For health professionals, one of the big factors that are looked at to help calculate insurance cost is where you call home in Chandler. Cities with larger populations or higher claim trends likely pay more, whereas areas with less congestion can boast about having cheaper rates.
The table below shows the most expensive places in Arizona for nurses in which to purchase auto insurance. Chandler is listed at #13 with an annual rate of $1,093 for coverage, which is around $91 monthly.
|3||San Tan Valley||$1,185|
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Rate information is estimated as vehicle location can change coverage rates substantially.
The vehicle requiring coverage is a large consideration when comparing quotes for low-priced car insurance for nurses. Vehicles with higher performance characteristics, a lack of modern safety features, or a history of substantial liability claims will cost significantly more to insure than safer models. The next table outlines auto insurance costs for a number of the most cost-effective vehicles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,348|
|Honda Accord EX 4-Dr Sedan||$1,354|
|Honda CR-V EX-L 2WD||$1,379|
|Toyota Tacoma 4WD||$1,513|
|Ford Edge Limited 2WD||$1,568|
|Chevrolet Silverado LS Regular Cab 2WD||$1,597|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,628|
|Chevrolet Malibu LT||$1,638|
|Ford Explorer XLT 2WD||$1,652|
|Toyota Camry SE||$1,683|
|Jeep Grand Cherokee SRT-8 4WD||$1,712|
|Nissan Altima Hybrid 4-Dr Sedan||$1,721|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,743|
|Chevrolet Equinox LS AWD||$1,748|
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can modify coverage prices noticeably.
Based upon these rates, models like the Ford Escape, Honda Accord, Honda CR-V, and Toyota Tacoma will be some of the cheaper vehicles to insure for health professionals.
Irresponsible driving raises your rates
One of the best ways to obtain the cheapest auto insurance rates for health professionals is to drive safely and maintain a clean driving record. The illustration below illustrates how violations and at-fault accidents can drive up car insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $1,474. Receive one speeding ticket and the average cost surges to $1,670, an increase of $196 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for nurses goes up to an average of $3,377. That’s an increase of $1,904, or $159 per month, just for not driving attentively!
The example below highlights how deductible choice can affect annual premium costs when quoting cheap insurance for nurses. The premiums are based on a married female driver, comp and collision included, and no discounts are applied.
In the chart above, a 30-year-old driver could pocket $322 a year by increasing from a $100 deductible up to a $500 deductible, or save $484 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, can cut up to $684 or even more just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it’s a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Ratings for Chandler auto insurance companies
Picking the highest-rated car insurance company is hard considering how many choices there are in Chandler. The company ratings listed below may help you choose which companies to look at shopping your coverage with.
The ratings below are only made up of large, nationwide insurance companies, so companies that may only write in Arizona are not taken into consideration for this list. To view rates from these companies and more, simply click here.
Top 10 Major Auto Insurers in Chandler Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Major Auto Insurers in Chandler Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Here’s why price comparisons are so important
Chandler, AZ auto insurance rates are based on many factors which can substantially change the price of your policy. Simply getting older, buying another vehicle, or getting a few speeding tickets may cause policy rate changes that can now make some companies more affordable than others. Not only may things change on your end, but companies change prices every year or even multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claims may cause more expensive premiums, while a profitable period may cause cheaper Chandler car insurance rates.
For instance, the graph below shows which company has the cheapest car insurance in Chandler, AZ for a 40-year-old male driver with a clean driving record, no accidents, and excellent credit. If we look at prices based on his current rating profile, The Hartford may offer the most affordable car insurance rates in Chandler at $1,062 each year. This is $366 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the list of the top five cheapest Chandler, AZ auto insurance companies.
Let’s now give the driver from the above example an accident surcharge, a lower credit rating, and a traffic citation. Because every insurance company has a different process for determining rates in each state, getting updated rate quotes most likely will result in a substantially altered list of companies as shown below.
Progressive now has the best price in Chandler with Ameriprise Group, CSAA, Auto-Owners, and Allied now being in the top five. This illustrates why drivers need to compare many different companies when trying to find the most affordable auto insurance quotes for nurses. Rates consist of many different factors and can decrease or increase without notice, so the lowest-price company three years ago may now be quite expensive.