The vehicle you are trying to insure is one of the biggest factors when comparison shopping for the most economical coverage for handicapped drivers. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.
The data below estimates coverage prices for some of the cheaper vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,054|
|Honda CR-V LX 4WD||$1,203|
|Ford Escape XLT 4WD||$1,226|
|Volkswagen Jetta 2.0T Station Wagon||$1,236|
|Toyota RAV4 4WD||$1,249|
|Ford Fusion S 4-Dr Sedan||$1,256|
|GMC Sierra SLE Crew Cab 2WD||$1,249|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,264|
|Ford Explorer Limited 2WD||$1,274|
|Chevrolet Impala LTZ||$1,315|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,325|
|Toyota Tacoma 4WD||$1,348|
|Ford Focus SE 4-Dr Sedan||$1,391|
|Dodge Grand Caravan Hero||$1,416|
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Cost estimates assume married female driver age 50, 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. Rate information does not factor in vehicle garaging location which can increase or decrease coverage prices substantially.
Based on these rates, we can tell that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are some of the cheapest vehicles to insure for drivers with handicaps.
One of the many factors that help determine car insurance rates is where you choose to live in Chandler. Areas with high crime rates or more dense population will most likely pay more, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.
The illustration below shows the most costly cities in Arizona for handicapped drivers to buy auto insurance in. Chandler is ranked at #13 with a yearly premium of $1,093 for the average insurance policy, which is approximately $91 each month.
|Rank||City||Premium Per Year|
|3||San Tan Valley||$1,196|
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Rate information is estimated as the specific Chandler residence address can increase or decrease coverage prices noticeably.
Get discount Chandler insurance rates
Auto insurance companies that provide coverage for handicapped drivers may have rate discounts that could reduce prices by as much as 40% or more if you are eligible for them. A list of companies and a summarized list of policyholder discounts include:
- State Farm has savings for Drive Safe & Save, student away at school, accident-free, passive restraint, good driver, and Steer Clear safe driver discount.
- American Family policyholders can earn discounts including bundled insurance, Steer into Savings, accident-free, good student, TimeAway discount, and defensive driver.
- AAA offers premium reductions for multi-policy, education and occupation, good driver, good student, and anti-theft.
- GEICO offers discounts including federal employee, defensive driver, anti-theft, seat belt use, and anti-lock brakes.
- Mercury Insurance may include discounts for good student, multi-car, type of vehicle, professional/association, good driver, and low natural disaster claims.
- Farmers Insurance may offer discounts for multi-car, pay in full, youthful driver, teen driver, and early shopping.
- Progressive has discounts for homeowner, multi-policy, online quote discount, continuous coverage, multi-vehicle, good student, and online signing.
The example below compares premium costs with and without discounts. The information is based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, defensive driving course, multiple vehicle, anti-theft, marriage, and accident-free discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for handicapped drivers is 27% or $449.
How careless driving impacts Chandler auto insurance rates
The best way to score the most affordable auto insurance prices in Arizona for drivers with handicaps is to be a careful driver and avoid accidents and violations. The diagram below highlights how speeding tickets and at-fault claims can increase insurance rates for different age groups of insureds. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
The data charted above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $971. Factor in two speeding tickets and the average cost increases to $1,367, an increase of $396 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for handicapped drivers jumps again to an average of $3,030. That’s an increase of $2,059, or $172 per month, just for not being more responsible behind the wheel!
Do you need full coverage?
Finding the cheapest auto insurance is the goal of most people, and an easy way to buy cheaper insurance for handicapped drivers is to not buy full coverage. The example below illustrates the difference between car insurance costs with liability coverage only compared to full coverage. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
As an average for all age groups, physical damage coverage on your policy costs $1,551 per year over having just liability coverage. At some point, almost every driver questions if buying full coverage is worth the money. There isn’t a written rule for phasing out physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
Why you should shop around
Chandler auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. Simply having a birthday, having a teenage driver, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be cheaper than competitors. In addition to those changes, companies file new Arizona car insurance rates as often as every three months to reflect underwriting profits or losses. Higher than usual claims may cause rate hikes, while a profitable period may result in cheaper Chandler car insurance rates.
To illustrate this point, the graph below shows which companies have the cheapest car insurance in Chandler, AZ for a 40-year-old male driver with a good driving record, no prior claims, and a good credit rating. When comparing rates based on his current risk profile, The Hartford offers the best car insurance rates in Chandler at $1,059 annually. This is $369 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive are the remaining top five cheapest Chandler, AZ auto insurance companies.
Let’s now give the driver from the first example a couple of claims, a lower credit rating, and a blemish on his driving record. Due to the fact that every insurance company has a different formula to set premium rates, comparing prices could now result in a different list of affordable Chandler car insurance companies as shown below.
GEICO now has the lowest price on auto insurance in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Auto-Owners completing the list. This shows why drivers need to compare rates to find the lowest insurance quotes for handicapped drivers. Prices are impacted by many risk factors and can change substantially, so the best price the last time you shopped around may now be an over-priced policy.
The agents below can most likely help you determine which auto insurance policy would work best for you, as some people prefer to have a little guidance when buying car insurance for drivers with handicaps. It’s not always easy to find the cheapest car insurance policy, so getting advice from a licensed agent can give satisfaction knowing your policy gives you suitable coverage if you ever need to use it.
To find an auto insurance agency closest to you, click the link at the bottom or click here to compare price quotes.
- Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763
- Allstate Insurance: Jason Tuttle
985 W Chandler Heights Rd #3 – Chandler, AZ 85248 – (480) 477-7511
- Farmers Insurance – Michael Van Oostendorp
4025 W Chandler Blvd #4 – Chandler, AZ 85226 – (480) 899-0898
- Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040