Unbelievable but true, a large majority of drivers kept their coverage with the same auto insurance company for four years or more, and almost 40% of drivers have never quoted auto insurance rates at all. Chandler consumers could save up to $733 a year just by shopping around, but they underestimate the amount of savings they would get if they replace their high priced policy.
The easiest way to find low-cost Subaru Tribeca insurance is to compare quotes annually from providers in Chandler.
- Take a few minutes and learn about how companies set rates and the modifications you can make to keep rates down. Many factors that result in higher rates like multiple speeding tickets and an imperfect credit history can be remedied by improving your driving habits or financial responsibility.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agents can provide prices for a wide range of companies.
- Compare the new rates to your existing rates to see if you can save by switching companies. If you can save money, ensure coverage does not lapse between policies.
- Give notification to your agent or company of your decision to cancel your existing policy. Submit a completed policy application and payment to your new agent or company. Don’t forget to keep the new certificate verifying coverage in an easily accessible location.
An essential thing to point out is to use similar limits and deductibles on every quote and and to get quotes from every insurance company. Doing this ensures a fair rate comparison and and a good selection of different prices.
Reducing your Subaru Tribeca insurance rates is actually easier than you may think. The only requirement is to spend a few minutes on the computer comparing rate quotes provided by online insurance companies.
The providers in the list below can provide free rate quotes in Arizona. To buy the best auto insurance in Chandler, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Analysis of Subaru Tribeca rates
The coverage table shown below highlights estimates of insurance rates for Subaru Tribeca models. Having a good understanding how insurance quotes are calculated can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribeca 3.6R Limited | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Tribeca 3.6R Premium | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Tribeca 3.6R Touring | $360 | $676 | $404 | $24 | $122 | $1,586 | $132 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Information does not factor in vehicle garaging location which can change auto insurance rates considerably.
Higher deductibles save money
One frequently asked question is how high should the physical damage deductibles be. The comparisons below determine how much more you’ll pay between low and high physical damage deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribeca 3.6R Limited | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Tribeca 3.6R Premium | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Tribeca 3.6R Touring | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tribeca 3.6R Limited | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Tribeca 3.6R Premium | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Tribeca 3.6R Touring | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can modify rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible costs an average of $13 more each month or $156 every year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claim filings, you would probably come out ahead if you elect the higher deductible. The table below shows a better example of how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One big caveat is that raising deductibles results in more money out-of-pocket when you have a comprehensive or collision claim. You must have enough extra savings in the event you need to pay more for the deductible.
It’s not one size fits all
When selecting your policy for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply.
These are some specific questions may help you determine whether or not you might need professional guidance.
- Should I buy only the required Arizona minimum liability coverage?
- Does my policy cover me when driving someone else’s vehicle?
- What if a claim settlement is too low?
- If I use my vehicle for business use is it covered?
- What are the liability requirements in my state?
- I don’t drive much so do I pay less?
- Why does it cost so much to insure a teen driver in Chandler?
- Do I need higher collision deductibles?
- Do I need replacement cost coverage?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Comparing quotes from local Chandler auto insurance agents
Some people would prefer to have an agent’s advice. Agents will help you protect your assets and give you someone to call. One of the great benefits of comparing rate quotes online is the fact that you can find lower rates but also keep your business local.
To help locate an agent, after submitting this simple form, your insurance data is transmitted to companies in Chandler who want to provide quotes to get your business. It’s much easier because you don’t need to contact any insurance agencies as quotes are delivered to your email. If you want to quote rates from a specific insurance company, you can always jump over to their website and complete a quote there.
Picking a company is decision based upon more than just a cheap price. Any agent in Chandler should be willing to answer these questions.
- Can they provide you with a list of referrals?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- Which company do they place the most coverage with?
- Are there any discounts that you might be missing?
- Is assistance available after office hours?
- If your car is in the repair shop, do you have coverage for a rental car?
Insurance agent types
When narrowing the list to find a reputable agency, it’s helpful to know the different types of agents and how they can write your policy. Chandler agents can either be exclusive agents or independent agents. Either one can properly insure your vehicles, but it’s worth learning the subtle differences since it can impact buying decisions.
Exclusive Car Insurance Agencies
Agents of this type can only write with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive insurance agents are highly trained on their company’s products which helps them sell insurance even at higher premiums. Some people will only use the same agent mainly due to the brand name rather than having the cheapest rates.
The following is a short list of exclusive agencies in Chandler who may provide you with comparison quotes.
- Farmers Insurance: John D Donadio Insurance Agency
1727 N Arizona Ave #9 – Chandler, AZ 85225 – (480) 382-1570 – View Map - State Farm: Grady Hansen
1807 E Queen Creek Rd #1 – Chandler, AZ 85286 – (480) 883-7997 – View Map - Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14 – Chandler, AZ 85248 – (480) 666-7996 – View Map
Independent Insurance Agents
Agents in the independent channel are not required to write business for one company and that is an advantage because they can write policies amongst many companies and find the cheapest car insurance rates. To transfer your coverage to a different company, the business is moved internally which makes it simple for you.
If you are comparing car insurance prices, you will want to compare quotes from a few independent agents to ensure the widest selection of prices. A lot of them also have access to small mutual carriers that may provide cheaper car insurance rates.
Below are independent agents in Chandler that can give you price quotes.
- Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050 – View Map - Allied Insurance Group
2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222 – View Map - Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map
If you get acceptable answers to all your questions and an acceptable price quote, it’s possible that you found an auto insurance agent that is reliable enough to adequately provide car insurance. It’s important to know that you are entitled to cancel a policy for any reason so don’t feel that you’re stuck with any specific company for the full term.