It would sure make life easier if we could just give you the name of the single company that has the most affordable coverage in Arizona. Unfortunately, it’s not that simple as there are a lot of unknown aspects like whether you are male or female, the neighborhood you live in, how old you are, and what coverage limits you need, that all factor into the price you pay. This article will detail some of these topics and will give you a good start in finding the cheapest insurance in Arizona.
The type of vehicle you are buying coverage for is one of the largest considerations in finding the best car insurance for unemployed drivers. Vehicles with high performance, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The next list presents car insurance rates for some of the most budget-friendly automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,366 |
| Ford Escape XLS 4WD | $1,376 |
| Ford F-150 XL Regular Cab 2WD | $1,440 |
| Honda Accord EX-L 4-Dr Sedan | $1,485 |
| Toyota Prius | $1,490 |
| Ford F-350 XL Super Cab 2WD | $1,495 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,542 |
| GMC Sierra SLE Crew Cab 4WD | $1,547 |
| Chevrolet Impala LS | $1,556 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,547 |
| Chevrolet Malibu Hybrid | $1,577 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,582 |
| Toyota RAV4 4WD | $1,577 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,602 |
| Ford Focus SES 4-Dr Sedan | $1,634 |
| Toyota Camry Hybrid | $1,649 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,652 |
| Toyota Tacoma Double Cab 4WD | $1,662 |
| Ford Explorer Eddie Bauer AWD | $1,669 |
| Dodge Grand Caravan SXT | $1,662 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can modify premiums substantially.
Based upon these rates, you can infer that cars like the Honda CR-V, Ford Escape, and Ford F-150 are likely to be the cheaper vehicles to insure for the unemployed.
Comparing quotes for low-priced auto insurance is not the easiest thing to do, and determining which company offers the cheapest insurance rates for unemployed drivers will take even more diligence. Every insurance company has a unique approach for filing rates in each state, so first let’s look at the rankings for the insurance companies with the overall cheapest rates in Arizona.
Find Cheaper Auto Insurance for Job Seekers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | Allied | $1,197 |
| 9 | CSAA | $1,213 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,303 |
| 14 | Farmers | $1,337 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,429 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
| View More Rates Go | ||
The Hartford normally has some of the most affordable car insurance rates in Chandler at around $820 per year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Chandler, AZ insurance companies.
As the example above demonstrates, if you currently buy coverage from Travelers and switched to Auto-Owners, you may see an annual premium reduction of approximately $189. Arizona drivers with USAA may save as much as $194 a year, and Progressive customers might lower prices by $233 a year.
To find out how much you can save, click here to get a free quote or visit several of the following companies.
Understand that those estimates are averaged for all types of drivers and the different vehicles they drive and and are not figured with an exact vehicle garaging location for unemployed drivers. So the car insurance company that has the lowest price for you may not even be in the top 28 companies in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Ending up with a high-quality company is hard considering how many companies there are in Chandler. The company rank data shown below could help you decide which companies to look at buying from.
These ratings are only comprised of companies that insure vehicles nationwide, so companies that have a smaller presence are not factored into these rankings. To compare prices from the insurers below and more, follow this link.
Top 10 Large Auto Insurance Providers in Chandler Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Large Auto Insurance Providers in Chandler Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Rate difference between full and liability-only coverage
Reducing premiums for insurance should be important to most vehicle owners, and one of the best ways to save on the cost of insurance for unemployed drivers is to not buy full coverage. The illustration below shows the comparison of car insurance rates with and without full coverage. The data is based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.
If we average all the age groups together, full coverage on your policy costs $1,579 per year more than just buying liability insurance. That amount may make you wonder when is the right time to remove full coverage. There isn’t a written rule to eliminate physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
There are a few cases where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
The example below demonstrates how deductible levels can influence insurance prices when researching cheap insurance for unemployed drivers. The rates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could lower their car insurance rates by $312 a year by switching from a $100 deductible up to a $500 deductible, or save $468 by using a $1,000 deductible. Even younger insureds, like the age 20 example, can save as much as $950 every year by using higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it will now be necessary to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find the cheapest insurance for unemployed drivers
Below you’ll find some money-saving suggestions that can help Arizona drivers buy lower-cost auto insurance.
- Try to remain claim-free
- Prevent rate increases by staying accident-free
- Bundle home and auto and save
- Drive safely
- Clean up your credit
- Increase your comprehensive and collision deductibles
- Compare rates regularly to ensure the best deal
That last piece of advice is very necessary, as was stressed in this article. Auto insurance prices vary greatly, so don’t be unwilling to buy a different policy if a better rate can be found. Sticking with a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you a small fortune. Spend a few minutes and compare prices and find cheaper auto insurance for unemployed drivers in Chandler.