Finding out which companies offer the cheapest car insurance rates for welfare recipients involves a bit more effort in order to find the best policy. Each auto insurance company has a proprietary formula for determining rates in each state, so let’s look at the rankings for the overall cheapest car insurance companies in Chandler.
It’s a good idea to know that Chandler, AZ car insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. Simply getting older, buying higher coverage limits, or getting into an accident can trigger rate changes that can now make some companies more affordable than others.
Find Cheaper Auto Insurance in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford may offer some of the best car insurance rates in Chandler at around $845 annually. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the lowest-priced Chandler, AZ auto insurance companies.
As the example above demonstrates, if you are currently insured with Safeco and switched to The Hartford, you might realize a yearly price reduction of around $87. Drivers with Travelers could save as much as $230 a year, and USAA insureds might cut rates by $235 a year.
Understand that those prices are averages for all insureds and vehicles and are not factoring in a specific location for welfare recipients. So the company that can offer you the best rate may not even be in the list above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
The vehicle model you are insuring is a large consideration when comparing quotes for the lowest-priced auto insurance for welfare recipients. Vehicles with economical engines, excellent safety ratings, or a track record of few liability claims will cost significantly less to insure than higher performance models. The table below estimates coverage costs for some of the cheaper automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$1,225|
|Toyota Tacoma 4WD||$1,343|
|Hyundai Elantra GLS Touring Station Wagon||$1,353|
|Ford Escape XLT 2WD||$1,362|
|Honda Accord LX-P 4-Dr Sedan||$1,353|
|Chevrolet Impala LT||$1,420|
|Ford F-150 STX Regular Cab 2WD||$1,434|
|Dodge Ram Quad Cab ST 2WD||$1,444|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,459|
|Ford Fusion Sport 4-Dr Sedan||$1,521|
|Ford Edge SE AWD||$1,529|
|Jeep Grand Cherokee Limited 4WD||$1,521|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,543|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,575|
|Chevrolet Malibu LS||$1,597|
|Dodge Grand Caravan Hero||$1,607|
|Toyota RAV4 4WD||$1,597|
|Chevrolet Silverado LS Regular Cab 2WD||$1,605|
|Toyota Camry Hybrid||$1,622|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in Chandler, AZ location which can raise or lower prices significantly.
Looking at the rates, vehicles like the Honda CR-V, Toyota Tacoma, Hyundai Elantra, Ford Escape, and Honda Accord are likely to be a few of the most affordable vehicles to insure for drivers on welfare.
For drivers on welfare, one of the big criteria that help determine the cost of insurance is where you call home in Chandler. Areas with more people or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The illustration below rates the highest-priced places in Arizona for welfare recipients to purchase auto insurance in. Chandler shows up at #14 with the annual price of $1,082 for car insurance, which is around $90 each month.
|4||San Tan Valley||$1,185|
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Premium costs are comparative as the specific zip code location can increase or decrease insurance rates greatly.
Discount Chandler insurance rates
Insurance companies that provide coverage for welfare recipients may additionally offer premium discounts that could reduce prices by as much as 35% if you meet eligibility requirements. A list of car insurance companies and their offered discounts are:
- GEICO offers premium reductions for membership and employees, anti-theft, air bags, military active duty, driver training, and defensive driver.
- MetLife may have discounts that include claim-free, multi-policy, good driver, accident-free, defensive driver, good student
- State Farm offers discounts for Steer Clear safe driver discount, multiple policy, driver’s education, accident-free, student away at school, good student, and defensive driving training.
- Progressive policyholders can earn discounts including online quote discount, good student, multi-vehicle, online signing, continuous coverage, multi-policy, and homeowner.
- Mercury Insurance has discounts for good driver, low natural disaster claims, ease of repair, anti-theft, annual mileage, age of vehicle, and type of vehicle.
- 21st Century has savings for good student, 55 and older, homeowners, teen driver, defensive driver, and student driver.
- Allstate offers discounts including farm vehicle, economy car, auto/life discount, utility vehicle, teenSMART discount, resident student, and EZ pay plan discount.
The information below illustrates the comparison of auto insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, multiple vehicle, accident-free, homeowner, claim-free, and marriage discounts applied. When discounts are factored in, theaverage amount saved on car insurance for welfare recipients is 28% or $455.
Full coverage versus liability-only in Chandler
Finding the cheapest car insurance is important to the majority of drivers, and one of the quickest ways to buy cheaper insurance for welfare recipients is to buy liability only. The information below visualizes the comparison of insurance prices when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
If averaged out across all ages, comprehensive and collision coverage on your policy costs $1,366 per year more than just buying liability only. That amount may make you wonder if buying full coverage is worth the expense. There is no definitive rule to stop paying for physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying the physical damage deductible. If you are paying more than $300 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some cases where removing full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
How to find budget-friendly auto insurance for welfare recipients
The list below summarizes a few thrifty ideas that can help drivers get more affordable car insurance.
- Higher deductibles mean lower rates
- Maintain a clean driving record
- At-fault accidents can raise rates significantly
- Better credit rating means better rates
- Buy a vehicle with excellent safety ratings
- Compare quotes from other companies often
The last tip in the list is extraordinarily important, as was emphasized in the prior information. Prices can be modified anytime, so drivers shouldn’t hesitate to switch companies if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not recommended if that faithfulness ends up costing you lots of hard earned cash every month. It only take a few minutes to compare prices and find cheaper car insurance for welfare recipients in Chandler.
If you aren’t clear which coverage you need and would like to get some guidance when shopping for the best coverage for welfare recipients, the agents shown below are willing to answer your questions and help you decide which insurance coverage will be best for you. To find an agent in your neighborhood, click the button after the list or click here to compare rates now.
- State Farm: Bryan Ross
5960 S Cooper Rd #2 – Chandler, AZ 85249 – (480) 855-8555
- Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100
- Allstate Insurance: Joe Kittelson
1351 N Alma School Rd Ste 160 – Chandler, AZ 85224 – (480) 545-8877
- Nationwide Insurance Chandler
2040 S Alma School Rd #1 – Chandler, AZ 85286 – (480) 822-7100