Scottsdale, Arizona is well known as the spring training grounds of the San Francisco Giants and one of the most affluent areas in the Phoenix area. It's a popular destination for hikers, golfers, and other sports enthusiasts who can enjoy the city's vibrant nightlife and visit over 70 hotels. For many of the city's 244,000 residents (according to the United States census); car insurance premiums are a significant cost, and it's well worth a few minutes of every driver's time to consider whether better rates and coverage are possible.
Many drivers in Scottsdale lower the amount of coverage that they buy to the lowest possible levels in order to guarantee affordable premiums. However, this isn't always a great idea. The minimum levels of car insurance coverage in the state of Arizona are $15,000 in bodily injury liability for up to a maximum of $30,000 per accident and $10,000 in property damage liability. In comparison to other states, these are fairly low legal requirements, and it's not a great idea to buy only the minimum required amounts of coverage. This puts the driver at risk, as an accident could easily exceed these levels. However, in some cases it may be advantageous to decrease coverage levels, provided that a driver is still adequately protected.
Discounts and special rates may be available from Scottsdale car insurance companies, and asking for these discounts is usually a much better idea than changing coverage levels. For example, drivers with car alarms greatly lower their risks from an insurance company's point of view, and may receive lower rates than drivers who own vehicles that aren't similarly protected. The more expensive the vehicle, the more a car alarm affects Scottsdale car insurance quotes. Drivers who receive traffic tickets should also consider defensive driving courses, which can save hundreds of dollars by wiping the effects of a ticket off of a driver's insurance record.
The most effective way to decrease premiums is probably through comparison shopping. It's always a good idea to gather as many quotes as possible before purchasing a policy, as Scottsdale auto insurance quotes vary greatly from one insurance company to the next. Collecting quotes is the only way to gain a perspective on what your vehicle should cost to insure, and it's the most effective course of action when reevaluating your current car insurance policy. We offer an online tool that generates accurate and reliable insurance quotes for drivers in the Scottsdale area by using a driver's zip code. It's a free, effective resource, and can greatly affect the cost of driving in Scottsdale.