Summit Insurance Advisors
by Michael Harbron on Mar 15, 2021
It’s always a good idea to review your auto insurance quote in Phoenix, and with spring right around the corner, you’ll want to do exactly that to find any missed opportunities to save money. Life circumstances change, whether it’s something in your life personally, in your neighborhood, or in Arizona – and you don’t want to ever pay more for Scottsdale auto insurance than you should be.
This is especially true if you’ve got a clean driving record, you’re interested in adding another line of insurance with a company, someone in your household has started or stopped driving, or you’ve gotten married. These are significant changes that usually affect how much you pay in premiums, and you’ll want to make sure you’re not only receiving every discount you’re entitled to, but you also want to have the right amount of protection, as well.
There are so many discounts out there for many different types of circumstances that you may not be aware of. If your vehicle has safety features on it, you should be paying a discounted premium. If your teenager is driving and has good grades, many companies offer a good student discount to save you money.
Rates for people who are married are often lower than those of single people (not always, but it’s worth checking), and if you have another type of insurance with the company that carries your auto insurance in Phoenix, such as life insurance, boat insurance, or home insurance in Scottsdale, multi-line discounts can save you big money. For the good student discounts, you’ll need proof of your child’s enrollment in school, and you’ll also need to provide and renew proof of the child’s good grades on a regular basis.
Comprehensive or Liability-Only?
If your vehicle is paid off, you may want to consider liability-only coverage to save you money – or you may not. This depends on several factors. Liability-only coverage isn’t always worth the money you’d save. For example, if you own a vehicle that you rarely drive, a vehicle that is very old and not worth much, or you wouldn’t pay to have the car repaired after an accident, you may find that liability-only auto insurance is a good fit.
On the other hand, if you still drive the vehicle frequently or it’s a vehicle that you are planning on keeping for a long time and will need it repaired after an accident, you may not want to go with liability-only coverage. Reviewing your policy often is the best way to make sure you are completely covered and that you’re also paying the best rates for Phoenix auto insurance possible. Should you have any questions, you can contact us for help. In addition, getting a few free no-obligation online quotes for Scottsdale auto insurance is quick and easy, and can give you a convenient window to different options for you.
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