Cheap Scottsdale Toyota Corolla Insurance

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It's an obvious statement that car insurance companies don't want you to look for cheaper rates. People who shop around once a year will presumably buy a different policy because of the good chance of finding a lower rate. Surprisingly, a recent survey revealed that people who shopped around annually saved about $865 a year compared to people who never shopped around for lower prices.

If finding the best price on car insurance in Scottsdale is your target objective, learning the best way to quote and compare insurance premiums can help make the process easier.

Insurance quote for Toyota Corolla in ScottsdaleThe best way to quote cheaper Toyota Corolla insurance is to regularly compare quotes from different companies who provide car insurance in Scottsdale.

Step 1: Get an understanding of the different coverages in a policy and the changes you can make to keep rates down. Many rating factors that are responsible for high rates such as traffic citations, accidents, and a negative credit rating can be remedied by making small lifestyle or driving habit changes. This article gives more information to prevent high prices and get discounts that may be overlooked.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agents can quote prices for a wide range of insurance providers. Compare rates

Step 3: Compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, ensure there is no coverage lapse between policies.

Step 4: Notify your company or agent to cancel the current policy. Submit the signed application along with the required initial payment to your new insurance company. Once received, keep your new certificate of insurance somewhere easily accessible.

One piece of advice is to use identical coverages on each price quote and and to get rates from every company you can. This enables a level playing field and maximum price selection.

Low cost Scottsdale Toyota Corolla insurance rate quotes

Most larger insurance companies such as State Farm, Allstate and GEICO allow you to get prices for coverage on the web. Comparing Toyota Corolla insurance rates online doesn't take much effort as you just enter the coverages you want as requested by the quote form. When complete, the company's rating system automatically retrieves reports for credit and driving violations and gives you a price quote.

Getting online quotes for Toyota Corolla insurance in Scottsdale simplifies rate comparisons, and it is imperative to compare as many rates as possible if you want to get a better rate.

To quickly compare rates now, take a look at the companies shown below. To compare your current rates, we recommend you type in the limits and deductibles identical to your current policy. This guarantees you will receive rate comparison quotes for exact coverage.

The providers in the list below provide quotes in Arizona. If you want cheap car insurance in Scottsdale, it's a good idea that you compare several of them to find the lowest car insurance rates.

Auto insurance policy discounts for Toyota Corolla insurance in Scottsdale

Companies that sell car insurance don't always publicize every available discount in a way that's easy to find, so the list below details both well-publicized and also the lesser-known credits available to bring down your rates.Cheaper auto insurance with discounts

  • Defensive Driving Course - Passing a class that teaches defensive driving techniques could earn you a small percentage discount if your company offers it.
  • Theft Deterrent System - Vehicles equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Driving Data Discount - People who choose to allow companies to look at driving habits by using a telematic data system such as In-Drive from State Farm or Allstate's Drivewise system may get a rate reduction if they show good driving skills.
  • Discount for Good Grades - Being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Military Deployment Discount - Having a family member in the military may qualify for rate reductions.
  • Multi-car Discount - Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • One Accident Forgiven - Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage so long as you haven't had any claims prior to the accident.
  • Claim Free - Scottsdale drivers who stay claim-free are rewarded with significantly better rates on Scottsdale car insurance quote in comparison to drivers with a long claim history.
  • Safety Restraint Discount - Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

Just know that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way.

The diagram below illustrates the comparison of Toyota Corolla auto insurance costs with and without some available policy discounts. The premiums assume a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, multi-car, marriage, and safe-driver discounts applied.

A list of auto insurance companies and some of the discounts can be found below.

  • Progressive may include discounts for multi-policy, online quote discount, online signing, multi-vehicle, and continuous coverage.
  • SAFECO has discounts for accident prevention training, anti-lock brakes, teen safety rewards, safe driver, and anti-theft.
  • American Family may offer discounts for early bird, air bags, good student, defensive driver, mySafetyValet, and Steer into Savings.
  • MetLife includes discounts for claim-free, multi-policy, accident-free, defensive driver, good student, and good driver.
  • GEICO offers discounts including daytime running lights, anti-theft, anti-lock brakes, military active duty, emergency military deployment, and multi-vehicle.
  • The Hartford has savings for air bag, vehicle fuel type, anti-theft, good student, defensive driver, and bundle.

If you need lower rates, check with all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not apply everywhere. To locate providers that offer the discounts shown above in Arizona, click here to view.

Toyota Corolla coverage analysis

The price information displayed next showcases different coverage prices for Toyota Corolla models. Having knowledge of how auto insurance premiums are determined is important to be able to make informed decisions when comparing rates.

Toyota Corolla Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $138 $326 $390 $24 $116 $994 $83
Corolla S $138 $326 $390 $24 $116 $994 $83
Corolla XLE $138 $326 $390 $24 $116 $994 $83
Corolla XRS $156 $326 $390 $24 $116 $1,012 $84
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in specific location information which can revise prices noticeably.

Comparison of policy deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The rates below may help you to understand how much more rates are of buying low and high deductibles. The first set of prices uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Toyota Corolla insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $258 $548 $300 $18 $90 $1,239 $103
Corolla S $258 $548 $300 $18 $90 $1,239 $103
Corolla XLE $258 $548 $300 $18 $90 $1,239 $103
Corolla XRS $292 $548 $300 $18 $90 $1,273 $106
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Toyota Corolla insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $144 $290 $300 $18 $90 $842 $70
Corolla S $144 $290 $300 $18 $90 $842 $70
Corolla XLE $144 $290 $300 $18 $90 $842 $70
Corolla XRS $162 $290 $300 $18 $90 $860 $72
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 homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can alter premium rates considerably.

Based on the above data, using a $100 deductible will cost you approximately $33 more each month or $396 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 27 months between claims, you would most likely save money if you choose the higher deductible.

The information below shows how different deductible levels and can influence Toyota Corolla yearly insurance costs for different categories of driver ages. The price estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Toyota Corolla annual premiums for males versus females

The diagram below illustrates the difference between Toyota Corolla insurance prices for male and female drivers. The premium estimates are based on no claims or driving citations, comp and collision included, $100 deductibles, drivers are single, and no additional discounts are factored in.

Should you buy full coverage?

The chart below illustrates the comparison of Toyota Corolla yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The prices are based on no claims or driving citations, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comp and collision

There is no set guideline to exclude physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Toyota Corolla book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for full coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

The Toyota Corolla Insurance Cost Equation

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that play a part in calculating your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in cheaper rates.

The items below are some of the factors used by insurance companies to determine premiums.

Cheaper premiums for prior coverage - Letting your insurance expire can be a fast way to drive up your policy premiums. Not only will you pay more, getting caught without coverage can result in a revoked license or a big fine.

High performance vehicles cost more to insure - The type of car you need insurance for makes a significant difference in your car insurance bill. The cheapest insurance rates are usually for lower cost passenger cars, but other factors influence the final cost greatly.

The data below uses these assumptions: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Toyota Corolla policy rates compared to other models of vehicles that have a range of risk factors.

Reserve car insurance claims for larger damages - Auto insurance companies in Arizona award the best rates to policyholders who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Your insurance policy is designed for more catastrophic claims.

Liability coverage - The liability section of your policy is the coverage that protects you if a court rules you are at fault for physical damage or personal injury to other. It will provide legal defense starting from day one. It is affordable coverage when compared with rates for comp and collision, so drivers should carry high limits.

Does your vocation raise your premiums? - Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, social workers, and accountants generally pay the highest rates because of job stress and incredibly demanding work hours. On the other hand, jobs like scientists, historians and homemakers pay the least.

Do you qualify for a multi-policy discount? - Many insurance companies allow discounts to customers who carry more than one policy. It's known as a multi-policy discount. The discount can be 10 percent or more. If you currently are using one company, it's in your best interest to check prices from other companies to ensure the best deal. Drivers may still save even more than the discount by buying car insurance from a different company.

Toyota Corolla claim data - Companies analyze claim trends for every vehicle to help set a rate to offset losses. Models that have higher claim amounts or frequency will have a higher cost to insure. The table below demonstrates the actual insurance loss data for Toyota Corolla vehicles.

For each coverage category, the statistical loss for all vehicles averaged together is represented as 100. Numbers under 100 suggest losses that are better than average, while values that are above 100 show a trend for more claims or statistically larger losses.

Car Insurance Loss Data for Toyota Corolla Models
Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Corolla 133 111 94 156 158 128
BETTER
AVERAGE
WORSE

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Neighborhood Scottsdale auto insurance agents

Certain consumers just prefer to buy from a local agent and doing so can bring peace of mind Licensed agents are very good at helping people manage risk and will help you if you have claims. A good thing about price shopping on the web is the fact that you can find cheaper prices but also keep your business local.

Find insurance agent in ScottsdaleFor easy comparison, once you complete this form (opens in new window), your insurance data is submitted to participating agents in Scottsdale who will gladly provide quotes for your business. You never need to search for any insurance agencies because prices are sent to you instantly. If for some reason you want to compare rates from a specific insurance company, you just need to visit that company's website and fill out the quote form the provide.

Finding a good provider should depend on more than just the quoted price. Here are some questions you should ask.

  • How long has the business existed?
  • Do they write coverage based solely on cost?
  • How experienced are they in personal risk management?
  • Which insurance companies are they affiliated with?
  • How is replacement cost determined on your vehicle?
  • Can glass repairs be made at your home?
  • Which members of your family are coverage by the policy?

When looking for a local insurance agency, there are two different agency structures and how they are distinctly different. Agencies in Scottsdale can either be independent agents or exclusive agents depending on their employer. Both types can sell and service insurance coverage, but it's worth mentioning the differences since it can affect buying decisions.

Exclusive Agents

Agents that choose to be exclusive can only provide one company's prices and examples are American Family, State Farm, and AAA. Exclusive agencies are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are usually well trained on the products they sell which helps overcome the inability to quote other rates. Some people will only buy insurance from these agents mostly because of the brand name and solid financial strength.

Shown below is a list of exclusive agents in Scottsdale who can help you get comparison quotes.

More Scottsdale agents

Independent Agents

Independent agents are not limited to a single company so as a result can place your coverage with a variety of different insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, an independent agent can move your coverage and you don't have to find a new agent. When shopping rates, you need to get some free quotes from at a minimum one independent agency for the best price selection. They also have the ability to place coverage with small regional insurance companies that many times have cheaper rates.

Below are independent agencies in Scottsdale who can help you get price quote information.

More Scottsdale agents

Frequent quotes can save

Insureds switch companies for many reasons like not issuing a premium refund, unfair underwriting practices, high rates after DUI convictions and even poor customer service. It doesn't matter what your reason, switching companies is actually quite simple.

As you quote Scottsdale car insurance, make sure you don't buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at the best possible price.

Affordable Toyota Corolla insurance in Scottsdale is available from both online companies and from local agencies, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent insurance agencies.

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