Auto Insurance Quotes in Chandler

How many times have you told yourself it’s time to shop around for more competitive car insurance rates in Chandler, AZ? Having to pay for overpriced car insurance in Chandler can eat up your bank account and force you to make sacrifices. Performing a rate comparison is a fast and free way to lower your bills every month.

Inconceivable but true, most drivers kept buying from the same company for four years or more, and nearly the majority have never compared quotes from other companies. Drivers in Arizona could save an average of up to $730 each year by just comparing quotes, but most tend to underestimate the benefits if they swap their current policy for a cheaper one. With people having so many different company options, it is very difficult to locate the most affordable insurer.

These tips will teach you a little about how car insurance companies work and how to save the most money. If you have a policy now, you should be able to shop for the lowest rates using the ideas you’re about to read. Drivers just need to understand the least time-consuming way to compare different rates from many different companies.

Car insurance companies offering affordable rates in Arizona

The following companies are ready to provide price comparisons in Chandler, AZ. If you wish to find the best auto insurance in Chandler, AZ, it’s highly recommended you visit as many as you can in order to find the cheapest rates.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in zip code location which can revise premiums considerably.

Companies offer money-saving discounts on auto insurance

Companies that sell car insurance don’t necessarily list every discount they offer very well, so the next list breaks down both the well known and also the more inconspicuous credits available to you.

• Defensive Driver Discounts – Passing a course that instructs on driving safety may get you a small discount and make you a better driver.
• Discount for Swiching Early – Select insurance companies give a discount for switching policies prior to the expiration date on your current policy. This can save 10% or more.
• Payment Method – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
• Club Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your policy.
• No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on Chandler auto insurance quote as opposed to policyholders that have many claims.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Braking Control Discount – Cars that have anti-lock braking systems can avoid accidents and will save you 10% or more.
• Federal Employees – Employees or retirees of the government could provide a small rate reduction with some auto insurance companies.
• Senior Citizen Rates – Older drivers may be able to get lower premium rates.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will definitely lower your overall premium however.

To see insurers who offer online auto insurance quotes in Chandler, follow this link.

Learn how to quote auto insurance at a discount

Lots of factors are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving record, but others are more obscure like your continuous coverage or how safe your car is.

The items below are some of the most common factors used by your company to calculate rates.

• Liability insurance safeguards assets – The liability section of your policy is the protection when you are found liable for personal injury or accident damage. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
• Vehicle theft costs us all – Choosing to buy a car with an alarm system can save you some money. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
• Lower physical damage deductibles cost more – The deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are collision with another vehicle, damage from fire, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be.
• Does your job cost you more? – Do you have a high-stress occupation? Jobs such as doctors, social workers, and emergency personnel tend to have higher premiums than the average policyholder due to stressful work requirements and incredibly demanding work hours. Conversely, jobs like farmers, historians and homemakers receive lower rates.

When should I have guidance from an agent?

A lot of people would rather go talk to an agent. Insurance agents can help determine the best coverages and give you someone to call. A good thing about getting free rate quotes online is the fact that drivers can get the lowest rates but still work with a licensed agent. And supporting small agencies is important particularly in Chandler.

Once you complete this short form, the coverage information is immediately sent to local insurance agents in Chandler that can provide free Chandler auto insurance quotes for your coverage. There is no need to even leave your home since rate quotes are delivered directly to your email. If you have a need to get a comparison quote from a specific car insurance provider, you would need to navigate to their website and submit a quote form there.

Two types of Chandler auto insurance agents

If you need to find a reliable agent, there are a couple of different types of agents and how they function. Car insurance policy providers can either be exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it is a good idea to know the difference in the companies they write for since it can impact which type of agent you select.

Independent Car Insurance Agencies or Brokers

These agents are appointed with more than one company and that gives them the ability to insure with multiple insurance companies and find the cheapest car insurance rates. If premiums increase, your policy is moved internally and you don’t have to switch agencies.

When searching for an agent, you should always get some free quotes from multiple independent agents to have the most options to choose from.

Featured below is a partial list of independent insurance agencies in Chandler that can possibly get you free car insurance quotes.

More insurance agents

Exclusive Agencies

Exclusive insurance agents can only provide one company’s prices like State Farm, AAA, and Liberty Mutual. They usually cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents receive extensive training on the products they sell which helps them sell on service rather than price.

Below is a short list of exclusive insurance agencies in Chandler who can help you get comparison quotes.

More insurance agents

Choosing the best insurance agency is decision based upon more than just the bottom line cost. The questions below may impact your decision as well.

• Can they give you a list of client referrals?
• How long has their agency been in business in Chandler?
• Is the agent CPCU or CIC certified?
• Are there any discounts that you might be missing?
• Is insurance their full-time profession?
• Does the quote include credit and driving reports?
• Who are their largest clients?

If you receive positive feedback for all questions you ask and a low price estimate, it’s possible that you found an insurance agency that can properly service your car insurance policy.

Best and worst vehicle claim statistics

Do you own a high-claim vehicle? The claim statistics below outline the good and bad vehicle makes and models for the probability of having to file claims organized by coverage.

Arizona auto insurance companies ranked

Selecting a highly-rated car insurance provider is hard considering how many different companies insure vehicles in Arizona. The company rank data listed below can help you decide which auto insurance companies to look at purchasing from.

Top 10 Chandler Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Chandler Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Persistence pays off

We just showed you many ways to shop for car insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheaper Chandler auto insurance quotes. Consumers may even find the lowest auto insurance rates come from some of the lesser-known companies. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as Progressive and GEICO.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured cut collision coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

How to save on car insurance in Chandler

To save the most money, the best way to get budget car insurance rates in Chandler is to annually compare prices from insurers in Arizona.

• First, try to learn a little about what is in your policy and the steps you can take to lower rates. Many factors that cause rate increases like traffic citations and poor credit history can be amended by improving your driving habits or financial responsibility.
• Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agencies can quote rates from multiple companies. Select a company
• Third, compare the price quotes to your current policy premium to determine if you can save on insurance in Chandler. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.

A valuable tip to remember is that you’ll want to make sure you compare identical coverage information on every quote request and and to analyze as many carriers as you can. This enables a fair price comparison and a complete selection of prices.

Much more information about car insurance in Arizona is available on the following sites:

• Smart Auto Insurance Tips (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for Business Use in Chandler? (FAQ)
• Who Has Cheap Car Insurance Quotes for Handicapped Drivers in Chandler? (FAQ)
• Who Has Cheap Chandler Auto Insurance for Seniors? (FAQ)
• Distracted Driving (Insurance Information Institute)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Auto Insurance FAQ (Farmers Insurance)
• Older Drivers FAQ (iihs.org)