 2WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Tahoe LTZ 4WD | $250 | $538 | $314 | $18 | $94 | $1,214 | $101 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can influence price quotes greatly.
Choosing deductibles
One common question asked by Scottsdale drivers is how high or low should comp and collision deductibles be. The following insurance rates can help show the rate difference of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Tahoe LS 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Tahoe LT 2WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Tahoe LT 4WD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Tahoe LTZ 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Tahoe LTZ 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Tahoe LS 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Tahoe LT 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Tahoe LT 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Tahoe LTZ 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Tahoe LTZ 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific Scottsdale garaging location which can modify rates significantly.
Based on this data, using a $100 deductible will cost you approximately $22 more each month or $264 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 18 months between claim filings, you would probably be better off if you elect the higher deductible. The table below shows a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $101 |
| Average monthly premium for $500 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One thing to note is that increasing deductibles to lower your rates means you will have to pay more of your own money when you have a comprehensive or collision claim. You will want to have enough savings in the event you have to pay the higher deductible.
The illustration below highlights how deductible choice and can change Chevy Tahoe premium costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
When do I need an agent’s advice?
When quoting and comparing a policy for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that.
These are some specific questions could help you determine whether or not you might need an agent’s assistance.
- Should I drop comprehensive coverage on older vehicles?
- What is an SR-22 filing?
- Does my medical payments coverage pay my health insurance deductible?
- Am I covered if I back into my garage door?
- Why am I required to get a high-risk car insurance policy?
- Can I afford to pay high deductible claims out of pocket?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Neighborhood insurance agents
A lot of people still prefer to get advice from a local agent and doing that can be a smart decision A good thing about price shopping on the web is you may find cheap rate quotes but also keep your business local.
Upon completion of this simple form, your insurance data is immediately sent to companies in Scottsdale who will gladly provide quotes for your coverage. You won’t even need to visit any agencies since price quotes are sent directly to you. You can find lower rates AND an agent nearby. If you wish to get a price quote from a specific company, just go to their quote page and fill out the quote form the provide.
Choosing an insurance company should depend on more than just a cheap price. These are some questions you should get answers to.
- Do they get paid more for recommending certain coverages?
- What are their preferred companies if they are an independent agency?
- Where are claims handled?
- Does the agency provide any after hours assistance?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Compare rates from both independent and exclusive auto insurance agents
If you prefer to buy insurance from an insurance agent, you should know the types of agencies and how they differ in how they quote coverages. Insurance agents in Scottsdale are classified as either exclusive agents or independent agents.
Exclusive Agencies
Exclusive agencies work for only one company such as Allstate and State Farm. These agents are not able to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents are well trained on their products and sales techniques which helps them sell on service rather than price. Some consumers prefer to choose to use a exclusive agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Scottsdale willing to provide price quotes.
- Jordan Bowden – State Farm Insurance Agent
10135 E Vía Linda D127 – Scottsdale, AZ 85258 – (480) 634-6315 – View Map - Joe Lankau – State Farm Insurance Agent
10458 E Jomax Rd #105 – Scottsdale, AZ 85262 – (480) 585-5003 – View Map - Dennis Dowling – State Farm Insurance Agent
5310 E Shea Blvd #3 – Scottsdale, AZ 85254 – (602) 996-8811 – View Map
Independent Insurance Agents
These agents often have many company appointments so as a result can place your coverage with a variety of different insurance companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and you won’t have to switch agencies.
When searching for an agent, you will want to get several quotes from at least one independent agent to maximize your price options. They also have the ability to place coverage with small regional insurance companies that many times have cheaper rates.
Listed below are independent agencies in Scottsdale who can help you get price quotes.
- Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854 – View Map - Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
Frequent quotes can save
When buying insurance coverage, never skimp on coverage in order to save money. In many instances, someone dropped collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford and still be able to protect your assets.
We covered quite a bit of information on how to save on Chevy Tahoe insurance in Scottsdale. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost Scottsdale auto insurance quotes. Consumers could even find that the lowest priced car insurance comes from an unexpected company. Regional companies may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.
For more information, link through to the resources below:
- Crash Avoidance Technologies FAQ (iihs.org)
- How Much is Car Insurance for a Chevrolet Silverado in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance Rates for a GMC Sierra? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Scottsdale? (FAQ)
- How Much are Car Insurance Rates for a Toyota Tacoma in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance for College Students in Scottsdale? (FAQ)
- Who Has Affordable Car Insurance Quotes for 17 Year Olds in Scottsdale? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)