How to Compare Chandler Pontiac Vibe Insurance

The recommended way to get budget car insurance rates in Chandler is to annually compare prices from different companies who provide car insurance in Arizona. This can be done by following these steps.

1. Try to understand how insurance companies determine prices and the things you can change to prevent expensive coverage. Many rating factors that cause rate increases such as tickets, at-fault accidents, and a substandard credit score can be improved by making minor driving habit or lifestyle changes.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple sources. View a list of agents
3. Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
4. Notify your current company of your intention to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new agent or company. Once coverage is bound, keep your new proof of insurance paperwork somewhere easily accessible.

A good tip to remember is to make sure you enter similar coverage information on every price quote and and to get quotes from as many different companies as possible. Doing this helps ensure a fair price comparison and maximum price selection.

It’s well known that insurance companies want to keep you from comparing rates. People who do rate comparisons are highly likely to move their business because they have good chances of finding coverage at a cheaper rate. A recent survey found that people who shopped around saved as much as $865 annually compared to drivers who don’t make a habit of comparing rates.

If finding the cheapest price on Pontiac Vibe insurance is your goal, then knowing how to find and compare coverages can save time, money, and frustration.

If you have coverage now or just want cheaper rates, follow these tips to cut your premiums without reducing protection. Locating the best policy in Chandler is easy if you know what you’re doing. You just need to understand the proper way to shop their coverage around using one simple form.

How to find the cheapest Pontiac Vibe insurance in Chandler, Arizona

Getting cheap Pontiac Vibe auto insurance pricing can be relatively painless. You just need to take time getting comparison quotes to see which company has affordable Chandler auto insurance quotes.

The providers in the list below have been selected to offer price quotes in Arizona. To get cheap car insurance in AZ, we suggest you get price quotes from several of them to find the most affordable car insurance rates.

Car insurance is not optional

Despite the high insurance cost for a Pontiac Vibe in Chandler, insurance serves several important purposes.

• The majority of states have minimum mandated liability insurance limits which means state laws require specific minimum amounts of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your vehicle with a loan, most lenders will have a requirement that you carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank will be required to insure your Pontiac at a much higher premium rate and make you pay for the much more expensive policy.
• Car insurance protects both your car and your assets. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your Vibe definitely exceed the price paid, particularly when you have a large claim. The average driver in Arizona overpays as much as $865 each year so compare rates at least once a year to be sure current rates are still competitive.

Pontiac Vibe insurance rate analysis

The data table below highlights a range of coverage prices for Pontiac Vibe models. Having a better idea how car insurance prices are formulated can assist in making informed coverage decisions.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in garaging location in Chandler which can change rates greatly.

Choosing deductibles

When comparing insurance rates, the most common question is how high should your deductibles be. The data tables below approximate how much more you’ll pay when you choose different insurance deductibles. The first data table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can raise or lower premium rates significantly.

Based on the above data, using a $250 deductible costs roughly $23 more each month or $276 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 33 months between claims, you would probably be better off if you decide on a higher deductible.

Pontiac Vibe insurance costs by gender and age in Chandler

The illustration below shows the comparison of Pontiac Vibe insurance costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.

Price comparison of only insuring for liability

The chart below compares Pontiac Vibe car insurance costs with full coverage compared to only the Arizona minimum liability coverage. The data is based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are factored in.

Should you pay for full coverage?

There is no set guideline to stop buying full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Pontiac Vibe replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying your policy deductible. If it’s costing you more than $400 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Car insurance quotes and discounts

Car insurance is not inexpensive, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but occasionally some discounts must be specially asked for in order for you to get them.

• Buy New and Save – Putting insurance on a new Vibe may earn a small discount because new model year vehicles keep occupants safer.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
• Policy Bundle Discount – If you can combine your homeowners and auto policy with one insurance company you will save approximately 10% to 15%.
• Save with More Vehicles Insured – Drivers who insure primary and secondary vehicles with the same company qualifies for this discount.
• Discounts for Safe Drivers – Drivers without accidents could pay up to 40% less than drivers with accident claims.
• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
• Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for signing up on the web.
• Senior Citizen Discount – If you’re over the age of 55, you could receive a discount up to 10%.

You can save money using discounts, but most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

The chart below compares Pontiac Vibe car insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, multi-policy, and claim-free discounts applied.

Large car insurance companies and some of the premium reductions they offer are shown below.

• State Farm may offer discounts for student away at school, multiple autos, accident-free, anti-theft, and good driver.
• Farmers Insurance discounts include multi-car, business and professional, youthful driver, electronic funds transfer, teen driver, good student, and pay in full.
• Progressive policyholders can earn discounts including multi-vehicle, homeowner, online signing, online quote discount, and good student.
• GEICO has discounts for defensive driver, military active duty, emergency military deployment, good student, membership and employees, federal employee, and five-year accident-free.
• Auto-Owners Insurance includes discounts for safe vehicle, group or association, teen driver, air bags, and multiple vehicles.
• The Hartford offers discounts including good student, bundle, air bag, defensive driver, and anti-theft.
• Farm Bureau has savings for driver training, multi-policy, good student, youthful driver, 55 and retired, and multi-vehicle.
• USAA may include discounts for multi-vehicle, annual mileage, family discount, defensive driver, good student, and loyalty savings.

Before purchasing a policy, check with every company the best way to save money. Some discounts listed above might not be offered in Chandler. To find companies who offer car insurance discounts in Arizona, click here to view.

Local agents and auto insurance

Certain consumers just want to sit down with an agent and that is OK! Good agents will help you protect your assets and help you file claims. The biggest benefit of comparing rates online is that you can obtain cheaper prices and still have a local agent.

Upon completion of this quick form, your insurance coverage information is instantly submitted to agents in your area that can give you free Chandler auto insurance quotes and help you find cheaper coverage. You won’t need to find an agent on your own since price quotes are sent to you directly. If you want to get a comparison quote from a particular provider, don’t hesitate to navigate to their website and submit a quote form there.

Finding the right provider should depend on more than just a cheap price. Here are some questions you might want to ask.

• Does the agency have a current Errors and Omissions policy?
• Do they have any clout with companies to ensure a fair claim settlement?
• Are you getting all the discounts the company offers?
• How often do they review coverages?
• Is the agency active in community causes in Chandler?
• Are claims handled at the agent’s location?

When narrowing the list to find local Chandler agents, it’s helpful to know the different types of agencies that you can choose from. Chandler agents can either be exclusive or independent agents depending on their company appointments. Either one can sell and service auto insurance coverage, but it’s good to learn the difference in the companies they write for since it can impact which agent you choose.

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to provide other company’s prices so you need to shop around if the rates are high. They are well schooled on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents mostly because of high brand loyalty and solid financial strength.

Listed below are exclusive insurance agencies in Chandler willing to provide price quotes.

• Farmers Insurance – Tom Sisouvanh
  3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map
• Allstate Insurance: Jason Tuttle
  985 W Chandler Heights Rd #3 – Chandler, AZ 85248 – (480) 477-7511 – View Map
• Farmers Insurance – Peter Fenton
  287 E Frye Rd #3 – Chandler, AZ 85225 – (480) 351-0629 – View Map

More insurance agents

Independent Auto Insurance Agencies

Independent agencies do not have single company limitations and that is an advantage because they can write policies through many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to find a new agent.

When comparing rate quotes, you will definitely want to compare quotes from several independent agencies to maximize your price options. Many can place coverage with small regional insurance companies that may have much lower rates than larger companies.

The following is a list of independent agents in Chandler willing to provide comparison quotes.

• Allied Insurance Group
  2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222 – View Map
• Foothills Insurance Agency
  2490 S Gilbert Rd #105 – Chandler, AZ 85286 – (480) 759-1970 – View Map
• Boudreaux, Jerrold Arizona Insurance SVC
  393 W Warner Rd # 117 – Chandler, AZ 85225 – (480) 890-7900 – View Map

More insurance agents

Do I need special coverages?

When it comes to choosing your policy for your vehicles, there isn’t really a one size fits all plan. You are unique.

For example, these questions can help discover whether you will benefit from professional help.

• Is my Pontiac Vibe covered if I use it for business?
• Is my trailer covered?
• Does coverage follow the driver or the vehicle?
• What is UM/UIM insurance?
• Do I need roadside assistance coverage?
• Why am I required to buy liability insurance?
• Are my friends covered when driving my car?
• Does rental coverage apply when I am renting a car?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Don’t give up on cheaper rates

People switch companies for many reasons like extreme rates for teen drivers, denial of a claim, being labeled a high risk driver and not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.

In this article, we covered many tips how you can save on Pontiac Vibe insurance in Chandler. The key thing to remember is the more rate quotes you have, the better likelihood of getting inexpensive Chandler auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a small mutual company.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price.

Even more information is available by following these links:

• Red Light Cameras (State Farm)
• What Car Insurance is Cheapest for a 20 Year Old Male in Chandler? (FAQ)
• Who Has Affordable Auto Insurance Rates for State Employees in Chandler? (FAQ)
• Who Has Cheap Chandler Auto Insurance for Seniors? (FAQ)
• What Insurance is Cheapest for a Ford Edge in Chandler? (FAQ)
• How Much is Car Insurance for Welfare Recipients in Chandler? (FAQ)
• How Much are Chandler Car Insurance Quotes for a Toyota Highlander? (FAQ)
• Who Has Affordable Auto Insurance for Veterans in Chandler? (FAQ)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Young Drivers: The High Risk Years Video (iihs.org)
• State Car Insurance Guides (GEICO)