The words “low-cost” and “auto insurance” really shouldn’t be used in the same sentence, specifically when comparison shopping for the cheapest auto insurance for immigrants. Because of the high cost, let’s teach you some things that have a considerable impact on car insurance rates, and come up with some ideas to lower the price of the next policy you buy.
Shopping around for reasonably-priced car insurance is hard enough, and determining which company has the best insurance rates for immigrants may require even more shopping around.
Each auto insurance company has a unique formula to determine rates, so first we will examine the overall cheapest insurance companies in Arizona. It’s important that readers know that Chandler, AZ insurance rates are determined by lots of factors that can increase the cost of coverage. That is why it is critical to compare many different companies when trying to find the cheapest auto insurance rates for immigrants. Insurance rates can be determined by many factors and can increase or decrease at any time, so the cheapest option the last time you compared rates may now be one of the higher cost companies.
Lowest Insurance Price Quotes for Migrants
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford offers some of the cheapest car insurance rates in Chandler at around $845 a year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the lowest-priced Chandler, AZ auto insurance companies.
As shown in the table above, if you currently have a policy with USAA and switched to Auto-Owners, you could earn an annual premium reduction of roughly $225. Insureds with Progressive might save as much as $242 a year, and GEICO insureds might reduce prices by as much as $289 a year.
Bear in mind that those rates are averaged across all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for immigrants. So the company that can offer you the best rate may not even be in the list above. That illustrates why you need to get rate quotes using your own driver data and vehicle information.
The make and model of vehicle that needs insurance is one of the primary factors when comparing quotes for the best cheap car insurance for immigrants. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models.
The data below showcases insurance premiums for a selection of the cheapest vehicles to insure in Arizona.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$1,406|
|Ford Focus SE 4-Dr Sedan||$1,596|
|Toyota Camry LE||$1,628|
|Chevrolet Equinox LS AWD||$1,637|
|Ford Fusion S 4-Dr Sedan||$1,628|
|Toyota RAV4 2WD||$1,635|
|Volkswagen Jetta S 2.5 Station Wagon||$1,636|
|Ford Escape Limited 4WD||$1,642|
|Chevrolet Malibu LT||$1,657|
|Honda Accord EX-L 4-Dr Sedan||$1,680|
|Ford Explorer XLT 2WD||$1,683|
|Honda Odyssey Touring||$1,744|
|Ford Edge Limited 2WD||$1,794|
|Chevrolet Impala LT||$1,834|
|Toyota Tacoma Double Cab 4WD||$1,844|
|Dodge Grand Caravan SXT||$1,876|
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Premium data assumes 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, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in zip code location which can alter premium rates significantly.
Looking at the rates, models like the Honda CR-V, Toyota Prius, and Ford Focus are most likely going to be some of the more affordable vehicles to insure for foreigners.
Discount Chandler auto insurance
Auto insurance companies that provide policies for immigrants may also offer premium discounts that can lower rates by as much as 25% or more if you meet the requirements. A few popular companies and a partial list of their discounts are outlined below.
- State Farm offers premium reductions for driver’s education, accident-free, passive restraint, multiple autos, anti-theft, and multiple policy.
- Progressive may include discounts for continuous coverage, online quote discount, multi-vehicle, good student, and online signing.
- Progressive has savings for multi-policy, online signing, online quote discount, multi-vehicle, homeowner, good student, and continuous coverage.
- MetLife offers discounts for good student, good driver, defensive driver, accident-free, and claim-free.
- Farm Bureau may have discounts that include 55 and retired, safe driver, multi-policy, multi-vehicle, and good student.
- GEICO policyholders can earn discounts including driver training, daytime running lights, multi-vehicle, anti-theft, and air bags.
- SAFECO includes discounts for multi-car, bundle discounts, anti-theft, teen safety rewards, drive less, anti-lock brakes, and accident prevention training.
The information below shows the comparison of insurance rates with and without discounts applied to the premium. The prices are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, marriage, vehicle safety, safe-driver, multiple policy, and homeowner discounts applied. When taking advantage of discounts, the average savings per year on insurance for immigrants is 28% or $556.
Responsible drivers pay cheaper Chandler insurance rates
One of the best ways to get affordable insurance rates for foreigners is to drive carefully and avoid accidents and keep your driving record clean. The information below shows how speeding tickets and at-fault fender-benders can increase insurance premiums for different age groups. The data is based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the example above, the average cost of a car insurance policy in Arizona per year with no accidents or violations is $2,182. Get one speeding ticket and the average cost swells to $2,473, an increase of $291 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for immigrants jumps again to an average of $4,938. That’s an increase of $2,756, or $230 per month, just for being a less-than-perfect driver!
Full coverage rates compared to liability only
Saving money on insurance is important to most people, and one of the quickest ways to find cheaper insurance for immigrants is to only pay for liability coverage. The diagram below illustrates the comparison of insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, full coverage on your policy costs an extra $1,263 per year over having just liability coverage. Lot’s of drivers question if you should buy full coverage at all. There is no definitive formula that works best for making the decision to drop comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
Low rates today, overpriced tomorrow
Arizona insurance rates are determined by lots of factors that control your annual premium. Improving your credit score, having a teen driver, or having a fender bender can cause premium changes resulting in some companies being cheaper than others.
Not only may your risk profile change, but auto insurance companies modify pricing as often as every quarter in order to maintain liquidity for claims. Heavy losses can result in price increases, while better underwriting may result in more affordable Chandler car insurance rates.
The graph below shows which company has the cheapest car insurance in Chandler, AZ for a 45-year-old female driver with no accidents or violations, and good credit. If we estimate prices based on her personal risk profile, The Hartford quotes the cheapest car insurance rates in Chandler at $1,072 per year. This is $356 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers round out the rest of the cheapest Chandler, AZ auto insurance companies.
Let’s now give the driver from the first rate comparison a claim surcharge, a little lower credit rating, and a few blemishes on her driving record. Because every insurance company has their own guidelines for filing rates in each state, getting updated rate quotes may now result in a slightly different list of companies as shown below.
GEICO now has the cheapest insurance rate in Chandler with Allied, Ameriprise Group, Auto-Owners, and CSAA also being competitive. This demonstrates why it is critical to compare as many rates as possible to get cheap auto insurance quotes for immigrants.
Prices consist of many risk factors and can increase or decrease at any time, so the lowest-price company the last time you shopped around may now be quite expensive.