What Makes Car Insurance Expensive in Scottsdale, AZ

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The average cost of auto insurance in Scottsdale, AZ, is $987, which is lower than the cost of auto insurance in neighboring places such as Salt River, Phoenix, Fountain Hills, Paradise Valley, and Rio Verde. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to driver’s age. This cost also varies from one neighborhood to another. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from different insurers. 

Below is a list of factors that make auto insurance expensive in Scottsdale, AZ

Deductibles:

The rate of deductibles is one of the most common factors affecting the cost of auto insurance in Scottsdale, AZ. Generally, a low deductible tends to increase the cost of auto insurance, while a high deductible leads to a decrease in the price. But, this also depends on the make and model of the vehicle. The cost of auto insurance in Scottsdale, AZ, comes down to $1,446 from $1,712 when the rate of deductible increases from $500 to $1,000.

Demographics:

The age and gender of drivers are major factors that affect the cost of auto insurance. Younger car owners end up spending more on auto insurance because of their lack of experience behind the wheel. Consequently, an increase in driving experience can reduce the cost of auto insurance. As the above infographic indicates, the cost of auto insurance for teenagers is a massive $3,203, while it comes down to $870 and $882 when the driver is in his fifties and sixties.

Driving Record:

A poor driving record can also lead to a massive increase in the cost of auto insurance for car owners in Scottsdale, AZ. Post-DUI, the cost of auto insurance rises to $1,956. Other major driving violations can also cause a massive increase in rates. Driving with an expired license or running a red light can severely increase auto insurance costs and have a long-term impact on one’s premium. The former leads to an increase of $665, while the latter causes an increase of $230.

Being a safe driver has its benefits since the amount of risk undertaken by the insurer is low for drivers with fewer violations.

Credit Score:

Possessing a healthy credit score is essential in lowering the cost of auto insurance in Scottsdale. If a driver’s credit score is exceptional, the cost of auto insurance can be as low as $847. It can be as high as $1,342 and $1,610 if the credit score is average or poor.