It goes without saying that auto insurance companies want to keep your business as long as possible. Insureds who shop around annually are likely to switch companies because there is a high probability of finding coverage at a more affordable price. A study discovered that drivers who did price comparisons regularly saved an average of $865 a year compared to other drivers who don’t make a habit of comparing rates.
If finding the lowest price on Saab 9-5 insurance is your objective, then having an understanding of how to quote and compare cheaper coverage can make shopping around easier.
The most effective way to find affordable Saab 9-5 insurance is to compare quotes once a year from companies who provide car insurance in Chandler. Rates can be compared by following these steps.
First, spend a few minutes and learn about policy coverages and the factors you can control to prevent high rates. Many things that increase rates such as tickets, at-fault accidents, and a low credit score can be eliminated by paying attention to minor details. This article gives ideas to get lower rates and earn a bigger discount.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of companies.
Third, compare the quotes to the price on your current policy to see if a cheaper price is available. If you can save money and switch companies, verify that coverage does not lapse between policies.
A valuable tip to remember is to compare the same level of coverage on every price quote and and to get prices from every insurance company. This guarantees an accurate price comparison and a better comparison of the market.
When looking for low cost Chandler auto insurance quotes, there are a couple ways to compare rate quotes from companies that offer insurance in Arizona. The best way to find affordable insurance rates is to use the internet to compare rates. Keep in mind that comparing more quotes provides better odds of finding better pricing. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare rates from them, too.
The companies in the list below are ready to provide comparison quotes in Arizona. If you wish to find cheap auto insurance in AZ, we recommend you visit as many as you can to find the cheapest car insurance rates.
Get discounts on Chandler car insurance
Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you quote, but some need to be requested specifically prior to receiving the credit.
- Cautious Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their Chandler auto insurance quote as compared to drivers with claims.
- College Student Discount – Kids who attend college more than 100 miles from Chandler and do not have a car may be able to be covered for less.
- Active Service Discounts – Having a family member in the military could qualify you for better car insurance rates.
- ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
- Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may save 10% to 20% off each policy.
- Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
- Claim-Free Discount – Drivers who don’t have accidents pay much less in comparison to bad drivers.
- Government Employee Discount – Federal government employees can earn a discount up to 10% with some car insurance companies.
Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, that’s just not realistic.
The illustration below illustrates the difference between Saab 9-5 annual premium costs with and without discounts being applied to the rates. Data assumes a female driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, safe-driver, and homeowner discounts applied.
To choose insurance companies that offer the discounts shown above in Arizona, follow this link.
Rates and information analytics
The rate table shown below outlines a range of coverage prices for Saab 9-5 models. Having a better idea how car insurance premiums are determined is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $298 | $484 | $392 | $24 | $118 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can raise or lower prices significantly.
Should you raise deductibles?
One of the more difficult decisions when buying insurance is how high should the physical damage deductibles be. The rates below sum up the premium difference between high and low physical damage coverage deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $322 | $600 | $300 | $18 | $90 | $1,355 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-5 Aero XWD 4-Dr Sedan | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can impact premium rates significantly.
Based on the data above, we can derive that using a $250 deductible costs roughly $17 more each month or $204 each year than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 15 months between claims, you would probably save some money if you elect the higher deductible.
The example below illustrates how your deductible choice and can influence Saab 9-5 insurance prices for different insured age categories. The premiums assume a married female driver, comp and collision included, and no other discounts are factored in.
Gender-based insurance rates
The illustration below visualizes the comparison of Saab 9-5 yearly insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The diagram below visualizes the comparison of Saab 9-5 yearly insurance costs when comparing full coverage to liability only. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
When to eliminate full coverage
There is no exact formula to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Saab 9-5 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after paying your deductible. If premium cost is more than $600 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where only buying liability is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Comparing prices from local Chandler insurance agencies
A small number of people would prefer to talk to a local agent and that can be a smart move An additional benefit of comparing car insurance online is that you can find cheaper prices and also buy local. Supporting local agencies is important especially in Chandler.
To make it easy to find an agent, after completing this simple form, the quote information gets sent to companies in Chandler that can give you free Chandler auto insurance quotes for your coverage. It makes it easy because there is no need to leave your house because prices are sent to your email. It’s the lowest rates AND an agent nearby. If you want to get a price quote from a specific car insurance provider, you would need to visit that company’s website and give them your coverage information.
If you prefer to buy car insurance from an insurance agent, you should know the different agency structures and how they can service your needs differently. Car insurance agents in Chandler may be either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
These agents are not required to write business for one company so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally which makes it simple for you. When comparing rate quotes, it’s recommended you contact a few independent agents to have the best price comparison. They often place coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
The following is a small list of independent agencies in Chandler that can give you free rate quotes.
- Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 – View Map - Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 – View Map - Taylor Insurance Agency
920 W Chandler Blvd #1 – Chandler, AZ 85225 – (480) 264-6226 – View Map
Exclusive Car Insurance Agents
Agents that elect to be exclusive have only one company to place business with and examples are Allstate and State Farm. They are unable to provide rate quotes from other companies so keep that in mind. They are usually well trained on the products they sell and that allows them to sell at a higher price point. Some insured continue to purchase coverage from exclusives mainly due to high brand loyalty and solid financial strength.
Shown below is a list of exclusive insurance agents in Chandler who can help you get price quote information.
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map - Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map - Bill Quigley – State Farm Insurance Agent
825 West Warner Road – Chandler, AZ 85225 – (480) 899-7878 – View Map
Picking an auto insurance agent requires more thought than just a cheap quote. The questions below may impact your decision as well.
- Does the agency have a current Errors and Omissions policy?
- Does the agency have a good rating with the Better Business Bureau?
- Are you getting all the discounts the company offers?
- Are they properly licensed to sell insurance in Arizona?
- How often do they review policy coverages?
- Does the agency provide any after hours assistance?
You Can Change Your Insurance Premiums
One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that are used to determine your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that could help you find cheaper rates. Many different elements are used when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are less obvious like your continuous coverage or your commute time.
- Don’t buy incidental coverages that may not be needed – Policies have optional add-on coverages that may not really be needed if you aren’t diligent. Insurance for vanishing deductibles, accident forgiveness, and Farm Bureau memberships are some examples. You may think they are a good idea when discussing your needs, but if you don’t need them think about removing them and cutting costs.
- Drive less and get lower prices – The more you drive your Saab in a year’s time the more you will pay for car insurance. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that have low annual miles get more affordable rates compared to those used for work or business. An improperly rated 9-5 can cost quite a bit. Make sure your vehicle rating is rated on the right rating data.
- Single drivers take more risk – Having a spouse can get you a discount when buying car insurance. Having a significant other translates into being more stable financially and it’s proven that married drivers get in fewer accidents.
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Lower rates come with age – Beginning drivers in Arizona tend to be more careless when driving with friends and because of this, their car insurance rates are much higher. Older insureds are proven to be safer behind the wheel, cause fewer claims and accidents, and tend to be get fewer driving tickets.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Buy a safe car and pay less – Vehicles that have high safety ratings get lower rates. Highly rated vehicles reduce injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy. If the Saab 9-5 scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
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Better drivers pay lower premiums – Having just one ticket can increase rates by as much as thirty percent. Attentive drivers receive lower rates compared to drivers with tickets. Drivers who have received license-revoking violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
The diagram below demonstrates how citations and fender-benders can drive up Saab 9-5 car insurance rates for different age groups of insureds. The premiums assume a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
- Prevent theft and save – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
Why you need car insurance
Despite the potentially high cost of Saab 9-5 insurance, insuring your vehicle is required in Arizona but it also protects you in many ways.
- Just about all states have mandatory insurance requirements which means state laws require a specific level of liability in order to drive the car legally. 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 your Saab has a loan, it’s guaranteed your bank will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Saab at a significantly higher premium and make you pay much more than you were paying before.
- Insurance protects not only your Saab but also your assets. Insurance will also pay for many types of medical costs incurred in an accident. Liability insurance also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of having insurance outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $850 per year so it’s recommended you shop around each time the policy renews to ensure rates are inline.
Best car insurance in Chandler
Selecting the top car insurance company can be a challenge considering how many companies are available to choose from in Chandler. The company rank data listed below could help you analyze which auto insurers you want to consider purchasing a policy from.
Top 10 Chandler Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
More effort can pay off
Cheap Saab 9-5 insurance in Chandler can be bought on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and usually these smaller companies only sell through independent insurance agents.
While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.
We just covered a lot of ways to compare Saab 9-5 insurance rates in Chandler. The key thing to remember is the more you quote Chandler auto insurance, the better chance you’ll have of finding inexpensive Chandler auto insurance quotes. You may even discover the most savings is with a small mutual company.
Additional car insurance information can be found at these links:
- Should I Buy a New or Used Car? (Allstate)
- How Much are Car Insurance Rates for a GMC Sierra in Chandler? (FAQ)
- How Much is Chandler Auto Insurance for 17 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Kia Forte in Chandler? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance Rates for a Ford F-150? (FAQ)
- How Much are Car Insurance Rates for College Graduates in Chandler? (FAQ)
- Distracted Driving (Insurance Information Institute)
- State Car Insurance Guides (GEICO)
- How to Avoid Common Accidents (State Farm)