Everyone knows that car insurance companies want to prevent you from shopping around. Drivers who shop for lower rates are highly likely to move their business because there is a good chance of finding a policy with better rates. A recent study showed that people who compared rates once a year saved over $3,500 over four years compared to people who never compared prices.
If finding budget-friendly rates on car insurance in Chandler is why you’re reading this, then having a good understanding the best way to shop and compare car insurance can make shopping around easier.
The easiest way to find affordable car insurance rates in Chandler is to start doing a yearly price comparison from insurers who sell auto insurance in Arizona.
- Step 1: Try to understand what coverages are included in your policy and the changes you can make to prevent high rates. Many risk factors that result in higher rates such as careless driving and a poor credit score can be improved by being financially responsible and driving safely.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple sources.
- Step 3: Compare the new rate quotes to your existing rates to determine if you can save on Challenger insurance in Chandler. If you can save money, make sure coverage is continuous and does not lapse.
- Step 4: Provide written notification to your current company to cancel the current policy and submit a signed application and payment to your new agent or company. As soon as you receive it, safely store the certificate of insurance in a readily accessible location in your vehicle.
An important part of this process is that you’ll want to compare identical deductibles and limits on each quote request and and to get prices from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and plenty of rates choose from.
When price shopping your coverage, making a lot of price comparisons helps locate more affordable rates. Some companies don’t provide online rate quotes, so it’s important to also get price quotes from them as well.
The companies shown below offer free rate quotes in Chandler, AZ. If you wish to find the best auto insurance in Arizona, we suggest you compare several of them to get a more complete price comparison.
Dodge Challenger insurance coverage information
The coverage information shown next covers different rate quotes for Dodge Challenger models. Understanding how rate quotes are determined can help you make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $278 | $538 | $356 | $22 | $106 | $1,300 | $108 |
| Challenger R/T | $308 | $620 | $356 | $22 | $106 | $1,412 | $118 |
| Challenger SRT-8 | $336 | $700 | $356 | $22 | $106 | $1,520 | $127 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in specific location which can modify rates noticeably.
Rate comparison for different deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparisons below may aid in understanding the cost difference between low and high comp and collision deductibles. The first rate comparisons 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 |
|---|---|---|---|---|---|---|---|
| Challenger SE | $292 | $460 | $338 | $20 | $102 | $1,237 | $103 |
| Challenger R/T | $322 | $530 | $338 | $20 | $102 | $1,337 | $111 |
| Challenger SRT-8 | $350 | $600 | $338 | $20 | $102 | $1,435 | $120 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Challenger SE | $236 | $370 | $338 | $20 | $102 | $1,066 | $89 |
| Challenger R/T | $262 | $428 | $338 | $20 | $102 | $1,150 | $96 |
| Challenger SRT-8 | $286 | $484 | $338 | $20 | $102 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in Chandler location which can modify premium rates noticeably.
We can estimate from the data above that using a $250 deductible costs approximately $15 more each month or $180 every year averaged for all Challenger models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 17 months between claim filings, you would come out ahead if you choose a higher deductible. The numbers below show a better example of how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $111 |
| Average monthly premium for $500 deductibles (subtract): | – $96 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One thing to note is that higher deductibles results in a higher out-of-pocket expense when you file a claim. You should have access to more funds in order to pay the deductible for vehicle repair.
How accidents and tickets impact rates
The information below shows how violations and at-fault collisions can affect Dodge Challenger insurance prices for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below shows the difference between Dodge Challenger auto insurance rates with full coverage and liability only. The rate quotes are based on no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.
Should you pay for full coverage?
There is no exact rule to eliminate physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Dodge Challenger replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your deductible. If you are paying in excess of $200 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few situations where only buying liability is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Insurance discounts help lower rates for Dodge Challenger insurance in Chandler
Companies offering auto insurance do not advertise every policy discount very clearly, so the following list contains both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Chandler car insurance online.
- Auto/Home Discount – When you have multiple policies with the same company you could save as much as 10 to 15 percent.
- Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual and GEICO will let one accident slide before your rates go up with the catch being you have to be claim-free for a specific time period.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Military Discounts – Being on active duty in the military could trigger a small discount.
- Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class in school.
- Employee of Federal Government – Federal government employees can earn a discount up to 10% with certain companies.
- ABS Brakes – Vehicles with ABS braking systems or traction control are much safer to drive and will save you 10% or more on Challenger insurance in Chandler.
- Discount for Low Mileage – Driving less could be rewarded with lower rates on the low mileage vehicles.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.
The chart below shows the difference between Dodge Challenger annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, 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 homeowner, claim-free, safe-driver, multi-policy, multi-car, and marriage discounts applied.
If you would like to see a list of companies who offer free Dodge Challenger insurance quotes in Chandler, click here.
Why insurance is not optional
Even though it can be expensive, insuring your vehicle is a good idea for several reasons.
- The majority of states have minimum liability requirements which means you are required to buy a specific level of liability insurance in order to drive the car. 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 Dodge Challenger, almost every bank will require you to have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Dodge at an extremely high rate and force you to pay a much higher amount than you were paying before.
- Insurance protects not only your car but also your financial assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Arizona is overpaying over $869 every year so smart consumers compare quotes at every policy renewal to ensure rates are inline.
How to find a good Arizona auto insurance company
Picking the top insurer is hard considering how many different companies there are to choose from in Chandler. The ranking data displayed below could help you analyze which coverage providers you want to consider when looking for cheaper rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
When do I need an agent’s advice?
When selecting insurance from an agent or online, there really isn’t a perfect coverage plan. Your needs are unique to you and your policy should reflect that.
Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.
- Are there any extra discounts I can get?
- Does my car insurance cover rental cars?
- Do I have ACV or replacement cost coverage?
- Exactly who is provided coverage by my policy?
- Do I need more liability coverage?
- Do I need PIP coverage since I have good health insurance?
- Does my Dodge Challenger need full coverage?
- Should I carry comprehensive and collision coverage?
- Does my liability insurance cover pulling a trailer or camper?
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.
Local insurance agents
Certain consumers just prefer to have an agent’s advice and that can be a smart move One of the great benefits of getting online price quotes is that you can obtain cheap insurance rates and still buy from a local agent.
After filling out this form (opens in new window), your information is transmitted to companies in Chandler who will give you quotes and help you find cheaper coverage. There is no reason to leave your computer due to the fact that quote results will go directly to you. You can find better rates without a big time investment. In the event you want to get a price quote from one company in particular, just go to their quote page and fill out their quote form.
Finding the right company shouldn’t rely on just a low price. Here are some questions to ask:
- Which family members are covered?
- How many years have they been established?
- Do they have cheaper tiers of coverage?
- How much experience to they have in personal lines coverages?
- Are aftermarket or OEM parts used to repair vehicles?