Truthfully, the best way to find more affordable Toyota Avalon insurance is to compare prices regularly from insurers who can sell car insurance in Chandler. Prices can be compared by completing these steps.
- Gain an understanding of individual coverages and the changes you can make to keep rates in check. Many things that cause high rates like careless driving and a negative credit history can be amended by improving your driving habits or financial responsibility. Continue reading for the details to lower rates and find missing discounts.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and Allstate, while independent agencies can quote rates from multiple companies.
- Compare the price quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money, make sure there is no coverage gap between policies.
- Give notification to your agent or company of your intent to cancel your current car insurance policy. Submit a down payment along with a signed application to the new company. As soon as you receive it, safely store the certificate verifying proof of insurance along with the vehicle’s registration papers.
A valuable tip to remember is that you’ll want to compare the same amount of coverage on each price quote and and to get quotes from all possible companies. Doing this guarantees the most accurate price comparison and a better comparison of the market.
Unbelievably, the vast majority of drivers have remained with the same insurance company for over three years, and just short of a majority have never compared rates with other companies. Drivers in Arizona can save up to $700 each year just by shopping around, but most tend to underestimate the large savings they would see if they switched to a more affordable policy.
Choosing the most cost-effective insurance policy in Chandler can be made easier if you know where to look. Basically, every driver who carries insurance will most likely be able to find lower rates. Although Arizona car owners do need to understand how the larger insurance companies determine how much to charge because it can help you find the best coverage.
To find the best car insurance quotes, there are several ways to obtain and compare prices from car insurance companies in your area. The best way to comparison shop is to get quotes online.
Comparing rate quotes online is fast and free, and it takes the place of having to drive around to insurance agencies in your area. The fact that you can get quotes online eliminates the middleman unless you require the trained advice that only a licensed agent can provide. If you prefer, some companies allow you to comparison shop your insurance online but still have the advice of a local agent.
When quoting car insurance, remember that having more price comparisons helps you find the best rates. Some smaller insurers do not give online rate quotes, so it’s important to also get price estimates on coverage from those companies, too.
The providers in the list below can provide price comparisons in Arizona. If you want the best cheap auto insurance in Chandler, we suggest you get rates from several of them to find the lowest car insurance rates.
Why you need to buy auto insurance
Despite the potentially high cost of Toyota Avalon insurance, buying auto insurance is a good idea for several reasons.
- Just about all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability protection if you don’t want to risk a ticket. 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 Toyota with a loan, most lenders will force you to have physical damage coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Toyota at a more expensive rate and make you pay for it.
- Auto insurance protects both your assets and your car. It will also reimburse you for many types of medical costs that are the result of an accident. Liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than offset the price you pay, particularly for liability claims. According to a recent study, the average American driver overpays as much as $865 each year so it’s recommended you shop around once a year at a minimum to save money.
Facts and figures for Toyota Avalon insurance
The premium information displayed below outlines estimates of policy rates for Toyota Avalon models. Understanding more about how auto insurance policy rates are determined is important for you to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $286 | $536 | $308 | $18 | $92 | $1,240 | $103 |
| Avalon XLS | $286 | $632 | $308 | $18 | $92 | $1,336 | $111 |
| Avalon Limited | $318 | $632 | $308 | $18 | $92 | $1,368 | $114 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific garaging location which can influence premiums substantially.
Physical damage deductibles
A question often asked by Chandler drivers is which deductibles should you choose. The data tables below may help to conceptualize the premium difference between low and high comp and collision deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $262 | $390 | $254 | $16 | $76 | $1,023 | $85 |
| Avalon XLS | $262 | $460 | $254 | $16 | $76 | $1,093 | $91 |
| Avalon Limited | $292 | $460 | $254 | $16 | $76 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $212 | $314 | $254 | $16 | $76 | $872 | $73 |
| Avalon XLS | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Avalon Limited | $236 | $370 | $254 | $16 | $76 | $952 | $79 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can affect price quotes noticeably.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $14 more each month or $168 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 18 months between claim filings, you would more than likely save some money if you elect the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $90 |
| Average monthly premium for $500 deductibles (subtract): | – $76 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
The information below illustrates how your deductible choice and can raise or lower Toyota Avalon yearly insurance costs for different categories of driver ages. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
How accidents and violations affect rates in Chandler
The information below highlights how speeding tickets and fender-benders can increase Toyota Avalon auto insurance rates for each different age group. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Full coverage versus liability-only
The example below compares Toyota Avalon insurance premiums with liability coverage only compared to full coverage. The data is based on no claims or driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no set rule to stop buying 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 of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Toyota Avalon settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying your deductible. If premiums are more than $700 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few situations where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Score discounts to get cheaper Chandler car insurance quotes
Some providers don’t always publicize every available discount very well, so here is a list both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Chandler auto insurance online.
- Safe Drivers – Insureds who avoid accidents may save up to 50% more as compared to drivers with claims.
- Own a Home and Save – Owning your own home or condo can save a few bucks since home ownership means you have a higher level of financial diligence.
- Policy Bundle Discount – If you combine your auto and homeowners policies and insure them with the same company you may save up to 20% and get you cheaper Avalon insurance.
- Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
- Telematics Data – Policyholders that allow driving data collection to look at driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, nobody gets a free ride.
The illustration below visualizes the comparison of Toyota Avalon insurance premiums with and without policy discounts. The data is based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, homeowner, and multi-car discounts applied.
Some of the larger companies who might offer these benefits include:
When quoting, ask every prospective company how you can save money. Some discounts may not apply in every state. To locate providers with the best discounts in Chandler, click here.
Can’t I get rate quotes from local Chandler insurance agents?
Many people still like to sit down with an agent and that can be a smart move One of the best bonuses of getting free rate quotes online is you can get the lowest rates and still choose a local agent.
Once you complete this form (opens in new window), the coverage information is immediately sent to local insurance agents who want to provide quotes for your car insurance coverage. It makes it easy because there is no need to leave your computer since price quotes are sent instantly to you. You can most likely find cheaper rates and work with a local agent. If you have a need to compare rates from a specific company, feel free to visit that company’s website and fill out their quote form.
Finding the right company should include more criteria than just the price. Before buying a policy in Chandler, get answers to these questions.
- Do they regularly work with personal auto policies in Chandler?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How much training do they have in personal risk management?
- Can glass claims be handled at your home?
- Are there any discounts for paying up front?
- How long has their agency been in business in Chandler?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Insurance agent types
When looking for local Chandler agents, it helps to know the two types of agencies and how they differ in how they quote coverages. Agencies in Chandler are either exclusive or independent (non-exclusive).
Exclusive Agents
Agents that elect to be exclusive can only quote rates from one company like Farmers Insurance or State Farm. These agents are not able to provide other company’s prices so always compare other rates. Exclusive agents are usually well trained on the products they sell and that allows them to sell at a higher price point.
Shown below is a short list of exclusive insurance agencies in Chandler that are able to give price quotes.
Allstate Insurance: Joe Kennedy
2330 N Alma School Rd Ste 126 – Chandler, AZ 85224 – (480) 526-8277 – View Map
Farmers Insurance – Alan Beyerle
1820 E Ray Rd a213 – Chandler, AZ 85225 – (480) 820-2797 – View Map
Allstate Insurance: Kevin Lum
5055 W Ray Rd Ste 22 – Chandler, AZ 85226 – (480) 883-8798 – View Map
Independent Agents
Agents that elect to be independent do not work for one specific company and that allows them to write policies through many different car insurance companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and the insured can keep the same agent.
When comparing rate quotes, it’s a good idea to compare quotes from multiple independent agents so that you have a good selection of quotes to compare.
The following is a short list of independent insurance agents in Chandler that can give you price quote information.
Nationwide Insurance Chandler
2040 S Alma School Rd #1 – Chandler, AZ 85286 – (480) 822-7100 – View Map
1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 – View Map
Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map
When should I discuss my situation with an agent?
When it comes to buying coverage online or from an agent for your vehicles, there really is no “perfect” insurance plan. Your financial needs are unique so this has to be addressed.
Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.
- What is GAP insurance?
- Do I have coverage for damage caused while driving under the influence?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I have combined single limit or split liability limits?
- What does UM/UIM cover?
- Do I pay less for low miles?
- Am I covered if I crash into my own garage door?
- Can I rent a car in Mexico?
- I have a DUI can I still get coverage?
If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Compare. Compare. Compare.
In this article, we covered some good ideas how to compare Toyota Avalon insurance premium rates in Chandler. It’s most important to understand that the more you quote Chandler auto insurance, the better your chances of lowering your prices. You may even be surprised to find that the best premium rates are with a smaller regional carrier. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
Low-cost Toyota Avalon insurance in Chandler can be found from both online companies and from local agencies, so you need to shop Chandler auto insurance with both in order to have the best chance of saving money. Some insurance providers may not have the ability to get quotes online and many times these regional carriers provide coverage only through local independent agencies.
For more information, take a look at the articles below:
- How to Avoid Common Accidents (State Farm)
- Who Has Cheap Auto Insurance for a Honda Accord in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Felons in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Credit Scores in Chandler? (FAQ)
- How Much are Car Insurance Rates for College Graduates in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Chandler? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- State Car Insurance Guides (GEICO)