Compare Honda Element Insurance Rate Quotes in Chandler

Comparing and finding low cost rates for Honda Element insurance in Chandler is always quite difficult for drivers not familiar with shopping for insurance online. With so many online companies available, it can be a big hassle to find better prices on Honda Element insurance.

Insurance for Honda ElementIt’s a fact that car insurance companies don’t want you comparing rates. Drivers who shop around for cheaper rates are highly likely to switch companies because they stand a good chance of finding discount prices. Surprisingly, a recent survey revealed that consumers who shopped around annually saved on average $865 annually as compared to drivers who never shopped around for better prices.

If finding the best rates on insurance in Chandler is your ultimate target, then having some knowledge of how to shop and compare insurance premiums can save money and time.

You should make it a habit to compare premium rates yearly because prices go up and down regularly. Just because you had the lowest quotes on Honda Element insurance in Chandler last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn the right way to find the best coverage while lowering your premiums.

Companies offering Honda Element insurance in Arizona

The following companies are our best choices to provide price quotes in Chandler, AZ. To find the cheapest auto insurance in Chandler, it’s highly recommended you click on several of them to get the most affordable price.

Rates and data analysis

The rate information shown next showcases estimates of policy rates for Honda Element models. Being able to understand how insurance quotes are calculated can help you make smart choices when selecting a policy.

Honda Element Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Element LX 2WD $210 $360 $308 $18 $92 $988 $82
Element LX 4WD $210 $360 $308 $18 $92 $988 $82
Element EX 2WD $210 $360 $308 $18 $92 $988 $82
Element EX 4WD $210 $360 $308 $18 $92 $988 $82
Element SC 2WD $210 $360 $308 $18 $92 $988 $82
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific location which can influence premiums substantially.

Should you raise deductibles?

When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The data tables below can help you visualize the differences in price of buying low and high comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Honda Element insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Element LX 2WD $232 $390 $300 $18 $90 $1,055 $88
Element LX 4WD $232 $390 $300 $18 $90 $1,055 $88
Element EX 2WD $232 $390 $300 $18 $90 $1,055 $88
Element EX 4WD $232 $390 $300 $18 $90 $1,055 $88
Element SC 2WD $232 $390 $300 $18 $90 $1,055 $88
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Honda Element insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Element LX 2WD $188 $314 $300 $18 $90 $910 $76
Element LX 4WD $188 $314 $300 $18 $90 $910 $76
Element EX 2WD $188 $314 $300 $18 $90 $910 $76
Element EX 4WD $188 $314 $300 $18 $90 $910 $76
Element SC 2WD $188 $314 $300 $18 $90 $910 $76
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in garaging location in Chandler which can lower or raise premiums greatly.

Based on the figures above, using a $250 deductible costs approximately $12 more each month or $144 each year averaged for all Element models than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 21 months between claims, you would probably save some money by selecting a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $88
Average monthly premium for $500 deductibles (subtract): – $76
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important issue to know is that raising deductibles to save money means you will have to pay more out-of-pocket when you have a claim. It will be required that you have a higher level of savings in the event you have to pay the higher deductible in order to repair your vehicle.

Reckless driving habits raise Chandler auto insurance rates

The diagram below highlights how speeding tickets and accident claims drive up Honda Element yearly insurance costs for each different age group. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Get cheaper Honda Element insurance in Chandler with discounts

Car insurance is neither fun to buy or cheap, but you may find discounts that many people don’t even know exist. Most are applied when you complete an application, but lesser-known reductions have to be manually applied prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are just wasting money.Save money with discounts

As a footnote on discounts, most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

The example below illustrates the difference between Honda Element insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

Popular car insurance companies and a partial list of their discounts are detailed below.

When comparing rates, check with all the companies how many discounts you can get. Savings may not be offered everywhere. To view insurers that have a full spectrum of discounts in Chandler, follow this link.

Why Your Insurance Premiums might be higher

Lots of factors are part of the calculation when quoting car insurance. A few of the factors are predictable like your driving record, but others are less apparent such as your credit history or your financial responsibility.

Insurance agents can help

Keep in mind that when it comes to choosing coverage online or from an agent, there is no one size fits all plan. Every situation is different so your insurance should reflect thatDrive safe and save
These are some specific questions might point out if your situation would benefit from professional advice.

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Local neighborhood Chandler car insurance agents

Some consumers still like to sit down with an agent and that is a smart decision The biggest benefit of price shopping on the web is the fact that drivers can get cheaper car insurance rates and also buy local.

Find insurance agent in ChandlerUpon completion of this form (opens in new window), your coverage information is instantly submitted to insurance agents in Chandler that provide free Chandler auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to leave your house due to the fact that quote results will go to you. You can most likely find cheaper rates without the usual hassles of price shopping. If you wish to compare rates from a specific insurance provider, you can always search and find their rate quote page to submit a rate quote request.

Choosing a insurance company needs to be determined by more than just the premium amount. Here are some questions you might want to ask.

If you are searching for a local Chandler insurance agency, there are a couple of types of agencies and how they work. Agencies in Chandler can either be independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Exclusive agencies can only place business with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on what they offer which helps overcome the inability to quote other rates. Drivers often buy from exclusive agents mainly due to loyalty to the company rather than low rates.

Listed below are exclusive insurance agents in Chandler that are able to give comparison quotes.

More insurance agents

Independent Agents

Independent agents do not sell for just one brand so they can quote policies with an assortment of companies and get the cheapest rates. If you want to switch companies, they simply move your policy to a different company and the insured can keep the same agent.

If you need lower rates, we recommend you include rate quotes from several independent insurance agents to have the most options to choose from. They often place coverage with smaller mutual companies that may have much lower rates than larger companies.

Shown below is a list of independent agents in Chandler that are able to give comparison quotes.

More insurance agents

After receiving satisfactory answers to your questions as well as the cheapest Honda Element insurance in Chandler quotes, you may have just found an insurance agent that can be relied on to insure your vehicles.

Don’t give up on cheap rates

The cheapest Honda Element insurance in Chandler is possible online and from local agencies, and you should be comparing both to have the best selection. Some companies may not provide online quoting and usually these regional insurance providers sell through local independent agencies.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In many instances, an insured cut uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

Steps to finding lower priced Honda Element insurance in Chandler

The best way to get the cheapest Honda Element insurance in Chandler is to regularly compare quotes from insurance carriers in Arizona. Drivers can shop around by completing these steps.

The critical component of shopping around is to make sure you’re comparing similar limits and deductibles on each price quote and to quote with as many companies as you can. Doing this guarantees a fair price comparison and the best rate selection.

More information is located at the links below