Finding reliable, low-cost insurance is not always easy, and figuring out which company quotes the lowest-priced insurance rates for police officers will involve even more rate comparisons.
Each insurer uses a slightly different approach for setting rates, so we’ll go over the insurance companies with the most affordable rates in Arizona. It’s important to understand that Chandler insurance rates are impacted by many things that may substantially change the price of coverage. Simply having another birthday, buying a different vehicle, or getting a speeding ticket can trigger changes in premium that can cause some rates to be more affordable than others.
Find the Cheapest Car Insurance for Law Enforcement
The Hartford quotes some of the cheapest car insurance rates in Chandler at around $845 each year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the most economical Chandler, AZ auto insurance companies.
In the above example, if you have coverage with Safeco and switched to The Hartford, you might achieve annual savings of roughly $51. Policyholders with Auto-Owners might save as much as $52 a year, and Travelers insureds might see rate reductions of $230 a year.
To see if you’re overpaying, click here to start a quote or quote rates from the companies below.
Bear in mind that those prices are averages for all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for police officers. So the insurer that can offer you the best rate may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own individual information.
For law enforcement personnel, one of the largest considerations that determine auto insurance rates is where you live. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas less populated areas receive better rates.
The table below lists the most expensive cities in Arizona for police officers to buy car insurance in. Chandler is listed at #14 with an annual cost of $1,082 on average, which is about $90 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,190 |
| 4 | Scottsdale | $1,151 |
| 5 | San Tan Valley | $1,150 |
| 6 | Buckeye | $1,122 |
| 7 | Gilbert | $1,120 |
| 8 | Mesa | $1,113 |
| 9 | Tempe | $1,106 |
| 10 | Peoria | $1,104 |
| 11 | Goodyear | $1,098 |
| 12 | Surprise | $1,090 |
| 13 | Casas Adobes | $1,082 |
| 14 | Chandler | $1,082 |
| 15 | Maricopa | $1,074 |
| 16 | Oro Valley | $1,062 |
| 17 | Tucson | $1,061 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $969 |
| 22 | Prescott | $942 |
| 23 | Bullhead City | $878 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $852 |
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Table data uses approximated as the vehicle garaging location can decrease or increase prices substantially.
Should you buy full coverage?
Saving money on insurance is important to most vehicle owners, and one easy way to buy cheap insurance for police officers is to not buy comprehensive and collision coverage. The example below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
On average, physical damage coverage on your policy costs an extra $1,681 per year more than carrying just liability coverage. Lot’s of drivers question when is the right time to remove full coverage. There is no set rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement value is $8,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,500 after the policy deductible has been paid. If you are paying more than $750 a year for your policy with full coverage, then you might consider buying liability only.
The chart below demonstrates how deductible levels can increase or decrease insurance rates when trying to find cheap insurance for police officers. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
A 30-year-old driver could lower their car insurance rates by $374 a year by changing from a $100 deductible to a $500 deductible, or save $564 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut up to $1,114 each year just by choosing larger deductibles.
If you make the decision to raise deductibles, it will be necessary to have emergency funds available to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Get discounts on Chandler insurance
Insurance companies that provide coverage for police officers may also provide rate discounts that could potentially reduce rates by 25% or more if you meet the requirements. Large insurance companies and their offered discounts are included below.
- State Farm has savings for multiple autos, student away at school, good student, multiple policy, Drive Safe & Save, and driver’s education.
- GEICO includes discounts for military active duty, five-year accident-free, multi-policy, emergency military deployment, anti-theft, multi-vehicle, and good student.
- Liberty Mutual offers discounts for multi-car, hybrid vehicle, new vehicle discount, teen driver discount, new graduate, and newly retired.
- The Hartford may have discounts that include bundle, air bag, driver training, anti-theft, and good student.
- MetLife policyholders can earn discounts including claim-free, multi-policy, good student, accident-free, good driver, defensive driver
- Progressive has discounts for homeowner, continuous coverage, multi-policy, online signing, good student, online quote discount, and multi-vehicle.
The illustration below visualizes the comparison of auto insurance rates with and without policy discounts. The data assumes a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, safe-driver, anti-theft, accident-free, passive restraint, and multiple policy discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for police officers is 28% or $429.
A good deal can quickly turn bad
Chandler, AZ insurance rates are calculated based on many things that control the cost of a policy. Simply having another birthday, buying a home, or getting a reckless driving citation may prompt premium changes that can cause some rates to be more affordable than the competition.
In addition to those changes, insurers modify rates as often as every three months to reflect underwriting profits or losses. An unexpected high level of claims can cause higher rates, while better underwriting may cause more affordable Chandler car insurance rates.
To illustrate this point, the chart below compares the cheapest car insurance in Chandler, AZ for a 40-year-old female driver with no prior accidents, a clean driving record, and solid credit. If we compare prices based on her current situation, The Hartford might offer the most affordable car insurance rates in Chandler at $1,048 each year. This is $380 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the most affordable Chandler, AZ auto insurance companies.
In this next rate comparison, we will give the driver from above a claim surcharge, a lower credit score, and a few traffic violations. Since each insurance company has their own process to determining premium rates, getting updated rate quotes most likely will result in a different list of companies as shown below.
Progressive now has the lowest price in Chandler with Ameriprise Group, CSAA, Allied, and Safeco completing the list. This example proves why Chandler drivers need to compare many different companies when trying to find affordable car insurance rates for police officers. Insurance prices are influenced by many risk factors and can increase or decrease at any time, so the most economical company when you last compared rates may now be priced much higher than other options.