Best Ways to Save on Chandler Kia Rio Insurance

Insurance rates Kia Rio in ChandlerIt’s safe to assume that insurance companies don’t want you to compare rates. Insureds who shop around for cheaper rates will presumably switch companies because they have a good chance of finding lower prices. A survey found that consumers who compared rates once a year saved an average of $3,500 over four years compared to people who never compared prices.

If finding low prices for insurance is your ultimate objective, then having a good understanding how to find companies and compare cheaper coverage can help you succeed in finding affordable rates.

If you want to save the most money, the best way to get affordable car insurance rates is to annually compare prices from insurance carriers who can sell car insurance in Chandler. Price quotes can be compared by completing these steps.

One important bit of advice is to make sure you enter the same level of coverage on every quote and and to get quotes from as many different companies as possible. Doing this guarantees an accurate price comparison and a complete price analysis.

If you currently have a car insurance policy, you should be able to reduce the price you pay using the ideas you’re about to read. Buying the cheapest insurance in Chandler is quite easy if you know the best way to do it. But Arizona car owners do need to know how big insurance companies market on the web because rates are impacted by many factors.

The most recommended method to compare rate quotes for Kia Rio insurance in Chandler is to know the trick auto insurance companies participate in online systems to provide you with free rate quotes. To begin a comparison, all you need to do is give them some information such as if you lease or own, if a SR-22 is required, if you are currently licensed, and driver ages. Your information is sent automatically to multiple car insurance providers and they return quotes immediately.

To get price quotes for your car now, click here and complete the quick form.

The providers in the list below are our best choices to provide quotes in Arizona. If you wish to find cheaper car insurance in Arizona, we recommend you get prices from several of them to get a more complete price comparison.

Auto insurance discounts help lower rates for Kia Rio insurance in Chandler

Insuring your vehicles can cost a lot, but you may be missing some discounts to cut the cost considerably. Some discounts apply automatically at quote time, but some may not be applied and must be requested specifically before you will receive the discount. If you do not check that you are getting every discount available, you could be saving more on your auto insurance.Cheaper auto insurance with discounts

Drivers should understand that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, it’s just not the way it works.

The chart below compares Kia Rio auto insurance rates with and without discounts applied to the premium. The premiums assume a male driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, safe-driver, and claim-free discounts applied.

Companies and their possible discounts are detailed below.

If you are trying to find affordable Chandler auto insurance quotes, ask each insurance company the best way to save money. Some of the discounts discussed earlier might not be offered in Chandler.

Coverage statistics and figures

The price information displayed next outlines a range of insurance policy prices for Kia Rio models. Being able to understand how insurance quotes are figured can be useful when making informed decisions when comparing rates.

Kia Rio Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $138 $302 $458 $28 $136 $1,062 $89
Rio LX $138 $302 $458 $28 $136 $1,062 $89
Rio SX $158 $356 $458 $28 $136 $1,136 $95
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific zip code location which can raise or lower auto insurance rates significantly.

Policy deductibles

When shopping for insurance, a common question is which deductibles should you choose. The data tables below lay out the rate fluctuation when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Kia Rio insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $224 $466 $338 $20 $102 $1,175 $98
Rio LX $224 $466 $338 $20 $102 $1,175 $98
Rio SX $258 $548 $338 $20 $102 $1,291 $108
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Kia Rio insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Rio $124 $246 $338 $20 $102 $830 $69
Rio LX $124 $246 $338 $20 $102 $830 $69
Rio SX $144 $290 $338 $20 $102 $894 $75
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific location which can decrease or increase coverage rates greatly.

We can estimate from the data above that using a $100 deductible will cost you approximately $30 more each month or $360 annually than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 30 months between claim filings, you would probably be better off if you decide on a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): – $71
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

The illustration below shows how choosing a deductible and can impact Kia Rio insurance costs for each age group. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.

Impact of citations and accidents on insurance rates

The information below shows how speeding tickets and accident claims can drive up Kia Rio insurance costs for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Local Chandler car insurance agents

Some consumers prefer to go talk to an agent and that is a personal choice. One of the benefits of comparing rate quotes online is you may find the lowest rates and also buy local.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to local insurance agents in Chandler who can give free rate quotes to get your business. You don’t have to search for any insurance agencies because prices are sent instantly to you. It’s the lowest rates without requiring a lot of work. If you wish to compare rates from a specific insurance company, you just need to visit that company’s website and give them your coverage information.

Finding the right insurer shouldn’t rely on just a cheap price quote. The answers to these questions are important, too.

What types of auto insurance agents are in Chandler?

If you need to find a good Chandler insurance agent, there are a couple of types of agencies and how they are slightly different. Chandler agents can be classified as either exclusive or independent.

Exclusive Agents

Agents that choose to be exclusive can only provide pricing for a single company and some examples include AAA, Allstate, and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they really need to provide good service. They are very knowledgeable on their company’s products which helps them compete with independent agents.

Listed below are Chandler exclusive agencies willing to provide price quote information.

3165 S Alma School Rd Ste 27Chandler, AZ 85248(480) 855-0665View Map

4040 S Arizona Ave #14Chandler, AZ 85248(480) 666-7996View Map

1801 W Queen Creek Rd #1Chandler, AZ 85248(480) 899-8549View Map

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Independent Agents (or Brokers)

Agents in the independent channel do not have single company limitations and that allows them to write policies through many companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house which is easy for the insured. If you are comparing car insurance prices, we recommend you get several quotes from a couple of independent agencies for the best price selection.

The following are Chandler independent agents who can help you get price quote information.

2169 E Warner Rd Suite 103Tempe, AZ 85284(480) 543-1797View Map

5165 S Eileen DrChandler, AZ 85248(480) 220-7233View Map

1200 N Arizona Ave #3Chandler, AZ 85225(480) 782-9202View Map

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How Your Rio Insurance Premiums are Determined

Multiple criteria are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are less obvious like your vehicle usage or your vehicle rating. Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. When you understand what determines base rates, this allows you to make educated decisions that could help you find much lower annual insurance costs.

The following are some of the things companies use to determine your rate level.

Why you need insurance

Despite the high cost of buying insurance for a Kia Rio in Chandler, insurance may be mandatory for several reasons.

The benefits of insuring your car definitely exceed the price paid, especially for larger claims. But the average driver in Arizona is overpaying more than $850 per year so shop around every year to make sure the price is not too high.

Chandler car insurance company ratings

Ending up with a high-quality insurance provider can be rather challenging considering how many choices drivers have in Chandler. The company information displayed below could help you decide which car insurance providers you want to consider putting your business with.

Best Car Insurance Companies in Chandler
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

You can lower your auto insurance rates

In this article, we presented many ways to get a better price on Kia Rio insurance in Chandler. The key concept to understand is the more companies you get prices for, the better likelihood of getting cheaper Chandler auto insurance quotes. You may even discover the most savings is with a smaller regional carrier. They may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate and Progressive.

When shopping online for auto insurance, never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Budget-friendly auto insurance in Chandler is attainable both online and with local Chandler insurance agents, so you need to quote Chandler auto insurance with both to get a complete price analysis. Some insurance companies may not offer online quoting and these small insurance companies prefer to sell through independent insurance agencies.

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