It takes a little time, but the best way to get budget car insurance rates in Chandler is to begin comparing prices regularly from providers who sell insurance in Arizona.
Step 1: Take a few minutes and learn about coverages and the steps you can take to prevent expensive coverage. Many rating factors that are responsible for high rates like distracted driving and an unfavorable credit rating can be improved by improving your driving habits or financial responsibility. Continue reading for additional tips to help keep rates affordable and get additional discounts.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while independent agencies can provide price quotes from multiple companies. Get quotes now
Step 3: Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and change companies, make sure there is no coverage gap between policies.
Step 4: Tell your current company to cancel the current policy and submit a signed application and payment to your new company or agent. Don’t forget to put the new certificate of insurance in an easily accessible location in your vehicle.
One tip to remember is to compare similar limits and deductibles on each quote request and and to compare as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and a complete price analysis.
Regrettably, most consumers have been with the same company for four years or more, and roughly 40% of drivers have never even shopped around for lower-cost coverage. Consumers in Chandler could cut their rates by nearly 50% a year, but they don’t believe how much savings they would realize if they swap their current policy for a cheaper one.
Locating the best rates in Chandler is really quite easy. Basically, every person who needs lower cost insurance should find a better price. Nevertheless, Arizona consumers do need to understand how companies calculate your policy premium because it can help you find the best coverage.
Informed Drivers Know How to Get Insurance at a Discount
Part of the insurance buying process is learning some of the things that aid in calculating the rates you pay for insurance. When you understand what controls the rates you pay, this allows you to make educated decisions that can earn you much lower annual insurance costs.
The list below includes a few of the things utilized by car insurance companies to help set your rate level.
Performance impacts premiums – The make and model of the vehicle you are buying insurance for makes a substantial difference in your rates. Smaller low performance passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
Avoid tickets and save – Having a clean driving record impacts premiums far more than you think. Getting just one ticket may cause rates to rise by twenty percent. Good drivers get better rates as compared to those with violations. Drivers with severe violations such as DUI or willful reckless driving may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
Pay lower rates after the wedding – Your spouse may cut your premiums compared to being single. It may mean you are more mature and responsible and insurance companies like that married drivers get in fewer accidents.
Adjust physical damage deductibles and save – Your deductibles are how much you are willing to pay before your insurance pays a claim. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Some examples of claims that would be covered could be collision with another vehicle, damage from fire, or theft of your vehicle. The more damage repair cost you’re willing to pay, the lower your rates will be.
Insurance loss data for Audi S8 vehicles – Insurers factor in historical loss data to help determine the rate you pay. Models that statistically have higher number or severity of losses will have higher rates. The table below outlines the historical insurance loss data for Audi S8 vehicles.
For each coverage type, the statistical loss for all vehicles, as an average, equals 100. Numbers below 100 represent a good loss history, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi S8 4dr 4WD||288||266|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Just keep in mind that comparing all the rates in your area helps improve the odds of finding better pricing. Some smaller insurers do not give Chandler S8 insurance quotes over the internet, so it’s important to compare price estimates on coverage from those companies, too.
The companies shown below have been selected to offer quotes in Chandler, AZ. To locate cheap auto insurance in AZ, we suggest you visit two to three different companies to get the best price comparison.
Choosing the best vehicle insurance in Arizona is an important decision
Despite the fact that insurance is not cheap in Chandler, insuring your vehicle is required for several reasons.
First, the majority of states have minimum liability requirements which means state laws require specific minimum amounts of liability coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your vehicle has a lienholder, almost every bank will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Audi at an extremely high rate and make you pay for it.
Third, insurance safeguards both your car and your personal assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Audi as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your car greatly outweigh the cost, particularly for liability claims. An average driver in America is overpaying over $869 every year so you should quote rates each time the policy renews to save money.
Lower rates by qualifying for discounts
Car insurance companies don’t always publicize every policy discount very well, so the following is a list of a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Chandler auto insurance online.
- Save over 55 – Drivers over the age of 55 are able to get a small discount on rates.
- No Claim Discounts – Chandler drivers who stay claim-free can earn big discounts when compared to frequent claim filers.
- Policy Bundle Discount – If you can combine your auto and homeowners policy with one company you could get a discount of over 10 percent off each policy depending on the company.
- No Charge for an Accident – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
- Buy New and Save – Adding a new car to your policy can save you some money because new model year vehicles are generally safer.
We need to note that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.
To view insurance companies who offer online Audi S8 insurance quotes in Arizona, click here to view.
Insurance agent or online?
Many drivers still prefer to talk to a local agent and that is not a bad decision The biggest benefit of comparing rates online is you can get the lowest rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to local insurance agents who will give competitive quotes to get your business. You won’t need to even leave your home because prices are sent directly to you. You’ll get the best rates without the usual hassles of price shopping. If you want to get a comparison quote from one company in particular, just jump over to their website and fill out the quote form the provide.
Choosing an insurance company requires you to look at more than just a low price. These are some questions you should get answers to.
- What is the financial rating for the quoted company?
- Which company do they place the most coverage with?
- If independent agents, which companies do they recommend?
- How much training do they have in personal risk management?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they regularly work with personal auto policies in Chandler?
- How long have they been in business?
If you are searching for local Chandler agents, it can be helpful to understand the types of insurance agents and how they can quote your rates. Insurance agents are considered either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Exclusive insurance agents have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.
The following are exclusive insurance agents in Chandler who can help you get rate quotes.
Farmers Insurance: John D Donadio Insurance Agency
1727 N Arizona Ave #9 – Chandler, AZ 85225 – (480) 382-1570 – View Map
Independent Insurance Agencies
Agents that elect to be independent are not employed by any specific company so they can write business amongst many companies and find the cheapest rate. If they quote lower rates, they can switch companies in-house which makes it simple for you. When searching for an agent, it’s recommended you compare prices from several independent agencies for maximum quote selection.
Below is a short list of independent insurance agents in Chandler who can help you get comparison quotes.
Compare car insurance prices regularly to save
We just showed you a lot of ways to compare Audi S8 insurance prices in Chandler. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.
While you’re price shopping online, you should never reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find for the lowest cost.
Additional information is available at the links below
- Think You’re a Safe Driver? (State Farm)
- Who Has Affordable Auto Insurance Rates for Low Mileage Drivers in Chandler? (FAQ)
- Who Has Cheap Car Insurance Quotes for Handicapped Drivers in Chandler? (FAQ)
- Who Has Affordable Car Insurance Rates for a Honda CR-V in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Ride Shares in Chandler? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)