Many services and products are costly, and people often have trouble managing their budgets. Finding cheap car insurance that meets all of your state’s legal requirements is essential. Here’s some more information about the requirements for car insurance in Scottsdale, Arizona, and how to find a policy that suits your needs.
Car Insurance Requirements in Scottsdale, Arizona
When you shop for cheap car insurance in Scottsdale, check and make sure that it fulfills the region’s minimum legal requirements. Some disreputable companies could sell policies that don’t meet the state’s minimum requirements. In Arizona, most people must have:
- At least $25,000 of coverage for bodily injury liability per person
- At least $50,000 of coverage for bodily injury liability per accident
- At least $15,000 of coverage for property damage liability per accident
If you don’t plan to drive your car for a while because you’re making upgrades or flying to another state, you can cancel your insurance legally. As long as you don’t drive uninsured on public roads, you won’t risk any penalty. However, it may not be practical to cancel your insurance for a short period of time. Some companies give discounts for having continuous coverage, and keeping your policy active could cost less in the long term.
The Consequences of Not Getting Cheap Car Insurance Coverage That Meets Legal Requirements
If you get into an accident or you get pulled over by a police officer and you can’t show them adequate proof of adequate insurance, you could get a ticket, a $500 fine, and a suspended license and registration for three months. For the second offense, there’s a $750 fine and a six-month suspension. The third offense carries a $1,000 fine and a one-year suspension.
After you get your driver’s license back, you’ll need to carry SR-22 insurance for two years. It has the same minimum requirements as regular insurance in Scottsdale, but it also requires proof of insurance on file with the Arizona DMV. Since people with SR-22 forms on file usually have more driving risks, they often pay higher insurance rates.
Cheap Car Insurance Companies in Scottsdale
The average car insurance rate for folks who live in Scottsdale is around $99 per month. Here are some of the most affordable car insurance companies that service the Scottsdale area.
State Farm offers traditional insurance and high-risk auto insurance that meets SR-22 requirements. It’s very affordable for many people, and rideshare coverage for individuals who drive for Uber or Lyft is available. There’s also a network of local agents who are happy to answer your questions. You can get discounts for:
- Replacing an older vehicle with a newer, more modern one that has better safety and security features
- Being free from tickets or accidents for three years
- Being a good student
- Attending college away from home
- Taking a defensive driving course
Allstate is usually more expensive than State Farm, especially for teenagers. However, it can be a good choice for drivers with poor credit and people in other high-risk categories. The company also has great customer service and a tracking program that can reduce your rates in return for monitoring your driving. You can add:
- Accident forgiveness to keep rates from going up after one accident, even if you were at fault
- Money-back rewards for every six months of accident-free driving
- $100 off your deductible for every year you avoid driving violations, up to $500 off
- New car replacement coverage that pays for the full replacement cost of a vehicle less than two years old
- Coverage for custom or aftermarket parts and equipment
There’s a discount for paying for a policy in advance, setting up automatic withdrawals, choosing paperless statements, and signing up for a policy at least seven days before it takes effect.
GEICO is one of the most affordable car insurance providers in Arizona. It began as the Government Employees Insurance Company in 1936, but today, anyone can get their car insurance from GEICO. The company offers discounts for:
- Air bags
- Military personnel
- Federal employees
- Customer loyalty
- Daytime running lights
- Seat belt use
- A security system
- A safe driving history
- A vehicle that’s less than three years old
You can add coverage for mechanical breakdowns if your car is less than one year and three months old and it has below 15,000 miles. The plan comes with a $250 deductible.
USAA offers an impressive cluster of services and plan discounts. However, only members of the United States military, veterans, and their family members can use this company. With USAA, you can save money on:
- Moving costs
- Rental cars
- Having multiple insurance types with USAA, like homeowners or renters insurance
- Being the parent of a student or a student who gets good grades
- Having one or more cars in storage
- Getting low annual mileage
- Owning more than one vehicle
USAA’s SafePilot program is also available in Scottsdale, Arizona. It uses a smartphone app to track your location, the time of day, how often you drive, whether you use your phone while driving, and other data. After the app analyzes your driving habits, it can take up to 30% off your insurance rates. SafePilot can’t raise your rates, and you can stop participating in the program with no penalty at any time.
A variety of affordable, innovative car insurance options are available for drivers in Scottsdale, Arizona. It’s a good idea to compare quotes from several companies and choose the best deal for your needs. You can also learn more about car repair and maintenance and shopping for a new vehicle. Whether you’re looking for the minimum required amount of car insurance or more comprehensive coverage, considering your options carefully can make deciding which insurance plan is nest for your needs easier.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.