The best way to find better pricing on auto insurance rates in Scottsdale is to regularly compare prices from insurance carriers who provide car insurance in Arizona.
First, try to learn a little about what is in your policy and the things you can change to prevent high rates. Many rating criteria that are responsible for high rates such as traffic citations, accidents, and a low credit score can be rectified by making lifestyle changes or driving safer.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can quote prices from multiple sources.
Third, compare the new rate quotes to your current policy and determine if cheaper RX-8 coverage is available in Scottsdale. If you find a lower rate and change companies, make sure coverage does not lapse between policies.
Fourth, give notification to your current company of your decision to cancel your existing policy. Submit the required down payment along with the signed application to your new agent or company. When you receive it, keep the new certificate verifying coverage with the vehicle registration.
The key thing to remember is to make sure you enter the same liability limits and deductibles on every quote and to quote with as many auto insurance providers as possible. Doing this enables a fair rate comparison and a thorough price selection.
Everyone knows that auto insurance companies don’t want you quoting rates from other companies. People who do rate comparisons will most likely switch insurance companies because the odds are good of finding a lower-cost company. A recent insurance study revealed that consumers who routinely compared quotes saved on average $860 a year compared to other drivers who never shopped around for cheaper prices.
If finding low prices for insurance is the reason you’re here, then having some insight into the best way to quote and compare coverage rates can make it easier for you to save money.
If you have a policy now, you stand a good chance to be able to shop for the lowest rates using these techniques. Our objective is to familiarize you with how to compare rates easily and how to save the most money. Nevertheless, Arizona consumers must learn how insurance companies calculate your auto insurance rates and use it to find better rates.
The quickest way to compare car insurance company rates for Mazda RX-8 insurance in Scottsdale is to know most insurance companies actually pay money for the chance to quote your coverage. To get started, all you need to do is provide a little information including how you use your vehicles, your credit rating estimate, if you’re married, and if you are currently licensed. Your insurance information is then sent to all major companies and you get price estimates very quickly.
To check rates for your car now, click here and enter your coverage details.
The following companies are ready to provide price comparisons in Scottsdale, AZ. To locate the best cheap car insurance in Scottsdale, we suggest you visit several of them to get a more complete price comparison.
Premium rates and analysis
The coverage table shown below highlights estimates of prices for Mazda RX-8 models. Having a better idea how rates are figured can be useful when making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|RX-8 Sport 4-Dr Coupe||$314||$538||$306||$18||$92||$1,268||$106|
|RX-8 Grand Touring 4-Dr Coupe||$314||$620||$306||$18||$92||$1,350||$113|
|RX-8 R3 4-Dr Coupe||$314||$620||$306||$18||$92||$1,350||$113|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in Scottsdale location which can lower or raise premium rates noticeably.
Scottsdale insurance discounts for a Mazda RX-8
Car insurance can be pricey, but there are discounts available that could help you make your next renewal payment. Some trigger automatically when you quote, but a few must be asked for prior to getting the savings.
- Discounts for Government Workers – Simply working for the federal government could qualify for a slight premium decrease with some car insurance companies.
- Accident Free – Claim-free drivers have much lower rates in comparison to bad drivers.
- Theft Deterrent Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10% off your Scottsdale auto insurance quote.
- Driver Safety – Taking part in a defensive driving course can save you 5% or more depending on where you live.
- Senior Citizen Rates – Drivers over the age of 55 may be able to get a discount up to 10%.
- Savings for New Vehicles – Putting insurance on a new RX-8 can save you some money because newer vehicles are generally safer.
- College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
Don’t be surprised that most credits do not apply to the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, you won’t be that lucky.
The information below compares Mazda RX-8 insurance premiums with and without discounts applied to the policy rates. Data assumes a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
Car insurance companies that may offer most of these discounts possibly include:
When quoting, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in every state.
Why auto insurance is not optional
Even though it can be expensive, maintaining insurance serves a purpose in several ways.
- Just about all states have minimum mandated liability insurance limits which means the state requires a specific level of liability coverage if you want to drive legally. 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 you have a lien on your vehicle, it’s most likely the lender will require you to have full coverage to guarantee loan repayment. If the policy lapses, the lender may insure your Mazda at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects both your assets and your car. It will also pay for medical expenses that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will cover the repair costs.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Arizona is currently overpaying as much as $855 a year so it’s very important to do a rate comparison at every policy renewal to ensure rates are competitive.
Independent and exclusive insurance agencies
Some consumers still like to talk to an insurance agent and that is not a bad decision A nice benefit of getting online price quotes is the fact that drivers can get the lowest rates but still work with a licensed agent. Buying insurance from local agencies is definitely important in Scottsdale.
To find an agent, once you fill out this simple form, your information is transmitted to local insurance agents in Scottsdale that can provide free Scottsdale auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency since rate quotes are delivered to the email address you provide. You can find better rates and a licensed agent to work with. If you need to get a price quote from a specific insurance company, you would need to search and find their rate quote page to submit a rate quote request.
What type of Scottsdale car insurance agent is right for you?
When finding a local Scottsdale insurance agent, it can be helpful to understand the different types of agencies and how they can service your needs differently. Insurance agencies may be either independent (non-exclusive) or exclusive.
Independent Insurance Agencies
Agents in the independent channel often have many company appointments so they have the ability to put coverage through many companies enabling the ability to shop coverage around. If your premiums go up, the business is moved internally and you don’t have to do anything. If you are trying to find cheaper rates, it’s recommended you get some free quotes from at a minimum one independent agency to maximize your price options. Most have the option of insuring with companies you’ve never heard of who may have lower rates.
The following is a partial list of independent agents in Scottsdale that may be able to give price quotes.
- Greene Insurance Group
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
- Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
- Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare other company’s rates so they really need to provide good service. Exclusive agents are well schooled on sales techniques which helps them sell insurance even at higher premiums. Consumers often choose to use an exclusive agent mainly due to loyalty to the company and the convenience of having all coverages with one company.
Below are Scottsdale exclusive agents that are able to give rate quotes.
- Joe Lankau – State Farm Insurance Agent
10458 E Jomax Rd #105 – Scottsdale, AZ 85262 – (480) 585-5003 – View Map
- Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map
- Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204 – View Map
Picking the best insurance agency shouldn’t rely on just a cheap price quote. Some important questions to ask are:
- Is there a Errors and Omissions policy in force?
- Do they have a Better Business Bureau rating in Scottsdale?
- How will an accident affect your rates?
- Can you get a list of referrals?
- What companies can they write with?
- Did they already check your driving record and credit reports?
- How does the company pay claims for a total loss?
- Is the agent CPCU or CIC certified?