If you want to save money, the best way to find low-cost prices for auto insurance rates is to regularly compare prices from companies in Chandler.
- First, spend some time learning about the coverage provided by your policy and the factors you can control to lower rates. Many things that are responsible for high rates such as accidents, careless driving, and an unacceptable credit history can be controlled by making lifestyle changes or driving safer. This article gives additional ideas to prevent expensive rate increases and get bigger discounts.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide price quotes for a wide range of companies. View companies
- Third, compare the new rates to your existing rates to see if cheaper 300 coverage is available. If you can save some money and decide to switch, verify that coverage does not lapse between policies.
- Fourth, notify your current company of your intention to cancel your existing policy and submit payment and a signed application for your new policy. As soon as you can, place your new proof of insurance paperwork in an accessible location in your vehicle.
The key thing to remember is to make sure you enter the same liability limits and deductibles on every price quote and and to look at as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and a complete rate analysis.
It’s an obvious statement that auto insurance companies don’t want their customers to go rate shopping. People who shop for lower prices will, in all likelihood, move their business because there is a good probability of finding a policy with more affordable rates. A recent survey found that consumers who regularly compared price quotes saved $850 each year compared to those who never shopped around for better prices.
If finding the best price on auto insurance is your objective, then having some insight into how to find and compare insurance can save time and make the process easier.
Getting quotes for the best car insurance coverage in Chandler is not as hard as you may think. If you have a current car insurance policy or are looking for a new policy, use these money-saving tips to find the best rates without reducing protection. Shoppers just have to know the most effective way to get comparison rates online from multiple companies.
The car insurance companies shown below provide free quotes in Chandler, AZ. If multiple companies are listed, we suggest you get rates from several of them to get the lowest price.
Chrysler 300 coverage analysis
The data table displayed next covers detailed analysis of insurance coverage prices for Chrysler 300 models. Understanding how rates are determined can be useful when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| 300 Touring Plus 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| 300 Touring AWD 4-Dr | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| 300 S V6 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| 300 Touring Signature 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| 300 Touring Executive 4-Dr Sedan | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| 300 Touring Signature AWD 4-Dr | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| 300 Limited 4-Dr Sedan | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| 300 C 4-Dr Sedan | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| 300 S V8 4-Dr Sedan | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| 300 Limited AWD 4-Dr | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| 300 C AWD 4-Dr | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| 300 SRT-8 4-Dr Sedan | $204 | $418 | $314 | $18 | $94 | $1,048 | $87 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in Chandler location which can impact rates noticeably.
Higher deductibles lower rates
A question often asked by Chandler drivers is where to set your physical damage deductibles. The rates below can help you understand the differences in premium rates when you choose different deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 300 Touring Plus 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 300 Touring AWD 4-Dr | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 300 S V6 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 300 Touring Signature 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 300 Touring Executive 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| 300 Touring Signature AWD 4-Dr | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 300 Limited 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 300 C 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 300 S V8 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 300 Limited AWD 4-Dr | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 300 C AWD 4-Dr | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| 300 SRT-8 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 300 Touring 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 300 Touring Plus 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 300 Touring AWD 4-Dr | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 300 S V6 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 300 Touring Signature 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 300 Touring Executive 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| 300 Touring Signature AWD 4-Dr | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 300 Limited 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 300 C 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 300 S V8 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 300 Limited AWD 4-Dr | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 300 C AWD 4-Dr | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| 300 SRT-8 4-Dr Sedan | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can influence coverage prices noticeably.
Using the premium rates above, we can conclude that using a $250 deductible costs an average of $15 more each month or $180 for a full year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 17 months between claims, you would most likely save money if you choose the higher deductible.
How accidents and violations affect rates
The example below highlights how traffic violations and accident claims influence Chrysler 300 car insurance rates for each different age group. The data is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
These discounts can lower your car insurance quotes
Some insurance providers do not list the complete list of policy discounts very clearly, so the following list contains a few of the more common and also the lesser-known discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you are paying more than you should be.
- Bundled Policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company you could get a discount of 10% to 20% off each policy.
- Own a Home – Just owning your own home can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
- Distant Student Discount – Any of your kids living away from Chandler attending college without a vehicle on campus may qualify for this discount.
- Low Mileage – Driving fewer miles may allow you to get substantially lower car insurance rates.
- Good Grades Discount – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
Drivers should understand that most discounts do not apply to the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.
The illustration below compares Chrysler 300 insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, homeowner, and multi-car discounts applied.
A few of the larger companies and their offered discounts are shown below.
- Farm Bureau has savings for driver training, youthful driver, multi-vehicle, renewal discount, multi-policy, 55 and retired, and safe driver.
- State Farm has discounts for good driver, anti-theft, good student, safe vehicle, and defensive driving training.
- Progressive discounts include multi-policy, continuous coverage, multi-vehicle, online quote discount, homeowner, and good student.
- Allstate may have discounts that include good student, utility vehicle, economy car, good payer, premier plus, early signing, and teenSMART discount.
- Nationwide offers discounts including accident-free, anti-theft, multi-policy, easy pay, defensive driving, and good student.
- MetLife includes discounts for claim-free, good student, accident-free, defensive driver, good driver, and multi-policy.
If you need lower rates, check with every insurance company how many discounts you can get. Discounts might not be available to policyholders in Chandler. If you would like to choose from a list of insurers that offer the discounts shown above in Arizona, follow this link.
Insurance does more than just protect your car
Despite the fact that insurance is not cheap in Chandler, maintaining insurance may be mandatory for several reasons.
- Just about all states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability coverage in order to be legal. 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 took out a loan on your vehicle, it’s guaranteed your bank will have a requirement that you buy insurance to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Chrysler at a significantly higher premium and require you to reimburse them for the expensive policy.
- Insurance preserves both your assets and your vehicle. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance definitely exceed the price paid, particularly for liability claims. An average driver in America overpays more than $869 every year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.
Best auto insurance company in Chandler
Selecting the top company can be a challenge considering how many companies provide coverage in Arizona. The rank data below can help you pick which auto insurers to look at comparing rate quotes with.
Top 10 Chandler Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Chandler Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Get rate quotes but buy from a local neighborhood Chandler car insurance agent
Certain consumers prefer to buy from a local agent and that can be a smart move Most agents are very good at helping people manage risk and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that drivers can get lower rates and still have a local agent. Putting coverage with local insurance agents is especially important in Chandler.
To make it easy to find an agent, after completing this simple form, your insurance data is sent to local insurance agents in Chandler who will return price quotes for your coverage. You won’t need to contact an agency since price quotes are sent directly to you. If you want to get a price quote from one company in particular, don’t hesitate to go to their quote page and complete a quote there.
If you would like to find a reliable insurance agency, it can be helpful to understand the types of agencies and how they function. Agents in Chandler can either be independent agents or exclusive agents depending on their employer. Both can handle car insurance, but it’s a good idea to understand the subtle differences because it may have an impact on which type of agent you select.
Independent Car Insurance Agents
Agents in the independent channel are not employed by one company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If you want to switch companies, your policy is moved internally and you don’t have to switch agencies.
When comparing car insurance prices, we highly recommend that you compare quotes from several independent agencies for maximum quote selection. Many independent agencies also insure through lesser-known insurance companies which may provide better rates.
Featured below is a list of independent agents in Chandler that can possibly get you rate quotes.
- Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050 – View Map - Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map - 1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive generally can only insure with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on the products they sell and that allows them to sell at a higher price point. Some consumers prefer to use the same agent mainly due to the prominence of the brand instead of buying on price only.
Shown below is a short list of exclusive insurance agents in Chandler willing to provide comparison quotes.
- Tammy White – State Farm Insurance Agent
610 N Alma School Rd #22 – Chandler, AZ 85224 – (480) 963-7007 – View Map - Paula Koroso – State Farm Insurance Agent
569 N Arizona Ave – Chandler, AZ 85225 – (480) 792-1400 – View Map - Allstate Insurance: Joe Kittelson
1351 N Alma School Rd Ste 160 – Chandler, AZ 85224 – (480) 545-8877 – View Map
Deciding on an insurance agent should include more criteria than just a cheap quote. The following questions are important to ask.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agent have a valid license to sell insurance in Arizona?
- Will your rates increase after a single accident?
- What is the financial rating for the quoted company?
- Which company do they place the most coverage with?
- Does the quote include credit and driving reports?
- Does the agent help file claims?
- Are claim adjusters local or do you have to take your car somewhere else?