One of the many components that are looked at to help calculate insurance cost is where you live in Chandler. More densely populated places will most likely pay more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.
The information below shows the highest-priced places in Arizona for drivers with good credit in which to purchase auto insurance. Chandler comes in at #13 with a yearly premium of $1,082 on average, which is approximately $90 per month.
|2||San Tan Valley||$1,196|
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Information shown are approximated as zip code location can raise or lower insurance rates significantly.
Deciphering which companies quote the cheapest insurance rates for drivers with good credit will require a bit more work in order to find the best price.
Each insurance company has a unique formula to set premium rates, so let’s take a look at the insurance companies that tend to have lower prices in Chandler, AZ. It’s a good idea to know that Arizona insurance rates are impacted by many things that may substantially change the cost of coverage. Turning one year older, having a claim, or getting into an accident can produce rate changes that can cause some rates to be affordable when they were higher priced.
Find Cheaper Car Insurance for High Credit
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford offers some of the best car insurance rates in Chandler at around $820 per year. This is $608 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the cheaper Chandler, AZ car insurance companies.
As shown above, if you have coverage with Safeco and switched to The Hartford, you might realize savings of upwards of $112. Drivers with Travelers might save as much as $255 a year, and USAA customers might realize rate reductions of up to $260 a year.
Bear in mind that those rates are averaged for all types of insureds and vehicles and and are not figured with an exact location for drivers with good credit. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
The car, truck, or SUV needing coverage is one of the largest factors that determines whether or not you find low-cost coverage for drivers with good credit. Vehicles with higher performance, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models. The next list showcases car insurance premiums for a number of the most budget-friendly vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,348|
|Ford Escape XLT 4WD||$1,379|
|Ford Focus S 4-Dr Sedan||$1,568|
|Ford Fusion S 4-Dr Sedan||$1,599|
|Chevrolet Malibu LS||$1,607|
|Jeep Grand Cherokee Laredo 2WD||$1,599|
|Volkswagen Jetta S 2.5 Station Wagon||$1,604|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,628|
|Ford Edge Sport AWD||$1,683|
|Ford Explorer XLT 2WD||$1,714|
|Nissan Rogue S 2WD||$1,719|
|Ford F-150 Lariat King Ranch 4WD||$1,743|
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can impact coverage rates substantially.
Based upon the rates shown, we can conclude that makes and models like the Honda CR-V, Ford Escape, and Toyota Prius are going to be the less-costly vehicles to insure for financially responsible drivers.
The chart below illustrates how your choice of deductibles can increase or decrease annual premium costs when searching for cheap insurance for drivers with good credit. The data assumes a single female driver, comp and collision included, and no other discounts are factored in.
The data above shows that a 40-year-old driver could lower rates by $236 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $358 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, can save as much as $602 annually just by choosing higher deductibles.
When increasing deductibles, it will be required to have additional savings on hand to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Get discounts on Chandler insurance
Insurers that sell policies for drivers with good credit could also offer rate discounts that can reduce rates by as much as 35% if you meet specific criteria. Large insurance companies and some of their more popular discounts can be read below.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, good driver, defensive driving training, driver’s education, and accident-free.
- Esurance has discounts for online shopper, online quote, good driver, anti-theft, Pac-12 alumni, DriveSense, and Switch & Save.
- Progressive offers discounts for homeowner, multi-vehicle, online quote discount, continuous coverage, online signing, and multi-policy.
- Liberty Mutual may offer discounts for exclusive group savings, multi-car, safety features, new vehicle discount, new move discount, newly retired, and good student.
- Auto-Owners Insurance may have discounts that include safe vehicle, good student, anti-theft, safe driver, paperless, paid in full, and multi-policy.
- GEICO may include discounts for anti-theft, federal employee, air bags, defensive driver, five-year accident-free, and military active duty.
The illustration below visualizes the comparison of auto insurance rates with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, vehicle safety, accident-free, multiple policy, claim-free, and passive restraint discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for drivers with good credit is 27% or $449.
Are you paying too much for car insurance in Chandler?
Chandler insurance rates are determined by lots of factors which can substantially change the price of coverage. Simply having a birthday, filing a claim, or getting a DUI may prompt premium changes that can now make some companies cheaper than before. Additionally, car insurance companies change the rates they charge in Arizona every year or even multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claims can cause more expensive prices, while a profitable period may produce cheaper Chandler car insurance rates.
To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in Chandler, AZ for a 35-year-old male driver with no violations or accidents, and great credit. If we look at prices based on his current situation, The Hartford has the lowest car insurance rates in Chandler at $1,105 each year. This is $323 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive round out the rest of the top five cheapest Chandler, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable accident, slightly worse credit, and a stop sign violation. Since every insurance provider uses their own calculation to determining premium rates, comparing quotes may result in a slightly different list of the cheapest Chandler car insurance companies as shown below.
GEICO now has the cheapest car insurance in Chandler with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual now rounding out the top five. This example illustrates why it is critical to take the time to shop around to find the lowest car insurance rates for drivers with good credit.
Prices are determined by many risk factors and can change without notice, so the lowest-price company when you last compared rates may now be quite expensive.
If you like to have the advice of a professional agent when shopping for cheaper insurance for drivers with good credit, the agencies below can probably aid you in deciding which coverages and limits you need.
To locate a Chandler insurance agent nearest to you, click the button below the list or click here to compare price quotes.
State Farm: Grady Hansen
1807 E Queen Creek Rd #1 – Chandler, AZ 85286 – (480) 883-7997
Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797
Allstate Insurance: Jason Tuttle
985 W Chandler Heights Rd #3 – Chandler, AZ 85248 – (480) 477-7511
How to find cheaper car insurance for drivers with good credit
It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help you get cheap coverage.
- Better credit scores save money
- Vehicles with safetly features generally cost less to insure
- Accident-free drivers may qualify for discounts
- Save money by bundling your home and auto policies
- Full coverage may not be needed on older vehicles
- Check for cheaper rates once a year
That last tip is highly important, as we discussed in this piece. Rates in Chandler can change considerably in a year, so drivers shouldn’t be reluctant to change insurance companies if you can find a cheaper rate.
We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars a year. If you have a few minutes, compare prices to find cheaper insurance for drivers with good credit.