If you want to save money, the best way to get low-cost Infiniti FX50 insurance in Chandler is to annually compare prices from different companies who provide auto insurance in Arizona. Drivers can shop around by following these steps.
First, try to learn about how companies set rates and the things you can change to keep rates low. Many factors that result in higher prices like traffic violations, accidents, and an imperfect credit history can be amended by making small lifestyle or driving habit changes.
Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can quote rates from many different companies.
Third, compare the quotes to the price on your current policy and see if you can save money. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
An essential thing to point out is that you’ll want to make sure you compare similar deductibles and liability limits on every quote request and and to get rates from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a good representation of prices.
It’s safe to assume that insurance companies want to keep you from comparing rates. Drivers who compare price quotes are likely to buy a different policy because they have a good chance of finding a lower-cost company. A recent insurance study discovered that people who made a habit of comparing rate quotes saved approximately $850 each year compared to those who never shopped around for cheaper prices.
If finding the cheapest price for auto insurance is your objective, then having a grasp of how to choose a company and compare insurance rates can save time, money, and frustration.
When price shopping your coverage, more quotes helps improve the odds of finding a lower rate. Not every company provides rate quotes online, so it’s important to compare prices from them, too.
The companies shown below are ready to provide quotes in Chandler, AZ. To find the best cheap car insurance in Arizona, we recommend you compare several of them to get the best price comparison.
You may qualify for discounts for Infiniti FX50 insurance in Chandler
Companies that sell car insurance don’t always publicize their entire list of discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden credits that may apply to you.
- Discount for Home Ownership – Being a homeowner may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
- More Vehicles More Savings – Insuring primary and secondary vehicles with the same car insurance company may reduce the rate for each vehicle.
- Telematics Devices – People who choose to allow their car insurance company to track driving patterns by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
- Paper-free Discount – A few companies will provide an incentive for signing up on their website.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings as much as 30%.
- Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
- Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
- Senior Citizens – Older drivers can get a slight reduction on a Chandler auto insurance quote.
- No Charge for an Accident – This one is not really a discount per se, but companies like Allstate, Progressive, and GEICO will forgive one accident without raising rates if you are claim-free for a set time period.
Don’t be surprised that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren’t that generous. Any amount of discount will positively reduce your policy cost.
The diagram below visualizes the comparison of Infiniti FX50 insurance prices with and without discounts applied. The premiums are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, multi-car, and homeowner discounts applied.
Companies and their offered discounts are shown below.
- GEICO offers premium reductions for five-year accident-free, daytime running lights, air bags, emergency military deployment, military active duty, and federal employee.
- Mercury Insurance may offer discounts for good driver, annual mileage, anti-theft, multi-policy, professional/association, good student, and low natural disaster claims.
- Farmers Insurance may have discounts that include business and professional, youthful driver, switch companies, electronic funds transfer, and distant student.
- Auto-Owners Insurance has savings for teen driver, paperless, mature driver, multiple vehicles, multi-policy, paid in full, and good student.
- Liberty Mutual has discounts for hybrid vehicle, teen driver discount, safety features, exclusive group savings, multi-car, newly retired, and newly married.
- SAFECO includes discounts for teen safety rewards, anti-lock brakes, accident prevention training, multi-car, drive less, bundle discounts, and teen safe driver.
- Progressive may include discounts for online quote discount, homeowner, continuous coverage, good student, multi-policy, and online signing.
- USAA offers discounts for safe driver, loyalty savings, annual mileage, vehicle storage, defensive driver, multi-policy, and new vehicle.
When quoting, ask all companies you are considering to apply every possible discount. Savings might not be available to policyholders in Chandler. If you would like to choose from a list of insurance companies with discount rates in Chandler, click this link.
Rate information and statistics
The table shown below showcases different coverage prices for Infiniti FX50 models. Having a good understanding how premiums are established is important for drivers to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX50 AWD 4-Dr | $308 | $700 | $314 | $18 | $94 | $1,434 | $120 |
| FX50 Sport AWD 4-Dr | $336 | $782 | $314 | $18 | $94 | $1,544 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can change premiums greatly.
Comparison of policy deductibles
One frequently asked question is how high should your deductibles be. The following tables highlight the rate difference of buying low and high insurance deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX50 AWD 4-Dr | $358 | $716 | $300 | $18 | $90 | $1,507 | $126 |
| FX50 Sport AWD 4-Dr | $390 | $798 | $300 | $18 | $90 | $1,621 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| FX50 AWD 4-Dr | $262 | $484 | $300 | $18 | $90 | $1,154 | $96 |
| FX50 Sport AWD 4-Dr | $286 | $540 | $300 | $18 | $90 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can influence auto insurance rates significantly.
Using the data above, we can ascertain that using a $100 deductible will cost you about $31 more each month or $372 for a full year than choosing the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claims, you would come out ahead by going with a higher deductible.
The illustration below shows how choosing a deductible and can increase or decrease Infiniti FX50 annual premium costs for different ages of insureds. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Full coverage versus liability only rates
The illustration below compares Infiniti FX50 insurance premiums with full physical damage coverage and with liability coverage only. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no set guideline for excluding comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Infiniti FX50 settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premium cost is more than $200 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Reduce Insurance Rates with These Tips
Lots of factors are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, although some other factors are less apparent like where you live and annual miles driven. The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to better insurance rates.
The itemized list below are some of the most common factors used by companies to determine your rate level.
Cheaper prices using alarms and GPS tracking – Buying a car with a theft deterrent system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.
Liability protection limits are a factor – Your policy’s liability coverage will provide protection in the event that you are ruled to be at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
Raise comp and collision deductibles and save – Deductibles for physical damage state the amount of money you are willing to pay if the claim is covered. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims would be colliding with a stationary object, fire damage, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be.
If you don’t need it don’t buy it – There are quite a few additional coverages that may not really be needed if you aren’t careful. Things like coverage for rental cars, death and dismemberment, and membership fees could be just wasting money. These may sound like a good investment when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
Single drivers take more risk – Getting married may cut your premiums on insurance. Having a spouse generally demonstrates drivers are more mature than a single person it has been statistically shown that drivers who are married file infrequent claims.
Experienced drivers pay less – Teenage drivers in Arizona tend to be inattentive with other occupants in the car therefore insurance rates are much higher. Mature drivers are more responsible, file fewer claims, and usually have better credit.
The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Too many claims and you’ll pay more – Companies in Arizona generally give better rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended for claims that pose a financial burden.
Do I need an insurance agent?
Some people just prefer to visit with an insurance agent and we recommend doing that One of the benefits of comparing insurance online is the fact that drivers can get lower premium rates and still choose a local agent. Putting coverage with local insurance agencies is important especially in Chandler.
Once you complete this short form, the quote information is transmitted to insurance agents in Chandler who will return price quotes to get your business. You never need to drive around because prices are sent to the email address you provide. You can most likely find cheaper rates without having to waste a lot of time. If you have a need to get a price quote from a specific insurance provider, don’t hesitate to jump over to their website and give them your coverage information.
The difference between Chandler auto insurance agents
If you are wanting to purchase insurance from a reputable insurance agent or broker, there are a couple of different types of agencies from which to choose. Insurance agencies are considered either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
These agents are not employed by any specific company and that gives them the ability to insure with lots of companies and find the cheapest rate. If you are not satisfied with one company, they simply move your policy to a different company without you having to go to a different agency. When comparing insurance rates, you need to compare prices from at a minimum one independent agency to maximize your price options. Most can insure with smaller regional carriers which could offer lower prices.
Listed below are Chandler independent insurance agents that may be able to give free insurance quotes.
- J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map - Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408 – View Map - Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 – View Map
Exclusive Agencies
Exclusive agencies can only write with one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are trained well on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from the same agent for years mostly because of the prominence of the brand and strong financial ratings.
The following are Chandler exclusive insurance agencies that are able to give comparison quotes.
- Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100 – View Map - Farmers Insurance – Michael Van Oostendorp
4025 W Chandler Blvd #4 – Chandler, AZ 85226 – (480) 899-0898 – View Map - State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map
Finding the right insurance agency should include more criteria than just a cheap price. These are some questions your agent should answer.
- Does the agent have a valid license to sell insurance in Arizona?
- Do they regularly work with personal auto policies in Chandler?
- Is there any savings for paying the full premium?
- Will the agent help in case of a claim?
- How long have they been in business?
- Which companies do they recommend if they are an independent agency?
Upon receiving acceptable answers to any questions you may have and an acceptable price quote, most likely you have located an insurance agency that is reputable and can provide insurance coverage. Keep in mind policyholders can cancel coverage any time you want so don’t assume that you’re stuck with your new company with no way out.
How to know if you need help
Keep in mind that when it comes to choosing your policy, there is no cookie cutter policy. Everyone’s situation is a little different.
Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.
- Does my medical payments coverage pay my health insurance deductible?
- Do I need PIP coverage since I have good health insurance?
- When should I have rental car coverage?
- How can I get high-risk coverage after a DUI?
- Do they offer discounts for home and auto coverage?
- If my Infiniti FX50 is totaled, can I afford another vehicle?
- Am I covered when using my vehicle for business?
- Why am I required to buy liability insurance?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Lower rates by being persistent
We covered a lot of tips how to get a better price on Infiniti FX50 insurance in Chandler. The most important thing to understand is the more you quote Chandler auto insurance, the better chance you’ll have of finding affordable Infiniti FX50 insurance quotes. You may even discover the lowest car insurance rates are with a lesser-known regional company.
As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. The goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.
People leave their current company for any number of reasons including lack of trust in their agent, unfair underwriting practices, high rates after DUI convictions and even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
Additional insurance information is available at these links:
- Winter Driving (Insurance Information Institute)
- Who Has the Cheapest Chandler Auto Insurance for a Ford Explorer? (FAQ)
- How Much is Chandler Auto Insurance for 17 Year Olds? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in Chandler? (FAQ)
- How Much are Car Insurance Rates for Drivers with a Bad Driving Record in Chandler? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 16 Year Olds in Chandler? (FAQ)
- What Car Insurance is Cheapest for Good Students in Chandler? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Car Insurance FAQ (Trusted Choice)
- What Does No-Fault Insurance Cover? (Allstate)