If saving money is your primary concern, then the best way to find affordable auto insurance rates is to annually compare prices from different companies in Scottsdale.
- Step 1: Learn about how insurance works and the changes you can make to keep rates down. Many factors that drive up the price like traffic violations, accidents, and poor credit history can be eliminated by making minor changes in your lifestyle. Read the full article for ideas to get cheaper rates and get additional discounts.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can quote prices for a wide range of insurance providers. Click to view companies
- Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Optima Hybrid insurance in Scottsdale. If you can save some money and change companies, ensure there is no coverage lapse between policies.
- Step 4: Notify your company or agent of your intent to cancel the current policy and submit a down payment along with a completed application for the new coverage. Once the paperwork is finalized, safely store the certificate of insurance along with your vehicle registration.
The key thing to remember is that you’ll want to compare similar coverage information on each quote request and and to get price quotes from as many companies as feasibly possible. This helps ensure an accurate price comparison and maximum price selection.
It’s an obvious assumption that car insurance companies want to keep you from shopping around. Drivers who get price comparisons are highly likely to buy a new policy because they have a good chance of finding coverage at a more affordable price. Remarkably, a study showed that drivers who made a habit of comparing rates saved on average $72 a month compared to those who never shopped around for cheaper prices.
If finding budget-friendly Kia Optima Hybrid insurance is the reason for your visit, then having a grasp of the best ways to shop for coverage rates can save money and time.
If you have a policy now, you will surely be able to reduce the price you pay using the tips covered below. Locating the best rates in Scottsdale can initially seem challenging. Nevertheless, Arizona consumers need to learn how companies price insurance differently and use this information to your advantage.
Best companies for Kia Optima Hybrid insurance
The following companies provide quotes in Arizona. If multiple companies are listed, we recommend you click on several of them to get the best price comparison.
Car insurance rates and discounts
Car insurance companies don’t always publicize all discounts very well, so the following list contains both the well known as well as the least known credits available to bring down your rates.
- Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
- Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your bill.
- Defensive Driving Course – Participating in a course teaching defensive driving skills could possibly earn you a 5% discount and make you a better driver.
- Good Students Pay Less – Being a good student may save you up to 25%. The good student discount can last up to age 25.
- Discount for Multiple Policies – If you combine your home and auto policies with one insurance company you may earn at least 10 to 15 percent or more.
- Savings for New Vehicles – Putting coverage on a new Optima Hybrid can get you a discount since new vehicles are generally safer.
You can save money using discounts, but many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
Companies and a selection of discounts are detailed below.
- State Farm includes discounts for Drive Safe & Save, good driver, multiple policy, good student, driver’s education, and multiple autos.
- Nationwide discounts include anti-theft, Farm Bureau membership, multi-policy, good student, and accident-free.
- GEICO has savings for air bags, multi-policy, five-year accident-free, driver training, multi-vehicle, defensive driver, and seat belt use.
- AAA may offer discounts for anti-theft, good student, AAA membership discount, education and occupation, multi-car, good driver, and pay-in-full.
- 21st Century offers discounts for early bird, good student, driver training, anti-lock brakes, teen driver, 55 and older, and automatic seat belts.
- The Hartford may have discounts that include defensive driver, good student, anti-theft, air bag, and bundle.
Check with every insurance company how many discounts you can get. Some credits may not apply to policies in Scottsdale. To find providers that offer many of these discounts in Arizona, click here.
Insurance agencies near you
Certain consumers would prefer to talk to an insurance agent and that can be a great decision The best thing about comparing car insurance online is the fact that drivers can get lower rates and also buy local.
To help locate an agent, after submitting this form (opens in new window), the coverage information is sent to local insurance agents in Scottsdale who will give you quotes and help you find cheaper coverage. You never need to search for any insurance agencies because quoted prices will be sent to your email. You’ll get the best rates without the usual hassles of price shopping. If you wish to get a price quote from a specific insurance company, don’t hesitate to find their quoting web page and submit a quote form there.
Finding the right provider requires more thought than just the bottom line cost. The following questions are important to ask.
- Do they get paid more for recommending certain coverages?
- Are they actively involved in the community?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does the agent help file claims?
- Does the company allow you to choose your own collision repair facility?
- Will you work with the agent or an assistant?
Independent or Exclusive: It’s your choice
When finding a reputable insurance agent or broker, there are a couple of different types of agencies that you can select. Insurance agencies in Scottsdale are classified as either independent (non-exclusive) or exclusive.
Exclusive Agencies
Agents of this type can only write with one company and examples are Allstate and State Farm. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agencies receive a lot of sales training on their company’s products which helps them sell on service rather than price.
The following is a short list of exclusive agents in Scottsdale willing to provide comparison quotes.
Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300 – View Map
Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map
Dwayne Aaron – State Farm Insurance Agent
14555 N Scottsdale Rd #120 – Scottsdale, AZ 85254 – (480) 948-2005 – View Map
Independent Agents (or Brokers)
Agents in the independent channel are not locked into one company so they can write business with any number of different companies and get the cheapest rates. If premiums increase, they simply switch companies in-house and you stay with the same agent. When searching for an agent, it’s a good idea to check rates from at least one independent agent to have the best price comparison.
Below is a list of independent agencies in Scottsdale that are able to give comparison quotes.
Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537 – View Map
Good’s Insurance Agency, Inc. – South West
33725 N Scottsdale Rd #125h – Scottsdale, AZ 85266 – (877) 208-6690 – View Map
Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map
Persistence is the key to cheap rates
When shopping online for car insurance, it’s not a good idea to reduce needed coverages to save money. In many cases, an insured cut liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.
We just presented many ways to lower your Kia Optima Hybrid insurance premium rates in Scottsdale. It’s most important to understand that the more you quote Scottsdale auto insurance, the higher your chance of finding inexpensive Scottsdale auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company. Some small companies may have significantly lower prices on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.
Even more information is located in the articles below:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Who Has Affordable Scottsdale Car Insurance Quotes for College Graduates? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Scottsdale? (FAQ)
- How Much are Scottsdale Auto Insurance Rates for a Company Car? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance for Uninsured Drivers in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for a Nissan Sentra? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)