Trying to find the cheapest insurance rates in Chandler, AZ? Chandler buyers have many options when searching for affordable Chevy Corvette insurance. They can either waste time driving around to compare prices or utilize the internet to find the lowest rates. There are both good and bad ways to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Chevy and obtain the best price possible either online or from Chandler insurance agents.
It’s a good idea to get comparison quotes quite often since rates are variable and change quite frequently. If you had the lowest rate on Chevy Corvette insurance in Chandler a couple years back you may be paying too much now. You can search a lot of Corvette insurance on the web, but in just a couple of minutes you can learn some tested techniques to put money back in your pocket.
Compare Chevy Corvette insurance rates
The companies in the list below are our best choices to provide free rate quotes in Chandler, AZ. To get cheap auto insurance in Chandler, we suggest you visit several of them in order to get a fair rate comparison.
Coverage statistics and figures
The rate information shown next showcases detailed analysis of insurance rates for Chevy Corvette models. Being more informed about how rate quotes are formulated can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corvette 2-Dr Coupe | $248 | $498 | $186 | $12 | $56 | $1,000 | $83 |
| Corvette GS 2-Dr Coupe | $294 | $556 | $186 | $12 | $56 | $1,104 | $92 |
| Corvette 2-Dr Convertible | $294 | $556 | $240 | $14 | $72 | $1,176 | $98 |
| Corvette GS 2-Dr Convertible | $316 | $612 | $240 | $14 | $72 | $1,254 | $105 |
| Corvette Z06 2-Dr Coupe | $316 | $612 | $186 | $12 | $56 | $1,182 | $99 |
| Corvette ZR1 2-Dr Coupe | $408 | $844 | $186 | $12 | $56 | $1,506 | $126 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in specific garaging location which can revise insurance rates considerably.
An analysis of deductible level
One of the most common insurance questions is which comprehensive and collision deductibles to buy. The premium rates below can help illustrate how much more rates are when you select higher and lower physical damage coverage deductibles. The first table uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corvette 2-Dr Coupe | $358 | $716 | $198 | $12 | $60 | $1,369 | $114 |
| Corvette GS 2-Dr Coupe | $424 | $798 | $198 | $12 | $60 | $1,517 | $126 |
| Corvette 2-Dr Convertible | $424 | $798 | $254 | $16 | $76 | $1,593 | $133 |
| Corvette GS 2-Dr Convertible | $458 | $882 | $254 | $16 | $76 | $1,711 | $143 |
| Corvette Z06 2-Dr Coupe | $458 | $882 | $198 | $12 | $60 | $1,635 | $136 |
| Corvette ZR1 2-Dr Coupe | $590 | $1214 | $198 | $12 | $60 | $2,099 | $175 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corvette 2-Dr Coupe | $262 | $484 | $198 | $12 | $60 | $1,016 | $85 |
| Corvette GS 2-Dr Coupe | $310 | $540 | $198 | $12 | $60 | $1,120 | $93 |
| Corvette 2-Dr Convertible | $310 | $540 | $254 | $16 | $76 | $1,196 | $100 |
| Corvette GS 2-Dr Convertible | $334 | $596 | $254 | $16 | $76 | $1,276 | $106 |
| Corvette Z06 2-Dr Coupe | $334 | $596 | $198 | $12 | $60 | $1,200 | $100 |
| Corvette ZR1 2-Dr Coupe | $430 | $820 | $198 | $12 | $60 | $1,520 | $127 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can alter prices substantially.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $36 more each month or $432 each year than selecting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 11 months between claims, you would probably be better off if you decide on a higher deductible.
The chart below highlights how deductible choice and can raise or lower Chevy Corvette insurance premiums for different age groups of insureds. The premiums assume a married female driver, comp and collision included, and no discounts are applied to the premium.
Car insurance discounts are available to cut your rates
Companies that sell car insurance don’t always list the entire discount list very well, so the following is a list of some of the more common and the more hidden car insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.
- No Charge for an Accident – This one isn’t a discount, but certain companies will allow you to have one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
- Early Payment Discounts – By making one initial payment instead of paying each month you could save 5% or more.
- Federal Employees – Simply working for the federal government could cut as much as 10% off depending on your company.
- Anti-lock Brakes – Cars and trucks with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
- Fewer Miles Equal More Savings – Low annual miles may allow you to get substantially lower premium rates.
- Theft Prevention System – Cars and trucks that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Paperless Signup – A few larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Claim Free – Insureds with no claims or accidents can earn big discounts when compared with drivers with a long claim history.
- Onboard Data Collection – Drivers who elect to allow companies to study driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
One last thing about discounts, many deductions do not apply to the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that you could get a free car insurance policy, company stockholders wouldn’t be very happy.
The chart below compares Chevy Corvette insurance costs with and without discounts applied. The data is based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, multi-policy, claim-free, and homeowner discounts applied.
To choose car insurance companies with significant discounts in Chandler, click here to view.
Why you need insurance
Even though it can be expensive, paying for insurance is most likely required but also gives you several important benefits.
First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability if you drive a vehicle. 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 Chevy Corvette has a lienholder, more than likely the lender will stipulate that you have insurance to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Chevy at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
Third, insurance safeguards not only your Chevy Corvette but also your financial assets. It will also cover medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying enough insurance are definitely more than the cost, especially if you ever need it. The average driver in America is currently overpaying as much as $865 each year so compare rate quotes at every renewal to ensure rates are inline.
How to find a good Chandler auto insurance company
Ending up with a high-quality insurance company can be rather challenging considering how many companies sell coverage in Arizona. The ranking data shown below can help you select which car insurance companies you want to consider to insure your vehicles.
Top 10 Chandler Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Chandler Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Compare rate quotes but still have a local Chandler insurance agency
A lot of people just prefer to get advice from a local agent and that is recommended in a lot of cases Good agents can help determine the best coverages and will help you if you have claims. The best thing about price shopping on the web is that you can obtain lower rates and still choose a local agent.
After completing this simple form, the coverage information is transmitted to insurance agents in Chandler who will give you quotes for your business. You won’t even need to search for any insurance agencies since rate quotes are delivered straight to your inbox. In the event you want to compare prices from a specific insurance company, you just need to jump over to their website and fill out their quote form.
Choosing the best company should include more criteria than just a cheap quote. Some important questions to ask are:
- Will the quote change when the policy is issued?
- Are they able to provide referrals?
- Which companies do they recommend if they are an independent agency?
- Is the agency covered by Errors and Omissions coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- How does the company pay claims for a total loss?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Not all car insurance agents are the same
If you would like to find a reputable insurance agent or broker, you need to know there are two types of agencies that you can choose from. Agents can be classified as either independent or exclusive. Either one can insure your vehicles, but it’s worth mentioning why they differ because it can impact the selection process.
Exclusive Agents
Agents of this type can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agents are very knowledgeable on what they offer which helps them sell on service rather than price. Many people use the same exclusive agent primarily because of high brand loyalty instead of buying on price only.
The following are exclusive agencies in Chandler who may provide you with price quotes.
- Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100 – View Map - Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632 – View Map - Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763 – View Map
Independent Agents (or Brokers)
Independent agencies can quote rates with many companies so they can insure your vehicles through lots of different companies and get you the best rates possible. If they quote lower rates, they can switch companies in-house and you don’t have to do anything.
If you are comparing rate quotes, we recommend you check rates from at least one independent agent in order to have the best price comparison. Many write coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
The following is a list of independent agents in Chandler who can help you get rate quotes.
- Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map - San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map - Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050 – View Map