Truthfully, the best way to find cheaper car insurance rates in Scottsdale is to start comparing prices yearly from companies that insure vehicles in Arizona. You can compare prices by completing these steps.
Step 1: Learn about how auto insurance works and the steps you can take to prevent high rates. Many factors that drive up the price such as traffic citations and a negative credit score can be eliminated by making minor changes in your lifestyle. Later in this article we will cover additional tips to get low prices and get discounts that may be available to you.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes for many different companies. View prices
Step 3: Compare the new quotes to your existing policy to determine if you can save on SX4 insurance in Scottsdale. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
A good tip to remember is to make sure you enter similar limits and deductibles on each price quote and and to get rates from as many companies as you can. Doing this ensures the most accurate price comparison and a thorough price selection.
A recent auto insurance study revealed that most Arizona auto insurance customers have been with the same company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. American consumers could save an average of nearly 46.5% each year by just shopping around, but they don’t know the actual amount they would save if they switched to a more affordable policy.
The purpose of this article is to teach you how car insurance works. If you have a policy now, you will definitely be able to shop for the lowest rates using the techniques covered below. Nevertheless, Arizona consumers benefit from understanding how the larger insurance companies price insurance differently and use it to find better rates.
Get lower-cost rates on Suzuki SX4 insurance in Scottsdale with these five discounts
Some companies don’t always publicize their entire list of discounts very well, so the following list contains some of the best known as well as some of the hidden credits available to bring down your rates.
- Own a Home and Save – Owning a house in Scottsdale may trigger a policy discount on car insurance because of the fact that having a home shows financial diligence.
- Braking Control Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Paper-free Discount – Certain insurance companies will discount your bill up to fifty bucks for completing your application digitally online.
- Clubs and Organizations – Being in certain professional organizations could earn you a nice discount when shopping for car insurance.
- Government Employees – Federal government employees may qualify for a discount when you quote Scottsdale auto insurance with a few car insurance companies.
Remember that most of the big mark downs will not be given to the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
The diagram below visualizes the comparison of Suzuki SX4 auto insurance costs with and without some available policy discounts. Data assumes a female driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, homeowner, and multi-policy discounts applied.
Popular car insurance companies and some of their more popular discounts can be read below.
- GEICO may offer discounts for good student, military active duty, anti-theft, membership and employees, multi-vehicle, multi-policy, and defensive driver.
- MetLife offers discounts including claim-free, defensive driver, accident-free, good student, multi-policy, good driver
- Progressive discounts include good student, multi-vehicle, online signing, continuous coverage, and homeowner.
- Travelers offers discounts for early quote, new car, home ownership, save driver, hybrid/electric vehicle, good student, and multi-policy.
- SAFECO has savings for bundle discounts, anti-lock brakes, drive less, teen safety rewards, safe driver, accident prevention training, and anti-theft.
- AAA has discounts for good driver, multi-policy, good student, education and occupation, AAA membership discount, and anti-theft.
Check with all the companies what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in Scottsdale.
The best way to compare rate quotes for Suzuki SX4 insurance in Scottsdale is to understand car insurance companies participate in a system to compare rate quotes. All you need to do is provide information including marital status, the year, make and model of vehicles, whether the vehicles are used for commuting, and if it has an alarm system. The data is submitted instantly to multiple auto insurance providers and you should receive rate quotes within a short period of time.
To get price quotes for your Suzuki SX4 now, click here and enter your coverage details.
The companies shown below can provide price comparisons in Arizona. If your goal is to find cheaper car insurance in AZ, we recommend you click on several of them to get the best price comparison.
Suzuki SX4 insurance statistics and information
The rate table displayed below highlights detailed analysis of insurance rates for Suzuki SX4 models. Having a better understanding of how insurance rates are figured can aid in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|SX4 Sport S||$110||$240||$282||$16||$84||$732||$61|
|SX4 Sport SE||$110||$240||$282||$16||$84||$732||$61|
|SX4 Technology 2WD||$110||$204||$282||$16||$84||$696||$58|
|SX4 Sportback 2WD||$110||$204||$282||$16||$84||$696||$58|
|SX4 AWD AWD||$110||$204||$282||$16||$84||$696||$58|
|SX4 Sport GTS||$110||$240||$282||$16||$84||$732||$61|
|SX4 Technology AWD||$124||$204||$282||$16||$84||$710||$59|
|SX4 Touring AWD||$124||$204||$282||$16||$84||$710||$59|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can change insurance rates greatly.
The illustration below demonstrates how deductibles and can raise or lower Suzuki SX4 insurance costs for different age groups. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Suzuki SX4 insurance rates: Men versus women
The information below compares Suzuki SX4 insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $100 deductibles, drivers are single, and no discounts are applied.
Does full coverage make sense?
The chart below illustrates the difference between Suzuki SX4 yearly insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are taken into consideration.
When to eliminate full coverage
There is no definitive formula to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Suzuki SX4 book value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your policy deductible. If you are currently paying more than $300 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Get rate quotes but buy from a local neighborhood Scottsdale car insurance agent
Many drivers just want to have an agent’s advice and doing that can be a smart decision An additional benefit of price shopping on the web is that you can find cheap auto insurance rates and still have a local agent. And buying from local agencies is especially important in Scottsdale.
Upon completion of this simple form, your coverage information is instantly submitted to companies in Scottsdale who will return price quotes for your coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go to the email address you provide. You can get cheaper auto insurance rates without a big time investment. In the event you want to get a price quote from a particular provider, you just need to jump over to their website to submit a rate quote request.
If you are searching for a reliable insurance agency, you must know there are a couple types of agencies and how they are slightly different. Agencies in Scottsdale are considered either independent agents or exclusive agents.
Independent Auto Insurance Agents (or Brokers)
These type of agents do not have single company limitations so they can write business with an assortment of companies and find you the best rates. If prices rise, your agent can switch companies and you don’t have to find a new agent.
When comparing auto insurance rates, you definitely need to get insurance quotes from a few independent agents in order to compare the most rates. Most also write with small regional insurance companies which can save you money.
The following are independent agents in Scottsdale that can give you comparison quotes.
- Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map
- Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map
- Good’s Insurance Agency, Inc. – South West
33725 N Scottsdale Rd #125h – Scottsdale, AZ 85266 – (877) 208-6690 – View Map
These type of agents can only quote rates from one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents. Drivers often buy insurance from these agents primarily because of the brand and solid financial strength.
Listed below is a list of exclusive agencies in Scottsdale who can help you get price quotes.
- Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771 – View Map
- Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710 – View Map
- Athena Olson – State Farm Insurance Agent
8170 N 86th Pl #105 – Scottsdale, AZ 85258 – (480) 398-1266 – View Map
Picking a insurance agent is decision based upon more than just the price. Before buying a policy in Scottsdale, get answers to these questions.
- Is working in the agency their full-time job?
- Is the agent and/or agency licensed to do business in Arizona?
- Which companies can they place coverage with?
- Does the agency provide any after hours assistance?
- In the event of vehicle damage, can you pick the collision repair facility?
- By raising physical damage deductibles, how much would you save?
- Is there any savings for paying the full premium?
After you get satisfactory answers to these questions and an acceptable price quote, it’s possible that you found an auto insurance agent that meets your needs to provide auto insurance coverage.
Scottsdale car insurance company ratings
Ending up with a high-quality car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Scottsdale. The information shown below could help you analyze which coverage providers to look at when shopping your coverage around.
Top 10 Scottsdale Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Coverages available on your auto insurance policy
Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible on your SX4 in order to get cheaper collision rates.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like EMT expenses, pain medications, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from getting keyed, vandalism, rock chips in glass and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Auto liability insurance
Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims like structural damage, court costs, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but drivers should carry better liability coverage.
The next chart demonstrates why low liability limits may not be high enough to adequately cover claims.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki SX4.
Since a lot of drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Frequent quotes can save
Lower-priced insurance in Scottsdale can be sourced online in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some insurance companies do not offer online rate quotes and these small insurance companies only sell through local independent agents.
We just presented some good ideas how you can compare Suzuki SX4 insurance premium rates in Scottsdale. The key thing to remember is the more quotes you get, the higher your chance of finding low cost Scottsdale auto insurance quotes. You may even find the lowest premium rates are with a company that doesn’t do a lot of advertising.
People switch companies for a variety of reasons including policy cancellation, denial of a claim, lack of trust in their agent and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.
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