Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 26, 2020

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Here's what you need to know...

  • Liability car insurance is mandatory in Scottsdale, which is your first line of defense against trouble
  • Before deciding, make sure an insurance company has a good reputation in order to save you from the company no longer existing when you need your insurance
  • Scottsdale’s higher rate of accidents reported each year may affect auto insurance rates

Saving money on Scottsdale car insurance is easy if you know how to go about it. Anyone who seeks this can understand that car insurance companies look at a lot of things for your rates.

Scottsdale car insurance is no different. Here are some things to consider to help you in finding the best rates.

First, consider the area. Scottsdale is a wonderful place to live. It is full of options for anything that you could imagine.

It has various styles of neighborhoods to choose from for your home. As you settle in and find your city car insurance, check out the local sights and see what you can discover.

Secondly, meet some of the locals and ask them about their recommendations for car insurance agencies and companies that can help you get the best car insurance at an affordable price.

Be sure to try FREE our car insurance comparison search tool today by entering your ZIP code above now.

What is the minimum car insurance in AZ?

Auto insurance in Scottsdale is required, as a part of Arizona car insurance regulations. When you buy insurance, you must understand the one basic requirement of this coverage.

The first insurance requirement for Scottsdale is liability coverage. Liability insurance covers damage to the other car and property in the event that you are the one at fault in the event of an accident.

It is very important to get more insurance coverage than what you need for liability. If you fail to take care of this step, you will discover that your financial life can be ruined.

That is due to the fact that the party that is not at fault can sue you for the full cost of their losses.

If you don’t have enough liability car insurance, then you can be personally sued for the difference.

That is not a good thing. Make sure that your liability coverage is enough to protect you. If you are unsure of what that coverage is, you can ask your agent.

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Scottsdale Car Insurance Laws

Scottsdale car insurance laws are much like everywhere else. You must have at least the minimum car insurance coverage. You can also add more coverage on top of that.

How much you add to your policy is up to you. The coverage offers you a chance to protect your financial assets in the event of an accident.

Liability, for example, is your first line of defense against trouble. If you have the right level of liability coverage, then you can protect yourself from financial harm.

Comprehensive car insurance allows the insured protection of their own.

This coverage is for them in the event the car that the person has insured is stolen or harmed in a manner that does not have any means of coverage from another person.

Comprehensive coverage is like an umbrella that covers those times when you are the only one to fix the loss. In that case, the car is replaced or fixed based on the individual’s comprehensive coverage.

Who has the cheapest car insurance in AZ?

No two car insurance companies are going to be the same. Each company will offer the same basic coverage, but one might save you more money.

That difference is why searching is so important. Look for the best auto insurance companies that can save you the most money and offer you the most reliability in coverage.

Check with your local Better Business Bureau as well to make sure that you can find a company that is reputable.

The worst scenario would be to need your insurance and discover that the company is no longer there.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Scottsdale Car Insurance Agencies

Scottsdale car agencies are widely available. You have to decide what you need in an agent before you call. Make a list and be sure to check those things as you interview each agency.

You can also use our free car insurance quote comparison tool to find what rates you should pay.

Just be sure to ask the questions that will matter for your coverage. Also, make sure to ask about how they handle accidents. Be specific with your examples.

Help yourself by asking the right things at the beginning, and you will have the coverage that you need when the time comes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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How much does car insurance cost in Scottsdale, AZ?

The average rates for auto insurance in Scottsdale are important to note. Scottsdale has a higher rate of accidents reported each year. This can be costly to your coverage.

In spite of the higher accident rates, residents in Scottsdale pay an average of $70 a month for coverage – less than the national average.

Another factor that affects your rates is your personal profession and credit. Note that you have to improve your credit to get the better rates. You also need to realize that your occupation can greatly affect your rates.

Make sure you’re not paying higher than average premiums by comparing quotes with our free zip code search!

Scottsdale Driving and Car Insurance Statistics

The statistics for Scottsdale driving and car insurance statistics are good. Scottsdale is a bit higher in fraud and accidents each year, but for Arizona as a whole, frauds and accidents are less.

The lower statistics are a great thing for you if you reside in the state. Some people actually choose Scottsdale because it does offer better rates. It is definitely important to note.

There are activists in the state that aggressively pursue fighting any laws that raise rates for people living in Scottsdale. That is really good news if you live there and have to buy coverage.

Remember to ask about any ways you can get lower car insurance rates.

You have to compare Scottsdale car insurance quotes if you want to save the money that you need to save. If you do all of this right, then you can get what you need at the price that you need.

Ask the right questions and do your search for the best rates around. That way you know that your car is covered completely and you paid the best rates.

The easiest way to compare Scottsdale car insurance quotes is to try our ZIP code search and start saving today.