The most effective way to get cheaper car insurance rates is to start comparing prices yearly from insurers who provide auto insurance in Chandler. Drivers can shop around by following these steps.
- Step 1: Try to learn a little about how companies price auto insurance and the modifications you can make to prevent rate increases. Many things that result in higher rates such as careless driving and poor credit history can be controlled by paying attention to minor details.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources.
- Step 3: Compare the new rate quotes to your current policy and see if you can save money. If you can save money, ensure coverage does not lapse between policies.
An essential thing to point out is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote and and to get price quotes from as many companies as possible. Doing this enables a fair rate comparison and a complete price analysis.
We don’t have to tell you that insurance companies want to prevent you from shopping around. Insureds who get price comparisons will, in all likelihood, buy a different policy because of the high probability of finding a more affordable policy premium. A survey found that consumers who routinely shopped for cheaper coverage saved about $3,450 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding low prices for auto insurance in Chandler is the reason for your visit, then knowing how to get rate quotes and compare cheaper coverage can help you be more efficient.
The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact all the major auto insurance companies participate in online systems to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information including your general credit rating, whether you drive to work or school, the ages of drivers, and if a SR-22 is needed. Your insurance information is sent automatically to many highly-rated insurers and they return rate quotes immediately.
To compare multiple company lower-cost Mazda RX-8 insurance rates now, click here and enter the information requested.
The following companies have been selected to offer price quotes in Chandler, AZ. To get the cheapest auto insurance in Chandler, we recommend you compare several of them in order to get a fair rate comparison.
Score discounts on Chandler car insurance
Some insurance providers don’t always list every available discount in an easy-to-find place, so here is a list a few of the more well known and the harder-to-find credits available to you.
- Safe Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% compared to accident prone drivers.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save 10% or more on medical payment and PIP coverage.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems help deter theft and will save you 10% or more on RX-8 insurance in Chandler.
- Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
- Chandler Homeowners Discount – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
- No Claim Discounts – Chandler drivers who stay claim-free pay less when compared to drivers with a long claim history.
- Discount for Good Grades – Performing well in school may save you up to 25%. The discount lasts until age 25.
- Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates so long as you haven’t had any claims for a set time period.
- Discount for Swiching Early – Some companies give discounts for switching policies prior to the expiration date on your current RX-8 insurance policy. You can save around 10% with this discount.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way.
The example below visualizes the comparison of Mazda RX-8 premium costs with and without discounts. The data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, multi-car, and claim-free discounts applied.
Some of the larger companies who might offer most of these discounts are:
Before purchasing a policy, check with all the companies to apply every possible discount. Some of the earlier mentioned discounts might not be offered in Chandler. For a list of companies with significant discounts in Arizona, follow this link.
Facts and figures for Mazda RX-8 insurance
The coverage table displayed next showcases detailed analysis of coverage prices for Mazda RX-8 models. Having a better idea how premiums are formulated can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $250 | $450 | $314 | $18 | $94 | $1,126 | $94 |
| RX-8 Grand Touring 4-Dr Coupe | $250 | $518 | $314 | $18 | $94 | $1,194 | $100 |
| RX-8 R3 4-Dr Coupe | $250 | $518 | $314 | $18 | $94 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in your specific Chandler location which can revise coverage rates considerably.
Comparison of policy deductibles
One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The comparison tables below sum up how much more you’ll pay of buying low and high policy deductibles. The first pricing table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| RX-8 Grand Touring 4-Dr Coupe | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| RX-8 R3 4-Dr Coupe | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RX-8 Sport 4-Dr Coupe | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| RX-8 Grand Touring 4-Dr Coupe | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| RX-8 R3 4-Dr Coupe | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific Chandler garaging location which can alter coverage prices noticeably.
Based on the above data, using a $250 deductible will cost you roughly $15 more each month or $180 annually across all Mazda RX-8 models than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 17 months between claim filings, you would probably be better off if you decide on a higher deductible.
The information below demonstrates how deductible levels and can change Mazda RX-8 insurance costs for each age group. Data assumes a married male driver, comp and collision included, and no policy discounts are applied.
How much more does full coverage cost in Chandler?
The chart below illustrates the comparison of Mazda RX-8 insurance premiums when comparing full coverage to state minimum liability only. The costs are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no exact formula to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s pretend your Mazda RX-8 book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying your deductible. If it’s costing in excess of $400 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some cases where dropping full coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Shop online but buy locally
A small number of people just prefer to have an agent’s advice and doing that can be a smart decision The biggest benefit of getting online price quotes is that drivers can save money and get cheaper prices and also buy local. Buying from local agents is definitely important in Chandler.
To make it easy to find an agent, after completing this quick form, the quote information is sent to local insurance agents who will gladly provide quotes for your insurance coverage. You never need to contact any agents as quotes are delivered straight to your inbox. You’ll get the best rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a particular provider, feel free to jump over to their website and give them your coverage information.
If you are wanting to find a local Chandler insurance agent, there are a couple of different types of agents and how they operate. Auto insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Agents in the independent channel are not locked into one company and that enables them to quote your coverage through many companies depending on which coverage is best. If you are not satisfied with one company, they can switch companies in-house and you can keep the same agent. When shopping rates, you absolutely need to check rates from at least one independent agent for the best price selection. Many independent agencies also insure through smaller regional carriers that may have much lower rates than larger companies.
Featured below are independent agents in Chandler who can help you get competitive price quotes.
- Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map - Foothills Insurance Agency
2490 S Gilbert Rd #105 – Chandler, AZ 85286 – (480) 759-1970 – View Map - Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive write business for a single company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Drivers often buy from the same agent for years mostly because of the brand name instead of buying on price only.
Below are Chandler exclusive agents willing to provide rate quotes.
- Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14 – Chandler, AZ 85248 – (480) 666-7996 – View Map - Farmers Insurance – Peter Fenton
287 E Frye Rd #3 – Chandler, AZ 85225 – (480) 351-0629 – View Map - Allstate Insurance: Thomas Lane
1835 W Chandler Blvd Ste 201 – Chandler, AZ 85224 – (480) 857-1384 – View Map
Finding the right insurance agent should include more criteria than just a cheap price. These are some questions your agent should answer.
- How long has their agency been open in Chandler?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the agent properly licensed in Arizona?
- If you raise deductibles, how much can you save?
- Do the agents have professional certifications like CPCU or CIC?
- Can they help ensure a fair claim settlement?
There’s no such thing as the perfect car insurance policy
When quoting and comparing your policy for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that.
For example, these questions may help you determine whether you will benefit from professional help.
- Is my ex-spouse still covered by my policy?
- Should I buy additional glass protection?
- Do I need PIP coverage since I have good health insurance?
- Do I have ACV or replacement cost coverage?
- Am I covered if I drive in a foreign country?
- How do I file an SR-22 for a DUI in Arizona?
- Is other people’s property covered if stolen from my vehicle?
- Are rock chip repairs covered?
- If my car is totaled with they pay enough to replace it?
- Do I have any recourse if my insurance company denies a claim?
If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Components of Your Mazda RX-8 Insurance Premiums
Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic like an MVR report, although some other factors are not as apparent such as your marital status or your commute time.
Low mileage costs less – Driving a lot of miles in a year’s time the more it will cost to insure it. Many insurance companies charge rates based on their usage. Cars and trucks not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy is showing the right rating data. An incorrectly rated RX-8 may be costing you.
Discounts for multiple policies – Most insurers provide lower prices to customers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still compare other company rates to ensure the best deal.There is a chance you can save even more even if you have your coverage with different companies
Get better rates if married – Having a wife or husband may save some money on auto insurance. Having a spouse demonstrates that you tend to be more financially stable and insurance companies like that drivers who are married file infrequent claims.
Low physical damage deductibles mean high prices – Your deductibles are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. A few examples of covered claims would be a windshield broken by a bird, fire damage, or theft of your vehicle. The higher the amount you’re willing to pay, the less your company will charge you for insurance.
Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means less claims paid and lower rates for you.
Decrease rates by maintaining coverage – Not maintaining insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, not being able to provide proof of insurance could result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with the Arizona motor vehicle department to get your license reinstated.
Three reasons car insurance is important
Even though it’s not necessarily cheap to insure a Mazda in Chandler, maintaining insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to drive the car. 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 you have a loan on your vehicle, most lenders will make it a condition of the loan that you have physical damage coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender will be forced to insure your Mazda at a more expensive rate and force you to reimburse them for it.
- Insurance safeguards not only your car but also your assets. Insurance will pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance more than offset the price you pay, specifically if you ever have a liability claim. But the average American driver overpays more than $865 each year so it’s important to compare rates at least once a year to help ensure money is not being wasted.
Auto insurance company ratings
Buying coverage from the best insurance company is difficult considering how many choices drivers have in Arizona. The company ratings listed below can help you pick which car insurance companies to look at putting your business with.
Top 10 Chandler Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Chandler Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
A little work can save a LOT of money
Affordable Mazda RX-8 insurance in Chandler can be sourced both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. Some companies may not have price quotes online and usually these smaller companies provide coverage only through independent agencies.
We just showed you quite a bit of information on how to reduce Mazda RX-8 insurance rates online in Chandler. It’s most important to understand that the more companies you get car insurance rates for, the higher the chance of saving money. Consumers could even find that the lowest rates come from some of the lesser-known companies. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm and Allstate.
For more information, feel free to browse the following helpful articles:
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Rates for a School Permit in Chandler? (FAQ)
- Who Has Affordable Chandler Auto Insurance for a Toyota RAV4? (FAQ)
- How Much are Chandler Car Insurance Rates for Drivers with Bad Credit? (FAQ)
- Who Has Affordable Auto Insurance Rates for Safe Drivers in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Credit Scores in Chandler? (FAQ)
- How Much is Car Insurance for Welfare Recipients in Chandler? (FAQ)
- How Much is Car Insurance for Good Drivers in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance for 4×4 Vehicles in Chandler? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Equinox in Chandler? (FAQ)
- How Much are Car Insurance Rates for College Graduates in Chandler? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Your Car has been Stolen: Now What? (Allstate)
- Auto Insurance for Teen Drivers (Insurance Information Institute)