If you want to save money, the best way to find low-cost prices for car insurance rates in Chandler is to regularly compare quotes from different companies who sell auto insurance in Arizona. You can compare prices by following these guidelines.
- Get an understanding of how auto insurance works and the measures you can take to prevent rate increases. Many rating criteria that increase rates such as high-risk driving behaviors and a not-so-good credit rating can be improved by improving your driving habits or financial responsibility. Keep reading for instructions to help reduce premium rates and find possible discounts that are available.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for a wide range of companies.
- Compare the quotes to your current policy premium to determine if you can save on VUE insurance. If you can save money, make sure there is no lapse in coverage.
- Notify your agent or company of your intention to cancel your current auto insurance policy and submit a completed application and payment to your new insurance company. Once coverage is bound, store the certificate verifying proof of insurance in your glove compartment.
A tip to remember is to try to compare the same level of coverage on each price quote and and to get rates from all possible companies. This helps ensure a level playing field and a complete rate analysis.
Unbelievably, the vast majority of auto insurance customers in Arizona have bought auto insurance from the same company for a minimum of four years, and nearly half have never compared quotes from other companies. Many consumers in the United States could save an average of $860 each year just by getting comparison quotes, but they assume it’s a waste of time to go online and compare rates.
If you have insurance now or need new coverage, you can learn to get lower rates without reducing protection. Finding the cheapest insurance coverage in Chandler is quite easy. Smart shoppers only have to learn the least time-consuming way to compare different rates over the internet.
The companies shown below are our best choices to provide price quotes in Arizona. If multiple companies are listed, we suggest you get price quotes from several of them to find the cheapest car insurance rates.
Coverage information
The coverage information displayed next outlines detailed analysis of coverage prices for Saturn VUE models. Being able to understand how insurance rates are determined can be useful when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Vue XE 2WD | $264 | $320 | $392 | $24 | $118 | $1,118 | $93 |
| Vue XR 2WD | $264 | $390 | $392 | $24 | $118 | $1,188 | $99 |
| Vue XR-L 2WD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| Vue XR AWD | $298 | $390 | $392 | $24 | $118 | $1,222 | $102 |
| Vue XR-L AWD | $298 | $460 | $392 | $24 | $118 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Chandler location which can affect premiums significantly.
Rate difference between full and liability-only coverage
The example below visualizes the comparison of Saturn VUE premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or claims, $100 deductibles, drivers are single, and no discounts are factored in.
When to drop full coverage
There is no written rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s assume your Saturn VUE replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after the deductible is paid. If you are currently paying more than $600 annually to have full coverage, then you may need to consider dropping full coverage.
There are some conditions where only buying liability is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Why you need quality insurance for your VUE
Even though Chandler VUE insurance rates can get expensive, maintaining insurance is required in Arizona but also provides important benefits.
First, almost all states have minimum mandated liability insurance limits which means state laws require a minimum amount 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.
Second, if your vehicle has a loan, it’s guaranteed your bank will stipulate that you buy insurance to guarantee loan repayment. If you default on your policy, the lender may insure your Saturn at an extremely high rate and force you to pay for the much more expensive policy.
Third, auto insurance protects both your Saturn VUE and your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will cover the repair costs.
The benefits of carrying adequate insurance outweigh the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver overpays more than $800 each year so you should quote rates once a year at a minimum to save money.
How do Insurance Providers Determine Saturn VUE Insurance Premiums?
The best way to find cheaper car insurance is to take a look at the rating factors that are used to determine your policy premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that will entitle you to cheaper rates.
The list below includes a few of the “ingredients” used by companies to determine prices.
If you don’t need it don’t buy it – Policies have add-on coverages that can waste your money if you don’t pay attention. Coverage for things like rental car reimbursement, towing, and extra equipment coverage are probably not needed. They may seem like a good idea when deciding what coverages you need, but your needs may have changed so get rid of them and save.
Rates also based on gender – Over time, data shows women tend to be less risk to insure than men. However, this does not mean males are worse at driving than females. Both sexes get in auto accidents in similar numbers, but guys tend to have higher claims. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
The information below shows the comparison of Saturn VUE yearly insurance costs for male and female drivers. The costs are based on no claims or driving citations, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.
Limits of liability – The liability section of your policy kicks in if you are found liable for damages from an accident. It provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so buy as much as you can afford.
High credit scores equal low costs – Having a good credit score is a big factor in determining premium rates. If your credit score could use some work, you could pay less to insure your Saturn VUE by improving your credit score. Drivers with very good credit scores tend to file fewer claims than drivers who have poor credit scores.
Affordable insurance premiums are possible
As you quote Chandler auto insurance, never skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice collision coverage only to regret at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.
Lower-priced insurance in Chandler is attainable online as well as from independent agents in Chandler, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and many times these regional carriers only sell coverage through independent insurance agencies.
Other learning opportunities
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Hybrid Vehicles in Chandler? (FAQ)
- What Car Insurance is Cheapest for a Kia Forte in Chandler? (FAQ)
- What Auto Insurance is Cheapest for a Toyota Corolla in Chandler? (FAQ)
- How Much is Car Insurance for a Toyota Tacoma in Chandler? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)