Car Insurance in Scottsdale Arizona - 9 Tricks to Save Money

I can't think of anyone who enjoys paying for car insurance, especially when the cost is too high. Since consumers have many insurance companies to choose from, it can be diffult for consumers to find the most affordable insurance company.

Finding affordable coverage in Scottsdale is quite easy. If you have a current car insurance policy or need new coverage, you will benefit by learning to get lower rates and still get good coverage. Arizona drivers only need an understanding of the most effective way to compare prices over the internet.

How much can you save with these nine discounts?

Companies that sell car insurance don't list every discount very well, so the following is a list of some of the more common and the harder-to-find car insurance savings. If you don't get every credit you qualify for, you are paying more than you should be.

Federal Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Multiple Policy Discount - If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiration. It's a savings of about 10%.
Good Student - This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
Military Rewards - Having a deployed family member may qualify for rate reductions.
Accident Free - Good drivers with no accidents pay less when compared to accident-prone drivers.
Low Mileage Discounts - Fewer annual miles could qualify for lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

To choose insurance companies who offer car insurance discounts in Arizona, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't ignore all the ads for cheaper car insurance by companies like Progressive, Allstate and GEICO. They all say the same thing of big savings after switching to them.

But how can every company make the same claim? This is how they do it.

All companies have a certain "appetite" for the type of driver that makes them money. A good example of a driver they prefer could be a mature driver, owns a home, and has great credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be quoted more money which usually ends up with business going elsewhere. The ads state "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently advertise the savings. This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

How much car insurance do I need?

When buying coverage for your vehicles, there really is no "perfect" insurance plan. Every insured's situation is different and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs would benefit from professional advice.

Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Does my car insurance cover rental cars?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Arizona?
Should I buy additional glass protection?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

For more Arizona car insurance information

More tips and info about car insurance can be read at the Arizona Department of Insurance website. Consumers can download brochures, find out industry alerts, view agent and company licensing information, and file complaints about a company.

Other informative sites include this online resource for car insurance quotes in Arizona and this list of insurance agents in Scottsdale.

A tidy conclusion

As you prepare to switch companies, don't be tempted to buy poor coverage just to save money. There are too many instances where an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

You just learned a lot of tips how to save on car insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like .