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Cheap Car Insurance in Scottsdale, Arizona

Here are a few tidbits about Scottsdale when shopping for cheap car insurance. A northwest suburb of Phoenix, Scottsdale is known for its golf courses and resorts. An estimated 230,512 residents live in the city, which stretches from just northwest of the Phoenix Zoo into the scenic McDowell Sonoran Preserve. The tourism industry is the primary employer, and Scottsdale is fourth after New York, Las Vegas and Chicago for having the most five-diamond hotels and resorts in the U.S. The city is roughly divided into four sections: South Scottsdale, Old Town, Central and North Scottsdale.

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Driving Conditions in Scottsdale

Scottsdale landed in the No. 1 spot in a 2016 listing of the 100 Best Cities for Driving. The survey was based on factors such as fuel costs, congestion, parking, maintenance and insurance costs.

The main corridor through Scottsdale is State Route 101, which provides access to Phoenix metro area freeways.

Commute times for the Phoenix metro area are on par with the U.S. average of 26 minutes. For updates, travel advisories and other information on traffic conditions, access www.azdot.gov. For real-time traffic maps, visit az511.com/traffic/.

Unique Laws in Scottsdale

Scottsdale has somewhat stringent ordinances on how vehicles, including boats and trailers, can be parked on residential property. For example, cars parked in a front yard must be at least 1 foot from any sidewalks, side lot lines and at least three feet from a non-sidewalk curb. Cars also can’t be parked on grass or dirt.

Throughout Arizona, drivers are permitted to make U-turns at intersections unless there is a sign specifically prohibiting it. In an effort to curb panhandling, pedestrians are banned by state law from hitting crosswalk buttons solely to stop traffic.

Under more unusual state laws, if you cut down a cactus considered endangered, you could face up to a year in prison.

Scottsdale Crime Statistics

Within the City of Scottsdale, there were 192 cases of auto theft reported in 2015, a rate of 82 incidents for every 100,000 people – well below the national average for the same year: 220 per 100,000, according to the National Insurance Crime Bureau.

The greater Phoenix-Mesa-Scottsdale metro area has a higher-than-average rate: 12,096 cases in 2015, or a rate of 264 incidents per 100,000 people.

Scottsdale Safety Requirements

Front-seat occupants must wear seat belts, along with any passenger under age 16, according to Arizona state law. Children under age 8 or under 4 feet, 9 inches tall must ride in a car seat or booster. Seat belt laws are a secondary offense, meaning you won’t be ticketed unless you are pulled over for something else. Teen drivers in Arizona are banned from using cellphones. There is no statewide law against texting while driving, but Phoenix, Flagstaff and Tucson have banned it through ordinances.

Scottsdale Impaired Driving Laws

If you are pulled over and a test shows you have a blood or breath alcohol concentration of .08 percent or higher – or .04 for commercial drivers, or if a blood alcohol or drug test result is not available, you will lose your driving privilege on the spot, states the Arizona Department of Transportation. If you are under 21, your license may be suspended if there is any alcohol concentration at all. First offenders get 10 days or more in jail, at least a $1,250 fine and must undergo alcohol education or treatment. Also, an ignition interlock device and community service are required.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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