How many times have you said it’s time to compare lower-priced Volvo C30 insurance in Chandler? Trying to find the cheapest insurance for your Volvo C30 in Arizona can turn out to be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.
There is a right way and a wrong way to buy auto insurance and you need to know the proper way to price shop coverage for your Volvo and find the lowest price.
Consumers need to shop coverage around quite often because insurance prices are rarely the same from one policy term to another. Even if you got the best price on Volvo C30 insurance in Chandler six months ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re going to learn the fastest way to find lower rates on auto insurance.
Comparing quotes for the most affordable protection in Chandler is not as difficult as people think. If you have coverage now or are just looking to switch companies, you will benefit by learning to find the best rates and still get good coverage. Smart buyers just need to use the proper way to get comparison rates from many different companies online.
The method we recommend to compare policy rates for Volvo C30 insurance in Chandler utilizes the fact most insurance companies participate in a system to quote your coverage. All consumers are required to do is give the companies some data like marital status, how much coverage you want, if your license is active, and what you do for a living. The data gets sent immediately to multiple different insurance companies and you get price estimates quickly.
To check Volvo C30 insurance prices now, click here and find out if you can get cheaper insurance in Chandler.
The companies shown below are our best choices to provide quotes in Chandler, AZ. To buy cheaper auto insurance in Arizona, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Analysis of coverages
The price information displayed below covers estimates of rate quotes for Volvo C30 models. Being aware of how insurance policy premiums are established is important for you to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $146 | $262 | $282 | $16 | $84 | $790 | $66 |
| C30 T5 R-Design | $164 | $308 | $282 | $16 | $84 | $854 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can decrease or increase auto insurance rates greatly.
Higher deductibles lower rates
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The tables below can help show the rate differences when you choose different insurance deductibles. The first table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| C30 T5 R-Design | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C30 T5 | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| C30 T5 R-Design | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific location information which can influence coverage rates significantly.
Based on these figures, using a $250 deductible will cost in the ballpark of $22 more each month or $264 each year than quoting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 34 months between claim filings, you would most likely save money if you opt for a higher deductible.
The chart below illustrates how your choice of deductibles and can influence Volvo C30 premium costs for each age group. The data assumes a married male driver, full coverage, and no discounts are taken into consideration.
Age-based auto insurance rates by gender
The information below illustrates the difference between Volvo C30 auto insurance rates for male and female drivers. The premiums assume no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Three reasons to insure your vehicle
Despite the high cost, maintaining insurance may be mandatory for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts 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.
Second, if your vehicle has a lienholder, more than likely the lender will require that you have insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Volvo at an extremely high rate and require you to reimburse them the higher premium.
Third, insurance protects both your Volvo and your assets. Insurance will also pay for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance greatly outweigh the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver is overpaying more than $810 a year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.
Affordable Chandler car insurance rates with discounts
Car insurance is not an enjoyable expense, but there could be available discounts to help bring down the price. Most are applied at quote time, but some discounts are required to be inquired about before being credited.
- Paper-free Discount – Certain larger companies will provide an incentive for completing your application digitally online.
- Discount for Swiching Early – A few companies give discounts for renewing your policy early. The savings is around 10%.
- ABS Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more on C30 insurance in Chandler.
- Memberships – Joining a civic or occupational organization in Chandler could earn you a nice discount on your next car insurance statement.
- Student in College – Youth drivers who attend college more than 100 miles from Chandler and won’t have access to an insured vehicle could get you a discount.
- New Car Discount – Insuring a new C30 can save up to 30% because newer models keep occupants safer.
- Good Student Discount – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better car insurance rates if you take out some life insurance in addition to your auto policy.
- Bundled Policy Discount – When you combine your auto and homeowners insurance with one insurance company you could save at least 10 to 15 percent or more.
- Senior Citizens – Mature drivers are able to get a discount up to 10%.
Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.
The diagram below illustrates the comparison of Volvo C30 insurance prices with and without discounts applied to the premium. The prices are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, homeowner, and multi-policy discounts applied.
Popular car insurance companies and their offered discounts can be read below.
- State Farm discounts include good student, Drive Safe & Save, student away at school, accident-free, passive restraint, multiple autos, and good driver.
- American Family policyholders can earn discounts including mySafetyValet, multi-vehicle, early bird, air bags, and Steer into Savings.
- AAA may have discounts that include anti-theft, good driver, good student, multi-car, AAA membership discount, multi-policy, and pay-in-full.
- GEICO may offer discounts for seat belt use, emergency military deployment, daytime running lights, air bags, and defensive driver.
- Mercury Insurance offers premium reductions for multi-policy, type of vehicle, accident-free, age of vehicle, professional/association, multi-car, and good student.
- Farmers Insurance includes discounts for homeowner, mature driver, business and professional, bundle discounts, teen driver, and pay in full.
- Progressive may include discounts for multi-vehicle, good student, continuous coverage, multi-policy, and online quote discount.
When quoting, ask each company or agent how many discounts you can get. Some credits might not apply in your area. To see insurance companies that have a full spectrum of discounts in Chandler, follow this link.
Should I contact an insurance agent?
Many people would rather buy from a licensed agent and doing that can be a smart decision Professional agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of getting online price quotes is you can get cheap insurance rates and still have a local agent. Supporting neighborhood agents is important particularly in Chandler.
By using this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Chandler that can give you free Chandler auto insurance quotes and help you find cheaper coverage. You never need to contact any agents due to the fact that quote results will go to you instantly. In the event you want to get a rate quote from a specific company, feel free to visit that company’s website and fill out the quote form the provide.
If you are searching for a good Chandler insurance agent, it’s helpful to know the types of agencies and how they function. Insurance agents in Chandler can be classified as either exclusive or independent (non-exclusive). Both types can write insurance policies, but it’s important to know the difference in the companies they write for since it could factor into which agent you choose.
Independent Agencies or Brokers
Agents of this type are not employed by one company and that is an advantage because they can write policies with lots of companies and find the cheapest rate. If your premiums go up, your agent can just switch to a different company which makes it simple for you. When comparing rates, it’s a good idea to get several quotes from a few independent agents to have the best price comparison. Most also have access to smaller companies that can offer cheaper rates than bigger companies.
Listed below are independent agents in Chandler who may provide free insurance quotes.
- San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map - 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
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates such as Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents receive extensive training on the products they sell and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mostly because of the brand name instead of buying on price only.
Below is a short list of exclusive insurance agents in Chandler willing to provide comparison quotes.
- State Farm: Grady Hansen
1807 E Queen Creek Rd #1 – Chandler, AZ 85286 – (480) 883-7997 – View Map - State Farm: Bryan Ross
5960 S Cooper Rd #2 – Chandler, AZ 85249 – (480) 855-8555 – View Map - Allstate Insurance: Robert Gallego
3175 S Price Rd Ste 142 – Chandler, AZ 85248 – (480) 820-0808 – View Map
Finding the right insurance agent should include more criteria than just the premium amount. The questions below may impact your decision as well.
- Will the agent help in case of a claim?
- What will you get paid if your car is a total loss? How is that amount determined?
- Is the agency involved in supporting local community causes?
- How many companies do they write for?
- What are the financial ratings for the companies they represent?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they have 24-hour customer assistance?
- Do they regularly work with personal auto policies in Chandler?
Car insurance 101
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Uninsured or underinsured coverage
This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Arizona drivers carry very low liability coverage limits (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits do not exceed the liability coverage limits.
Liability
Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/10 which stand for $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for things such as bail bonds, pain and suffering, legal defense fees, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but drivers should carry more liability than the minimum.
The next chart shows why low liability limits may not be adequate coverage.
Auto collision coverage
This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, colliding with a tree, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your C30 to get cheaper collision coverage.
Comprehensive protection
This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as damage from getting keyed, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for hospital visits, EMT expenses, funeral costs, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Persistent drivers can save
Budget-conscious Volvo C30 insurance can be bought online and from local agencies, so you need to shop Chandler auto insurance with both so you have a total pricing picture. There are still a few companies who do not offer price quotes online and usually these smaller providers work with local independent agencies.
We’ve covered a lot of tips how to shop for Volvo C30 insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Drivers may even discover the best rates are with a lesser-known regional company.
People who switch companies do it for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium and delays in paying claims. Whatever your reason, switching insurance companies is easier than you think.
How to find affordable quotes for Volvo C30 insurance in Chandler
It takes a little time, but the best way to find more affordable auto insurance rates in Chandler is to begin comparing prices regularly from companies who can sell car insurance in Arizona. Prices can be compared by completing these steps.
Step 1: Read and learn about policy coverages and the steps you can take to prevent rate increases. Many things that result in higher prices like at-fault accidents and an imperfect credit history can be amended by making small lifestyle or driving habit changes.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can provide prices from multiple companies. View prices
Step 3: Compare the new rate quotes to the premium of your current policy and determine if cheaper C30 coverage is available in Chandler. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your intention to cancel your current car insurance policy and submit a completed policy application and payment to the new insurer. Once the paperwork is finalized, keep your new certificate of insurance in an easily accessible location.
A key point to remember is to use similar limits and deductibles on every quote request and and to get prices from as many companies as you can. This helps ensure a fair price comparison and a better comparison of the market.
Much more information about insurance in Arizona can be read at these links:
- What is a Telematics Device? (Allstate)
- How Much is Car Insurance for Teenagers in Chandler? (FAQ)
- What Insurance is Cheapest for Homeowners in Chandler? (FAQ)
- Who Has the Cheapest Chandler Car Insurance Quotes for Electric Cars? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance Quotes for a Nissan Rogue? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Corolla in Chandler? (FAQ)
- Who Has Affordable Car Insurance Rates for Uninsured Drivers in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Ride Shares in Chandler? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)