If saving the most money is your goal, then the best way to save money on Mitsubishi Lancer insurance in Chandler is to start comparing rates regularly from different companies that insure vehicles in Arizona. You can compare prices by following these guidelines.
Step 1: Spend a few minutes and learn about what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that increase rates such as accidents, traffic tickets, and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while independent agencies can quote prices for many different companies.
Step 3: Compare the price quotes to your existing rates to see if cheaper Lancer coverage is available in Chandler. If you can save some money and make a switch, ensure coverage does not lapse between policies.
Step 4: Provide notification to your current company of your decision to cancel the current policy and submit payment and a signed application for your new coverage. Immediately upon receiving it, place your new certificate verifying coverage in a readily accessible location in your vehicle.
One piece of advice is to make sure you’re comparing identical deductibles and limits on every price quote and and to analyze as many companies as feasibly possible. This provides a fair price comparison and a thorough price selection.
It’s amazing but most insurance buyers have been with the same company for a minimum of four years, and approximately 38% of consumers have never compared rates to find lower-cost insurance. Consumers in Chandler can cut their rates by roughly $700 a year by just comparing quotes, but most undervalue the amount of money they would save if they switched to a more affordable policy.
Quoting and buying cheaper car insurance policy in Chandler is easy if you know what you’re doing. If you’re already insured or are looking for a new policy, you can use this information to find better prices without reducing protection. Smart buyers just need to know how to shop from many different companies.
Affordable rates by taking advantage of discounts
Companies don’t necessarily list every policy discount very well, so the list below contains a few of the more common as well as the least known credits available to lower your premiums when you buy Chandler car insurance online.
- Senior Citizens – Drivers over the age of 55 may be able to get a slight reduction on a Chandler car insurance quote.
- Renewal Discounts – Some insurance companies reward drivers for renewing your policy prior to your current Lancer insurance policy expiration. This discount can save up to 10%.
- Life Insurance Discount – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
- Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class as it can save substantially.
- Multi-car Discount – Drivers who insure multiple vehicles on one policy can get a discount for every vehicle.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
- Defensive Driver Discounts – Participating in a course in driver safety could cut 5% off your bill depending on where you live.
Remember that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
The example below shows the difference between Mitsubishi Lancer auto insurance costs with and without discounts applied. The data is based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, safe-driver, multi-car, and multi-policy discounts applied.
If you would like to choose from a list of auto insurance companies that offer discounts in Arizona, click here.
Most major insurance companies like Progressive, Allstate and GEICO provide prices for coverage from their websites. Getting Mitsubishi Lancer insurance prices online doesn’t take a lot of time as you simply enter your required coverages into a form. After the form is submitted, the system will obtain your driving and credit reports and returns pricing information determined by many factors.
Using the web to get price quotes for Mitsubishi Lancer insurance in Chandler helps simplify price comparisons, and it’s necessary to have as many quotes as possible if you are searching for lower-cost rates.
To get comparison pricing now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you copy the coverages identical to your current policy. Doing this assures you’re receiving a fair comparison for the exact same coverage.
The companies shown below are ready to provide price comparisons in Chandler, AZ. If you wish to find the best car insurance in Arizona, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Insurance coverage analysis
The information displayed below covers detailed analysis of insurance costs for Mitsubishi Lancer models. Knowing how auto insurance prices are established is important for you to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lancer DE | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Lancer ES | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Lancer GTS | $184 | $362 | $288 | $18 | $86 | $938 | $78 |
| Lancer Sportback GTS | $184 | $362 | $288 | $18 | $86 | $938 | $78 |
| Lancer RALLIART | $204 | $410 | $288 | $18 | $86 | $1,006 | $84 |
| Lancer Sportback Ralliart | $204 | $410 | $288 | $18 | $86 | $1,006 | $84 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can raise or lower auto insurance rates significantly.
Insurance premiums for males and females
The information below illustrates the comparison of Mitsubishi Lancer car insurance costs for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The information below illustrates the comparison of Mitsubishi Lancer car insurance costs when comparing full coverage to state minimum liability only. Data assumes no accidents, no driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive formula to eliminate full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your Mitsubishi Lancer settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying your policy deductible. If you are paying over $300 a year for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
When in doubt talk to an agent
When it comes to choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
For example, these questions can help discover whether or not you will benefit from professional help.
- Should I buy additional glass protection?
- When should I not file a claim?
- Is my nanny covered when driving my vehicle?
- Should I get collision insurance on every vehicle?
- Do I need motorclub coverage?
- Which companies are cheaper for teen drivers?
- Is my trailer covered?
- How long can I keep a teen driver on my policy?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Local Chandler car insurance agents
A lot of people would prefer to sit down and talk to an agent and that is a personal choice. Good agents can point out coverage gaps and help submit paperwork. A nice benefit of comparing insurance prices online is that you can obtain the best rates but also keep your business local. And supporting neighborhood insurance agencies is especially important in Chandler.
For easy comparison, once you complete this simple form, the coverage information is immediately sent to agents in your area that provide free Chandler car insurance quotes for your car insurance coverage. You won’t need to visit any agencies since price quotes are sent to you instantly. If for some reason you want to get a rate quote from one company in particular, just find their quoting web page to submit a rate quote request.
If you need to find a reputable agency, you should know the different agency structures that differ in how they can insure your vehicles. Agents may be either independent agents or exclusive agents. Either can write car insurance policies, but it’s good to learn how they differ because it may have an impact on the type of agent you choose.
Independent Agents
Agents in the independent channel are not restricted to one company and that allows them to write policies with an assortment of companies and find the cheapest car insurance rates. If you are not satisfied with one company, they simply move your policy to a different company which requires no work on your part.
When comparing car insurance rates, you need to contact a few independent agents to maximize your price options. Most have the option of insuring with lesser-known insurance companies which may provide better rates.
Below is a small list of independent agents in Chandler that may be able to give you competitive price quotes.
- Sunvalley Insurance (Agency)
4960 S Gilbert Rd #1 – Chandler, AZ 85249 – (480) 626-7218 – View Map - J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map - Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map
Exclusive Agents
Exclusive agents can only place business with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets. Some insured continue to use the same agent partially due to loyalty to the company instead of buying on price only.
Below are Chandler exclusive agents that can give you comparison quotes.
- Allstate Insurance: Robert Gallego
3175 S Price Rd Ste 142 – Chandler, AZ 85248 – (480) 820-0808 – View Map - Farmers Insurance – Joe Baselice
5355 W Chandler Blvd #8 – Chandler, AZ 85226 – (480) 940-0909 – View Map - State Farm: Randy Eller
7050 W Chandler Blvd – Chandler, AZ 85226 – (480) 961-4884 – View Map
Choosing an auto insurance agent requires more thought than just the quoted price. Get answers to these questions too.
- Are they primarily personal or commercial lines agents in Chandler?
- What is the agency’s Better Business Bureau rating?
- Do you qualify for any additional discounts?
- If you raise deductibles, how much can you save?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will you work with the agent or an assistant?
What is the best car insurance company in Arizona?
Ending up with a good quality car insurance provider is difficult considering how many different companies there are to choose from in Chandler. The information below may help you select which car insurance companies you want to consider purchasing from.
| 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
Compare but don’t skimp
You just learned a lot of techniques to reduce Mitsubishi Lancer insurance premium rates online in Chandler. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from the least-expected company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.
As you quote Chandler car insurance, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.
For more information, take a look at the articles below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- What Insurance is Cheapest for 19 Year Olds in Chandler? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Drivers Requiring a SR22 in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Chandler? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance for a Company Car? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)