Scottsdale is a great city in Arizona with lots to see and do. But before hitting the road, it’s important for drivers in Scottsdale to make sure they have good auto insurance coverage. The right auto insurance policy can give you peace of mind in case of an accident while also meeting Arizona’s state minimum coverage requirements.
When shopping for the best auto insurance in Scottsdale, there are a few key things to keep in mind:
Consider Your Coverage Needs
Think about what types of coverage are most important for you Arizona requires all drivers to carry liability insurance with minimum limits of
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
But experts recommend getting more than just the minimum coverage. Comprehensive and collision coverage can protect you in case of damage to your own vehicle. Uninsured/underinsured motorist coverage gives you protection if you’re hit by a driver with little or no insurance. And don’t forget add-ons like rental reimbursement and roadside assistance.
Shop Around and Compare Quotes
Rates can vary a lot between different auto insurance companies. So it pays to get quotes from several providers before choosing a policy Be sure to compare the same coverage amounts to get an accurate picture of which insurer offers the best value.
Online quote tools like those from Policygenius make it easy to compare personalized rates from top insurance companies. Within minutes you can see options from progressive, Geico, Allstate, and more.
Look for Discounts
Most auto insurance companies offer discounts that can lower your premium. Ask about ways to save like:
- Good driver discount
- Low mileage discount
- Multi-policy discount if you bundle with renters or homeowners insurance
- Defensive driving course discount
- Student away at school discount
Combining just a couple discounts can add up to significant savings.
Consider Usage-Based Insurance
Usage-based or pay-per-mile insurance bases your rate partly on how much you drive. This can benefit low mileage drivers. Root and Metromile are two companies offering this type of auto insurance.
Maintain a Good Credit Score
In Arizona, insurance companies can use your credit-based insurance score to determine your auto insurance rate. Maintaining a strong credit score can help keep your premium lower.
Review and Update Regularly
It’s a good idea to revisit your auto insurance needs every six months or at key life events like buying a new car or moving. This gives you a chance to update coverage and shop for better rates if needed.
Top Auto Insurance Companies in Scottsdale
While rates vary from driver to driver, these insurers tend to offer competitive pricing in Scottsdale:
- State Farm
- Geico
- Progressive
- Allstate
- Farmers
Be sure to get quotes from national and local companies to find your best option.
Tips for Lowering Your Costs
Here are some other ways Scottsdale drivers can aim to pay less for auto insurance:
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Raise your deductible: Opting for a higher deductible like $500 or $1,000 can reduce your premiums. Just be sure you have savings to cover the deductible amount in case of a claim.
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Ask about discounts: Don’t forget to inquire about every discount you may qualify for to lower your rate.
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Improve your driving habits: Avoid accidents, traffic violations, and drunk driving to keep your premium affordable. Safe driving rewards programs through insurers like Allstate and State Farm can also help lower costs.
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Reduce your mileage: Driving fewer miles every year means lower risk to insurers, which can mean lower premiums for you.
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Maintain coverage: Don’t allow your policy to lapse, as this can result in higher rates when starting a new policy.
The Bottom Line
Finding the right auto insurance policy takes some shopping around, but taking the time can pay off. Be sure to choose adequate coverage for your needs, and look for ways to keep costs down while driving safely. This can help you secure affordable, quality car insurance coverage in Scottsdale.
Find a Nationwide Insurance Agent in Scottsburg, Indiana
Even though Scottsburg is known for having quiet streets and safe neighborhoods, that doesn’t mean you don’t need auto insurance. Nationwide has what you need whether your main goal is to lower your monthly payments, make your liability protections stronger, or celebrate every year of safe driving with our Vanishing Deductible® program. And if you’re not sure what you want, talk to one of our Scottsburg auto insurance agents about what policy will work best for you and your car(s).
Home insurance is important to have no matter what kind of Scottsburg home you have because it protects you from many risks. its not just the dwelling, either. Nationwide also provides coverage for your belongings and liability concerns. Chat with one of our Scottsburg home insurance agents about the different types of coverage that are right for you.
We all worry about what will happen to our loved ones if something should happen to us. thats why every Nationwide life insurance policy includes coverage for the worst-case scenario. Our Scottsburg life insurance agents can help both young families and people who are already retired by giving them unique coverage options. Some of our local Scottsburg customers want help choosing the right type of policy for them. Others are interested in adding Nationwide coverage for long-term care costs. If youve already done your research, we have an easy-to-use tool to find a quote. Otherwise, talk to an agent near you today.
Even businesses that arent on the Fortune 500 list have plenty of property and assets to protect. Talk to one of our Scottsburg business insurance agents about how you can work with Nationwide to better handle the risks your business faces.
Auto Insurance in Scottsdale AZ
FAQ
What is the cheapest car insurance in Scottsdale?
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Company
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Annual Premium
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Monthly Premium
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Auto-Owners Insurance Co
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Annual Premium$1,013
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Monthly Premium$84
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Progressive
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Annual Premium$1,176
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Monthly Premium$98
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State Farm
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Annual Premium$1,190
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Monthly Premium$99
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Travelers
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Annual Premium$1,206
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Monthly Premium$101
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Who normally has the cheapest car insurance in Arizona?
What is the average cost of auto insurance in Arizona?
Who is known for cheapest car insurance?
How much is car insurance in Scottsdale AZ?
Scottsdale drivers face average car insurance rates of $189 per month for full coverage and $100 for liability-only policies. Those averages are close to Arizona’s state-level averages of $193 and $93, respectively. You may be able to save even more on car insurance in Scottsdale by comparing quotes from multiple insurance companies.
Is Scottsdale a good place to buy car insurance?
Scottsdale’s car insurance rates are competitive, and comparable to Arizona state averages. The city also has cheaper car insurance the the national average, and averages in some larger Arizona cities.
Who is the best car insurance company in Scottsdale?
Auto-Owners is the best option for cheap car insurance in Scottsdale, excelling with a MoneyGeek score that considers affordability along with customer satisfaction and claims handling.
How does auto insurance work in Scottsdale?
Your monthly premiums are based on how many miles you drive. Arizona requires liability car insurance, which is the cheapest type of auto insurance coverage you can get in Scottsdale. After an at-fault accident, it’ll cover the other driver’s property damage and injury costs but not your own.