There are various factors that affect car insurance quotes in Scottsdale, AZ. These include age, credit history, and ZIP code, among others. To get the best quotes, you need to shop around to ensure that you are not missing out on a better deal. Below is a guide on some of the main factors that insurance companies use to come up with quotes.
These are drivers with no history of accidents or moving violations or DUIs, and have a good credit history. This category of drivers get the best insurance quotes Scottsdale, Az and are even given discounts by some insurance companies as a form of reward for safe driving. Insurance quotes vary from $1,089 to $1,500 in some of the cheapest insurance companies in Scottsdale.
Drivers with poor credit history
This group of drivers gets the most expensive quotes because of their history. The insurance companies consider a driver with poor credit as a potential liability and can charge up to twice as much as they would charge a good driver. The cheapest car insurance quotes Scottsdale, AZ for drivers with poor credit history range from $1,684 to $5,600 per year.
Young drivers in their early twenties have the cheapest car insurance quotes in Arizona. This is because they usually don’t have many assets, large families, or big pricey vehicles that they would want protected. The cheapest insurance quotes range from $578 to $849 per year. This is almost half of what drivers above 30 years of age get.
These are drivers in their 60s who may not be able to drive as often as younger drivers. Insurance companies offer these drivers cheap quotes due to the reduced time they spend on the road. Some of the cheapest quotes vary from between $832 to $1,145 per year.
Drivers with one at-fault accident
Drivers who have caused an accident in their history get higher insurance quotes compared to those with a clean slate. Causing more than one accident is going to make it hard for you to not only get an insurance company willing to cover you, but also one that will give a cheap quote. The cheapest car insurance quotes Scottsdale, AZ for drivers with one at-fault accident is between $1,718 and $2,566 per year.
You need to show proof of financial responsibility before you are allowed to register a vehicle in Arizona. One of the ways to do this is by means of insurance, which must cover bodily injury and property damage liabilities. The minimum limits allowed are $15,000 for bodily injury caused to others, $30,000 bodily injury caused in an accident, and $10,000 for property damage caused per accident. It is important to note that you may be liable for more than the minimum amount paid and you will have to cover the rest of the money from your pocket.