Nobody I know looks forward to paying for insurance, especially when they are aware that they could get a better deal.

Sad but true, most drivers in Arizona have stayed with the same insurance company for at least four years, and about 40% of consumers have never even compared quotes to find cheap rates. With the average insurance premium being $1,847, American drivers can save as much as 46.5% each year just by comparing rates, but they just don't understand the benefits if they switched to a more affordable policy.

Drivers have so many car insurance companies to purchase coverage from, and although it's a good thing to have a selection, lots of choices makes it harder to locate the cheapest rates.

Smart consumers take time to take a look at other company's rates periodically because prices change regularly. Just because you had the lowest price on insurance six months ago you can probably find a lower rate today. Ignore everything you know about insurance because you're about to find out the best way to reduce your cost while improving coverage.

Buy Scottsdale car insurance online

When comparison shopping, more quotes will improve the odds of getting more affordable insurance.

The car insurance companies shown below are our best choices to provide quotes in Scottsdale, AZ. If multiple companies are listed, it's highly recommended you visit as many as you can to find the most affordable car insurance rates.

Insurance Rates for Popular Vehicles in Scottsdale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $732 $366 $61
Chevrolet Silverado LS Extended Cab 4WD $1,066 $533 $89
Dodge Grand Caravan Crew $964 $482 $80
Dodge Ram Crew Cab TRX 2WD $974 $487 $81
Ford Escape XLT 2WD $868 $434 $72
Ford F-150 XLT Crew Cab 4WD $826 $413 $69
Ford Focus SE 4-Dr Sedan $990 $495 $83
Honda Accord LX-P 4-Dr Sedan $880 $440 $73
Honda CR-V EX 2WD $768 $384 $64
Honda Civic DX 2-Dr Coupe $1,042 $521 $87
Hyundai Elantra GLS Touring Station Wagon $876 $438 $73
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,070 $535 $89
Nissan Altima 2.5 S 2-Dr Coupe $1,064 $532 $89
Nissan Rogue SL AWD $940 $470 $78
Toyota Camry LE $794 $397 $66
Toyota Corolla S $1,064 $532 $89
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location information which can lower or raise coverage rates significantly.

Rate difference between full and liability-only coverage

The illustration below examines Honda Accord auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on a clean driving record, no claims, $250 deductibles, single female driver, and no discounts are applied to the premium.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Guidelines for dropping full coverage

There is no definitive formula for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Honda Accord settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If it's costing you more than $200 annually to have full coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Choosing deductibles

The chart below illustrates how your choice of deductibles and can influence Honda Accord insurance rates for each different age category. The premiums assume a single female driver, full coverage, and no discounts are applied.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Earn discounts on Scottsdale auto insurance

Insurance can cost an arm and a leg, but you might be missing out on some discounts to help bring down the price. Some discounts will apply at the time of purchase, but once in a while a discount must be inquired about before you will receive the discount.Auto insurance discounts

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it just doesn't work that way.

Auto insurance companies that may offer policyholders some of the above discounts include:

It's a good idea to ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in Scottsdale. To find insurance companies offering auto insurance discounts in Scottsdale, click here to view.

Why you need car insurance

Despite the fact that car insurance is not cheap in Scottsdale, buying car insurance may not be optional for several reasons.

The benefits of buying car insurance outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Scottsdale overpays more than $869 every year so it's very important to do a rate comparison at every policy renewal to help ensure money is not being wasted.

Local Scottsdale insurance agencies

Many drivers still prefer to talk to a local agent and that is just fine! A nice benefit of price shopping on the web is you can get cheaper car insurance rates and still have an agent to talk to.

Insurance agency in ScottsdaleOnce you complete this form (opens in new window), your information gets sent to local insurance agents that can give you free Scottsdale car insurance quotes and help you find cheaper coverage. You won't even need to search for any insurance agencies because prices are sent to your email. You can find better rates and work with a local agent. If for some reason you want to get a comparison quote for a specific company, just search and find their rate quote page and complete a quote there.

Finding the right company should include more criteria than just a cheap price quote. These are some questions you should get answers to.

Auto insurance overall losses by make and model

Do you own a vehicle likely to have a claim? The following tables show the highest and lowest makes and models for the overall chance of having to file claims organized by coverage.

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Subaru Outback Chevrolet Impala
Subaru Forester Chevrolet Cruze
Audi A6 Chrysler 200
Mercedes-Benz SL Class Mitsubishi Mirage
Fiat 500 Dodge Charger
Chevrolet Corvette Kia Optima

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Kia Forte
Tesla Model S Mitsubishi Mirage
Chevrolet Silverado 3500 Dodge Charger
Ford F-350 SuperCrew Nissan Versa
Ford F-250 SuperCrew Nissan Sentra
Audi A4 Allroad Chevrolet Sonic

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Collision Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Nissan Xterra Maserati Ghibli
Mini Cooper Audi RS7
Smart ForTwo Ferrari 458
Chevrolet Colorado BMW 6 Series
GMC Canyon Bently Continental GTC
Ford F-150 SuperCrew Bentley Continental Flying Spur

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Infiniti QX50 Maserati Granturismo
Volvo V60 Maserati Quattroporte
Nissan Xterra BMW M6
Nissan Leaf BMW M6
Ford F-350 Porsche Panamera GTS
GMC Sierra 2500 Audi S7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years