The best way we recommend to find more affordable car insurance rates in Chandler is to start comparing rates regularly from different companies who provide auto insurance in Arizona.
First, try to learn a little about individual coverages and the things you can control to lower rates. Many things that result in higher rates like accidents, traffic tickets, and a not-so-good credit score can be eliminated by making lifestyle changes or driving safer.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide price quotes for many different companies.
Third, compare the price quotes to your current policy to see if a cheaper rate is available in Chandler. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
One tip to remember is that you use identical deductibles and limits on every price quote and and to compare every company you can. Doing this guarantees an accurate price comparison and the best rate selection.
Sadly, nearly 70% of consumers have purchased from the same company for at least four years, and virtually 40% of consumers have never shopped around. With the average premium in Arizona being $1,600, drivers could pocket $730 a year just by comparing rates, but most just don’t grasp how much savings they would realize if they swap their current policy for a cheaper one.
Four factors that determine insurance prices
The best way to find cheaper insurance is to take a look at the factors that go into determining the rates you pay for insurance. If you know what determines base rates, this enables you to make decisions that can help you get big savings. Many things are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, although others are not quite as obvious like your vehicle usage or how financially stable you are.
The items below are most of the major factors that factor into rates.
Allowing your policy to lapse raises rates – Allowing your coverage to lapse can be a sure-fire way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance might get you fines and jail time.
Car and home together may be cheaper – Most larger insurance companies provide lower prices to people that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to compare other company rates to guarantee you are still saving the most.
Does your job raise your premiums? – Careers such as fire fighters, business owners, and miners tend to pay the highest average rates due to job stress and extremely grueling work hours. On the flip side, careers such as scientists, students and the unemployed get better rates.
Get better rates if married – Having a significant other helps lower the price on your insurance policy. It demonstrates that you tend to be more responsible and statistics prove drivers who are married file infrequent claims.
Hyundai Accent insurance claim data – Insurance companies include the past claim history for a vehicle to help calculate premium rates. Vehicles that the statistics show to have higher prevalence or dollar amount of losses will have increased rates. The table shown below demonstrates the compiled insurance loss statistics for Hyundai Accent vehicles.
For each type of coverage, the claim probability for all vehicles, as a total average, is represented as 100. Values below 100 are indicative of better than average losses, while numbers above 100 indicate more frequent losses or statistically larger losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Accent | 98 | 109 | 89 | 129 | 129 | 133 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How to get low cost Hyundai Accent insurance in Chandler, Arizona
Keep in mind that making a lot of price comparisons increases your odds of finding a lower rate. Not every company allows you to get online Chandler Accent insurance quotes, so it’s important to also get price estimates from them, too.
The companies shown below are our best choices to provide free rate quotes in Chandler, AZ. To find cheap auto insurance in Chandler, it’s highly recommended you click on several of them to get the cheapest price.
Auto insurance statistics and figures
The table below highlights estimates of coverage prices for Hyundai Accent models. Being able to understand how car insurance premiums are formulated can be valuable when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $106 | $202 | $254 | $16 | $76 | $654 | $55 |
| Accent GS 2-Dr Hatchback | $124 | $246 | $254 | $16 | $76 | $716 | $60 |
| Accent GLS 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Accent SE 2-Dr Hatchback | $144 | $334 | $254 | $16 | $76 | $824 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in your specific Chandler location which can influence premium rates greatly.
Choosing deductibles
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The following tables illustrate the rate difference between high and low policy deductibles. The first rate table uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $172 | $320 | $254 | $16 | $76 | $863 | $72 |
| Accent GS 2-Dr Hatchback | $202 | $390 | $254 | $16 | $76 | $963 | $80 |
| Accent GLS 4-Dr Sedan | $202 | $460 | $338 | $20 | $102 | $1,147 | $96 |
| Accent SE 2-Dr Hatchback | $232 | $530 | $254 | $16 | $76 | $1,133 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accent Blue 2-Dr Hatchback | $106 | $202 | $254 | $16 | $76 | $654 | $55 |
| Accent GS 2-Dr Hatchback | $124 | $246 | $254 | $16 | $76 | $716 | $60 |
| Accent GLS 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Accent SE 2-Dr Hatchback | $144 | $334 | $254 | $16 | $76 | $824 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific Chandler garaging location which can lower or raise premium rates considerably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $22 more each month or $264 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 34 months between claim filings, you would save money if you choose a higher deductible.
The chart below highlights how deductible selection and can raise or lower Hyundai Accent insurance prices for different age categories. The data is based on a single female driver, comp and collision included, and no discounts are factored in.
Yearly auto insurance costs for men versus women
The example below illustrates the difference between Hyundai Accent premium costs for male and female drivers. The information is based on no violations or claims, full physical damage coverage, $500 deductibles, single status, and no discounts are factored in.
Why do I need car insurance?
Even though it can be expensive, paying for car insurance may be required and benefits you in several ways.
- The majority of states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability if you drive a vehicle. 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.
- If your Hyundai has a lienholder, almost every bank will force you to carry insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Hyundai at a significantly higher premium and require you to fork over for it.
- Insurance safeguards both your vehicle and your personal assets. It will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Hyundai as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of having car insurance more than offset the price you pay, especially with large liability claims. Today the average American driver overpays more than $700 annually so compare rate quotes each time the policy renews to be sure current rates are still competitive.
Score discounts on Chandler car insurance
Car insurance is not inexpensive, but there are discounts available that you may not even know about. Some discounts will apply when you purchase, but occasionally some discounts must be specifically requested before you will receive the discount.
- Active Military Service – Being deployed with a military unit may lower your prices slightly.
- Accident-Free Discounts – Chandler drivers who stay claim-free pay less when compared to drivers who are more careless.
- Drive Safe and Save – Accident-free drivers can save up to 40% or more on their Chandler car insurance quote as compared to drivers with claims.
- Multi-policy Discount – If you combine your home and auto policies with the same insurance company you will save nearly 15% which can help you find inexpensive Hyundai Accent insurance in Chandler.
- Telematics Devices – Insureds who allow their insurance company to spy on vehicle usage remotely such as Progressive’s Snapshot might see lower rates as long as the data is positive.
- Senior Citizens – Seniors can get a slight reduction on a Chandler car insurance quote.
- Multiple Cars – Buying a policy with all your vehicles with the same company can reduce the rates for all insured vehicles.
As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.
The diagram below shows the comparison of Hyundai Accent auto insurance costs with and without discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-car, safe-driver, and multi-policy discounts applied.
Car insurance companies that possibly offer these discounts include:
If you need the cheapest Hyundai Accent rate quotes, ask all the companies how you can save money. Some discounts listed above may not apply to policies in your area. To choose insurers with discount car insurance rates in Arizona, click here.
What if I want to buy from local Chandler car insurance agents?
Many people still like to get advice from a local agent and that is a smart decision A nice benefit of comparing rate quotes online is that you can obtain cheap insurance rates and still buy from a local agent.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to insurance agents in Chandler who want to provide quotes for your business. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to quote rates for a specific company, you can always jump over to their website and submit a quote form there.
Picking an provider is decision based upon more than just the price. The answers to these questions are important, too.
- How experienced are they in personal risk management?
- Can you use your own choice of collision repair facility?
- Can they provide you with a list of referrals?
- How long has their agency been open in Chandler?
- Is there a 24/7 contact number?
- What is the agency’s Better Business Bureau rating?
Types of auto insurance agents
If you want to buy insurance from a good insurance agency, it’s helpful to know the different types of agencies from which to choose. Insurance policy providers are either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
These agents can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets. A lot of people use the same agent mostly because of the prominence of the brand instead of buying on price only.
The following is a list of exclusive agents in Chandler who may provide you with comparison quotes.
- Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map - Farmers Insurance: Mike Canez
381 N Arizona Ave – Chandler, AZ 85225 – (480) 786-5302 – View Map - Tammy White – State Farm Insurance Agent
610 N Alma School Rd #22 – Chandler, AZ 85224 – (480) 963-7007 – View Map
Independent Agents
Agents in the independent channel are normally appointed by many insurers and that is an advantage because they can write policies through many companies and get you the best rates possible. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. If you need lower rates, you should always include rate quotes from several independent insurance agents to get the most accurate price comparison. Many independent agencies also insure through less well-known companies which may have better rates.
Below are Chandler independent insurance agencies willing to provide rate quotes.
- Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map - 1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 – View Map - San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map
In conclusion
Some companies may not have internet price quotes and usually these small insurance companies prefer to sell through local independent agents. Budget-conscious Hyundai Accent insurance is possible on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis.
Drivers change insurance companies for any number of reasons including questionable increases in premium, poor customer service, policy cancellation and even high prices. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.
You just read some good ideas how you can lower your Hyundai Accent insurance rates in Chandler. The key concept to understand is the more companies you get auto insurance rates for, the higher your chance of finding affordable Hyundai Accent insurance quotes. Consumers could even find that the best rates are with a smaller regional carrier.
Additional learning opportunities
- Safety Belts FAQ (iihs.org)
- What Auto Insurance is Cheapest for Felons in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Credit Scores in Chandler? (FAQ)
- How Much are Chandler Car Insurance Rates for Postal Workers? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Understanding Car Crashes Video (iihs.org)