Do you want to save money by finding lower-priced Chevy Captiva Sport insurance in Scottsdale? Being forced to pay for high-priced car insurance premiums can overdraw your family’s budget and maybe even restrict other spending. Performing a rate comparison can lower your rates and help to make sure you’re not throwing money away.
It’s an obvious conclusion that auto insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for the cheapest price will probably switch companies because of the good chance of finding better rates. A recent survey found that drivers who faithfully checked for cheaper rates saved on average $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly auto insurance is the reason you’re here, learning how to get price quotes and compare insurance rates can help you succeed in finding affordable rates. You have multiple car insurance companies to choose from, and even though it’s nice to be able to choose, having more car insurance companies makes it harder to find the best rates for your vehicles.
Buying the cheapest insurance in Scottsdale is much easier if you have a good place to start. If you are paying for car insurance now, you stand a good chance to be able to get lower rates using this information. Vehicle owners just need to use how to get comparison rates online from multiple companies.
All major insurance companies give coverage price quotes on the web. Doing online price comparisons for Chevy Captiva Sport insurance in Scottsdale is fairly simple because you just enter your coverage information as detailed in the form. After you submit the form the system requests your credit score and driving record and quotes a price based on these factors. Using the web to get quotes for Chevy Captiva Sport insurance in Scottsdale makes comparing rates easy, and it’s very important to compare as many rates as possible if you are searching for the best rate.
To quickly fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you duplicate deductibles and limits identical to your current policy. This helps ensure you will have a price comparison using the same coverage and limits.
The companies shown below offer price comparisons in Arizona. To find cheap auto insurance in Scottsdale, we recommend you visit two to three different companies to get the cheapest price.
Get cheaper Chevy Captiva Sport insurance in Scottsdale with discounts
Some companies don’t list every possible discount very well, so we took the time to find a few of the more common and the more hidden credits that may apply to you.
- Accident Forgiveness Coverage – This one isn’t a discount, but companies like State Farm and Progressive will turn a blind eye to one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
- 55 and Retired – Mature drivers may be able to get a small discount on rates.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
- Telematics Data – Scottsdale drivers who agree to allow driving data submission to spy on driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
- ABS Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
- Discounts for New Vehicles – Adding a new car to your policy is cheaper since newer models have better safety ratings.
- Auto/Home Discount – If you can combine your homeowners and auto policy and insure them with the same company you could save over 10 percent off each policy depending on the company.
- Driver’s Education for Students – Require your teen driver to take driver’s ed class in high school.
We need to note that most discounts do not apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts should definitely cut your overall bill.
A few popular companies and a partial list of their discounts can be read below.
- Progressive discounts include continuous coverage, online quote discount, homeowner, multi-policy, good student, and online signing.
- Farmers Insurance offers discounts for early shopping, good student, electronic funds transfer, pay in full, mature driver, bundle discounts, and youthful driver.
- Farm Bureau includes discounts for good student, youthful driver, renewal discount, 55 and retired, multi-vehicle, multi-policy, and safe driver.
- State Farm offers premium reductions for student away at school, anti-theft, good student, driver’s education, accident-free, defensive driving training, and good driver.
- GEICO may include discounts for five-year accident-free, anti-theft, defensive driver, federal employee, multi-policy, driver training, and multi-vehicle.
- SAFECO may have discounts that include anti-lock brakes, teen safety rewards, drive less, multi-car, accident prevention training, and safe driver.
- Liberty Mutual has discounts for newly married, new vehicle discount, hybrid vehicle, new graduate, and preferred payment discount.
Check with every prospective company which credits you are entitled to. Depending on the company, some discounts might not be available to policyholders in Scottsdale. To see a list of insurance companies with significant discounts in Scottsdale, click here.
Three reasons insurance is important
Even though it’s not necessarily cheap to insure a Chevy in Scottsdale, insuring your vehicle may be required for several reasons.
- Almost all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to drive the car. 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 Captiva Sport has a lienholder, almost every bank will force you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Chevy at a much higher rate and make you pay much more than you were paying before.
- Insurance protects not only your car but also your financial assets. Insurance will also pay for medical bills for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. Today the average American driver is wasting up to $825 a year so shop around at every policy renewal to help ensure money is not being wasted.
It’s not one size fits all
When buying proper insurance coverage for your vehicles, there really isn’t a single plan that fits everyone. Your situation is unique.
Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.
- Is my Chevy Captiva Sport covered for flood damage?
- When should I not buy collision coverage?
- How high should deductibles be on a Chevy Captiva Sport?
- Am I covered if I wreck a rental car?
- Should I file a claim if it’s only slightly more than my deductible?
- Do I pay less for low miles?
- Am I covered if my car is in a flood?
- What policy terms are available?
- How do I file an SR-22 for a DUI in Arizona?
- Are my tools covered if they get stolen from my vehicle?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Comparing rates from local Scottsdale auto insurance agents
Many drivers just prefer to sit down and talk to an agent and that is recommended in a lot of cases Agents can make sure you are properly covered and help submit paperwork. The biggest benefit of comparing rate quotes online is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to.
By using this form (opens in new window), your insurance data is transmitted to participating agents in Scottsdale who can give free rate quotes for your insurance coverage. There is no need to search for any insurance agencies as quotes are delivered immediately to your email address. If you have a need to get a rate quote from one company in particular, you just need to go to their quote page and submit a quote form there.
Finding a good provider needs to be determined by more than just the premium amount. Here are some questions to ask:
- Do they have designations such as AIC, CPCU, or CIC?
- How much training do they have in personal risk management?
- Do they feel the quoted coverages are adequate?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How often do they review coverages?
- If your car is totaled, how to they determine the replacement cost?
- Does the agent help file claims?
- Can you contact them at any time?
Listed below are Scottsdale auto insurance companies that may be willing to give rate quotes for Chevy Captiva Sport insurance in Scottsdale.
Dennis Dowling – State Farm Insurance Agent
5310 E Shea Blvd #3 – Scottsdale, AZ 85254 – (602) 996-8811 – View Map
Car insurance coverage breakdown
Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.
Auto liability – This coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/10 which stand for $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for things like bail bonds, medical services, pain and suffering and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more coverage.
The chart below demonstrates why buying the state minimum limits may not be adequate coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills such as nursing services, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like falling objects, damage from flooding and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Collision – This coverage covers damage to your Captiva Sport caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible on your Captiva Sport to save money on collision insurance.