If you want to save money, the best way to get more affordable car insurance rates is to make a habit of comparing prices annually from providers that sell auto insurance in Chandler.
- Step 1: Take a few minutes and learn about auto insurance and the factors you can control to prevent expensive coverage. Many policy risk factors that increase rates like traffic violations and a lousy credit rating can be controlled by making minor changes in your lifestyle.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of insurance providers.
- Step 3: Compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and change companies, verify that coverage does not lapse between policies.
- Step 4: Provide adequate notice to your current company of your decision to cancel your current coverage and submit payment along with a signed and completed policy application to your new company or agent. Don’t forget to put the certificate verifying coverage in a readily accessible location in your vehicle.
One piece of advice is to use identical limits and deductibles on every quote and and to get rates from as many different companies as possible. Doing this provides the most accurate price comparison and many rates to choose from.
It’s astonishing, but a large majority of drivers renewed their policy with the same company for more than four years, and just short of a majority have never quoted rates to find affordable coverage. With the average premium in America being $1,847, drivers could cut their rates by 46.5% a year, but they don’t want to take the time to save money by comparing rate quotes.
If you have a policy now or are looking for a new policy, use these money-saving tips to reduce the price you pay without sacrificing coverage. This article’s intent is to teach you a little about how insurance works and some money-saving tips. Consumers only have to learn the most time-saving way to buy car insurance from many companies at once.
The easiest way to get policy rate comparisons for Audi A3 insurance in Chandler is to know the trick auto insurance companies participate in online systems to compare their rates. The only thing you need to do is give the companies some data including any included safety features, the ages of drivers, an estimate of your credit level, and the type of vehicles you drive. Your details is instantly sent to multiple different insurance companies and you get price estimates within a short period of time.
To find lower affordable Audi A3 insurance rates now, click here and enter your coverage details.
The following companies can provide comparison quotes in Chandler, AZ. If you want to find the best cheap auto insurance in Arizona, we recommend you click on several of them to get the most affordable price.
Insurance coverage analysis
The premium table displayed below highlights estimates of insurance prices for Audi A3 models. Learning how insurance premiums are figured can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $214 | $370 | $392 | $24 | $118 | $1,118 | $93 |
| A3 2.0T Premium Plus Package | $214 | $370 | $392 | $24 | $118 | $1,118 | $93 |
| A3 2.0T Quattro | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle location which can modify coverage prices substantially.
Analysis of deductible levels
One of the most common car insurance questions is how high should the physical damage deductibles be. The following tables determine the difference in cost of buying low and high policy deductibles. The first pricing table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| A3 2.0T Premium Plus Package | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| A3 2.0T Quattro | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| A3 2.0T Premium Package | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| A3 2.0T Premium Plus Package | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| A3 2.0T Quattro | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location information which can influence price quotes noticeably.
Based on this data, using a $250 deductible could cost the average driver approximately $13 more each month or $156 every year than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 19 months between claims, you would save more money if you choose the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
The chart below shows how choosing a deductible and can impact Audi A3 premium costs for different age groups of insureds. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied.
Drive safe and save
The diagram below illustrates how speeding tickets and at-fault fender-benders drive up Audi A3 auto insurance costs for different age categories. The prices are based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Audi A3 insurance rates by gender in Chandler
The information below illustrates the comparison of Audi A3 car insurance rates for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The chart below compares Audi A3 auto insurance rates when comparing full coverage to liability only. The prices are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no policy discounts are applied.
When to switch to liability coverage only
There is no definitive formula of when to stop paying for physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s say your Audi A3 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If premiums are more than $500 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping full coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Your car insurance coverage should be tailored to you
When quoting and comparing the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.
For example, these questions might help in determining if you would benefit from an agent’s advice.
- What is motorclub and do I need it?
- What does roadside assistance cover?
- If I drive on a suspended license am I covered?
- Is my Audi A3 covered for smoke damage?
- Does insurance cover damages from a DUI accident?
- What is the ISO rating for a Audi A3?
- Is my vehicle covered by my employer’s policy when using it for work?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.
Buying from auto insurance agents
Many drivers just prefer to buy from a licensed agent and that can be a great decision Licensed agents can make sure you are properly covered and help submit paperwork. The best thing about price shopping on the web is that you can find better rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, your coverage information is emailed to companies in Chandler who can give free rate quotes to get your business. You won’t even need to visit any agencies since price quotes are sent directly to your email. If for some reason you want to compare prices from a specific auto insurance provider, you would need to find their quoting web page and submit a quote form there.
Finding the right provider shouldn’t rely on just a low price. These are some valid questions you should ask.
- Are they in the agency full-time?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How many years of experience in personal auto insurance do they have?
- Where are claims handled?
- How is replacement cost determined on your vehicle?
- In the event of vehicle damage, can you pick the collision repair facility?
When narrowing the list to find a good Chandler insurance agent, there are a couple of different types of agencies and how they function. Agents are categorized either independent or exclusive depending on the company they work for. Both types can do a good job, but it’s worth learning the subtle differences since it may influence buying decisions.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel normally can only provide a single company’s rates and examples are Allstate and State Farm. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents partially due to high brand loyalty instead of buying on price only.
Listed below is a list of exclusive agencies in Chandler that are able to give comparison quotes.
- Allstate Insurance: Kevin Lum
5055 W Ray Rd Ste 22 – Chandler, AZ 85226 – (480) 883-8798 – View Map - Allstate Insurance: Jason Thorpe
3107 S Gilbert Rd #109 – Gilbert, AZ 85295 – (480) 732-9696 – View Map - Farmers Insurance – Joe Baselice
5355 W Chandler Blvd #8 – Chandler, AZ 85226 – (480) 940-0909 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are normally appointed by many insurers and that allows them to write policies amongst many companies and find you cheaper rates. If your premiums go up, they simply move your policy to a different company and you can keep the same agent. If you are trying to find cheaper rates, you definitely need to compare prices from at least one independent agent so that you have a good selection of quotes to compare. They also have the ability to place coverage with small regional insurance companies which may provide better rates.
Listed below are Chandler independent agencies willing to provide price quote information.
- Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map - Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056 – View Map - Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map