You have surely seen all the ads from companies like State Farm and Farmers that make promises of huge savings. So drivers just need to pick one at random, right?
Unfortunately, it’s just not that easy, as there are a whole bunch of unknowns such as the number of miles you drive each year, whether you are male or female, and your credit rating, that all have an effect on the price of a policy. The content below will cover the best ways to save on auto insurance and will hopefully give you a good beginning to your quest for cheaper car insurance in Arizona.
The vehicle model you are trying to insure is one of the largest factors in finding low-priced insurance for felons. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost more to insure than more modest models. The next table features coverage rates for some of the most cost-effective vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,220|
|Ford Escape XLS 4WD||$1,337|
|Honda CR-V LX 4WD||$1,346|
|Ford Edge SEL 2WD||$1,417|
|Toyota Camry LE||$1,444|
|Volkswagen Jetta LE 4-Dr Sedan||$1,452|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,494|
|Ford F-150 STX Super Cab 4WD||$1,527|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,549|
|Nissan Altima Hybrid 4-Dr Sedan||$1,557|
|Honda Odyssey EX W/Rear Entertainment||$1,551|
|Dodge Grand Caravan SE||$1,554|
|Chevrolet Impala LS||$1,594|
|Toyota RAV4 Limited 4WD||$1,629|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can raise or lower coverage rates noticeably.
Based on these rates, you can infer that makes and models like the Honda Accord, Ford Escape, and Honda CR-V are most likely going to be some of the most affordable vehicles to insure for felons.
Finding decent, affordable auto insurance is easier said than done, and determining which companies quote the most affordable auto insurance rates for felons requires more quotes for comparison.
Every auto insurer uses slightly different criteria to determine rates, so first let’s look at the rankings for the most affordable auto insurance companies in Chandler, AZ. It’s a good idea to know that Arizona auto insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Improving your financial situation, getting divorced, or having an accident may cause policy rate changes that can make some companies cheaper than competitors.
Cheap Insurance Rates for Felons
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford has some of the best car insurance rates in Chandler at around $836 each year. This is $592 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the cheaper Chandler, AZ auto insurance companies.
In the rate table above, if you currently have a policy with Safeco and switched to The Hartford, you might achieve a yearly price reduction of about $69. Arizona drivers with USAA might save as much as $244 a year, and Travelers policyholders might reduce rates by $283 a year.
To see if your current coverage is too expensive, click here to start your free quote or visit any of the low-priced companies below.
Bear in mind that those estimates are averages across all ages of drivers and types of vehicles and do not factor in an exact zip code location for felons. So the car insurance company that fits your needs best may not even be in the top 28 companies shown above. That is why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
Liability only or full coverage
Paying a lower price for auto insurance is probably important to most vehicle owners, and an effective way to save on the cost of insurance for felons is to only buy liability coverage. The chart below visualizes the comparison of car insurance rates with and without physical damage coverage. The premiums are based on no claims or driving violations, $1,000 deductibles, single marital status, and no discounts are applied.
On average, full coverage on your policy costs an additional $1,681 per year over having just liability coverage. That may make you wonder if full coverage is worth the money. There is no clear-cut rule for phasing out physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
There are some situations where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
The information below demonstrates how deductibles can raise or lower yearly insurance costs when trying to find cheap insurance for felons. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
A 40-year-old driver could lower their car insurance rates by $244 a year by switching from a $100 deductible up to a $500 deductible, or save $370 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, could lower their rates as much as $808 or even more by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Choosing the top car insurance company is difficult considering how many choices you have in Arizona. The company rank data in the lists below could help you select which companies you want to consider comparing rate quotes with. These ratings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Arizona are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Providers in Chandler Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Providers 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%
Don’t make the mistake of not shopping around
Chandler, AZ auto insurance rates are based on many factors which can substantially decrease or increase the price you pay for coverage. Simply getting older, increasing liability limits, or getting into an accident can trigger changes in premium that can make some companies more affordable than before.
Not only may your situation change, but auto insurance companies amend premium rates as needed in order to be able to pay unexpected claims. An extended period of higher than normal claims can cause high rates, while lower claim expenses can result in lower-cost Chandler car insurance rates.
To illustrate this point, the graph below shows the company with the cheapest car insurance in Chandler, AZ for a 30-year-old female driver with no accidents or violations, and good financial standing. When comparing rates based on her current rating profile, The Hartford may offer the cheapest car insurance rates in Chandler at $1,010 per year. This is $418 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are also included in the best Chandler, AZ auto insurance companies.
Now let’s give the driver from the above example some claims, slightly worse credit, and a stop sign violation. Due to the fact that every auto insurer has a different formula for setting rates, comparing prices may now present a slightly different list of the cheapest Chandler car insurance companies as shown below.
GEICO now has the best price in Chandler, AZ with Allied, Ameriprise Group, Safeco, and CSAA also having competitive pricing. This demonstrates why Chandler drivers need to compare as many rates as possible to get cheap insurance rates for felons.
Prices are calculated by many things and can change without notice, so the lowest-price company the last time you shopped around may now be priced much higher than other options.