Want to save money and find more affordable Honda Clarity insurance in Chandler? Nobody I know anticipates paying for auto insurance, in particular when they could find lower prices if they just compared rates.
It’s a known fact that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around at least once a year will probably switch companies because there is a good chance of finding a lower rate. A study discovered that drivers who made a habit of comparing rates saved as much as $72 a month as compared to drivers who never shopped around for lower prices.
If finding the best rates on auto insurance is the reason you’re here, then having some insight into the best way to quote and compare auto insurance can help you be more efficient.
Steps to saving money on Honda Clarity insurance in Chandler
If saving the most money is your goal, then the best way to get more affordable Honda Clarity insurance in Chandler is to annually compare prices from providers in Arizona. Price quotes can be compared by completing these steps.
Step 1: Take a few minutes and learn about what is in your policy and the things you can control to keep rates down. Many rating criteria that drive up the price such as at-fault accidents, careless driving, and your credit history can be amended by paying attention to minor details.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agents can provide price quotes from many different companies. View a list of agents
Step 3: Compare the new rate quotes to the price on your current policy and determine if there is any savings. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your agent or company to cancel your existing policy. Submit a down payment along with a completed application to your new agent or company. As soon as you have the new policy, keep your new proof of insurance paperwork in your glove compartment.
One piece of advice is to use the same level of coverage on each quote request and and to compare every insurance company. This provides a fair rate comparison and a thorough price selection.
There are many insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more challenging to find the lowest cost provider for Honda Clarity insurance in Chandler.
Buying affordable auto insurance in Chandler is really not that difficult. If you have insurance now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Consumers only need to know the fastest way to compare rates online from multiple companies.
The easiest way to get policy rate comparisons for Honda Clarity insurance in Chandler is to understand almost all companies allow for online access to provide you with a free rate quote. The only thing you need to do is give the companies some data such as if you require a SR-22, daily mileage, the make and model of your vehicles, and if your license is active. Your details gets sent immediately to many different companies and you will get price comparisons instantly to find the best rate.
To check Honda Clarity insurance prices now, click here and enter the information requested.
The companies shown below can provide price comparisons in Chandler, AZ. If you want to find the best cheap auto insurance in Arizona, we suggest you get prices from several of them to get the cheapest price.
Affordable rates on Honda Clarity insurance in Chandler with these discounts
Auto insurance companies don’t list every discount very clearly, so here is a list some of the best known in addition to some of the lesser obvious credits available to bring down your rates.
- College Student Discount – Children living away from Chandler attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
- Paperwork-free – Certain companies will give a small break for buying your policy on their website.
- Federal Employees – Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.
- Defensive Driving Course – Completing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
- Professional Organizations – Being in qualifying clubs or civic groups is a simple method to lower premiums on your policy.
A quick disclaimer, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will definitely lower your overall premium however.
A few popular companies and their offered discounts include:
- Farmers Insurance has discounts for distant student, teen driver, business and professional, youthful driver, multi-car, and good student.
- State Farm may have discounts that include accident-free, passive restraint, safe vehicle, defensive driving training, and multiple autos.
- Liberty Mutual offers discounts including newly retired, multi-car, new move discount, multi-policy, hybrid vehicle, good student, and new graduate.
- MetLife policyholders can earn discounts including good student, accident-free, good driver, multi-policy, claim-free, defensive driver
- Progressive has savings for homeowner, good student, online quote discount, continuous coverage, multi-vehicle, multi-policy, and online signing.
When comparing rates, check with every company which credits you are entitled to. A few discounts might not be offered on policies in your state. To view insurance companies offering auto insurance discounts in Arizona, click this link.
Car insurance just makes sense
Despite the fact that car insurance is not cheap in Chandler, car insurance is not optional due to several reasons.
First, most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage if you want to drive legally. 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.
Second, if you took out a loan on your vehicle, most banks will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you do not keep the policy in force, the lender may insure your Honda at a much higher premium rate and make you pay a much higher amount than you were paying before.
Third, car insurance protects your car and your assets. It also can pay for many types of medical costs incurred in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Honda as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. According to a 2015 survey, the average American driver overpays more than $700 annually so you should quote and compare rates at least once a year to make sure the price is not too high.
Arizona car insurance company ratings
Picking the best insurance provider is hard considering how many different companies there are to choose from in Arizona. The ranking data below may help you choose which car insurance providers you want to consider shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
What insurance coverages do I need?
When choosing the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine whether your personal situation may require specific advice.
- Does coverage extend to my business vehicle?
- What if I owe more than I can insure my car for?
- What can I do if my company won’t pay a claim?
- Is there a penalty for late payment?
- What companies insure drivers after a DUI or DWI?
- Will damage be repaired with OEM parts?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
Local Chandler insurance agents and auto insurance
Many drivers just want to have an agent’s advice and that can be a smart move Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing rate quotes online is you can get the lowest rates and also buy local.
Upon completion of this short form, your insurance data is emailed to agents in your area that can provide free Chandler car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to find an agent since rate quotes are delivered to you instantly. If you wish to quote rates for a specific company, don’t hesitate to navigate to their website and give them your coverage information.
Choosing an company requires you to look at more than just the premium amount. Some important questions to ask are:
- If your car is in the repair shop, do you have coverage for a rental car?
- Will the agent or a CSR service your policy?
- Does the company have a local claim office in Chandler?
- Does the agent have professional designations like CIC, CPCU or AIC?
- If you raise deductibles, how much can you save?
- Can they provide you with a list of referrals?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have 24-hour customer assistance?
If you are searching for a local insurance agency, you need to know there are two types of insurance agents to choose from. Auto insurance agencies are classified as either exclusive or independent (non-exclusive). Either one can write auto insurance policies, but it’s a good idea to understand how they are different since it may influence which agent you choose.
Exclusive Insurance Agencies
Agents of this type can only provide one company’s prices and some examples include Farmers Insurance or State Farm. They are unable to shop your coverage around so always compare other rates. They receive extensive training on their company’s products which aids in selling service over price.
Listed below is a list of exclusive insurance agents in Chandler who may provide you with price quotes.
Farmers Insurance – Larry Little
2420 W Ray Rd #2 – Chandler, AZ 85224 – (480) 966-9449 – View Map
State Farm: Tara Poaletti
300 N Gila Springs Blvd #150 – Chandler, AZ 85226 – (480) 659-5263 – View Map
Farmers Insurance – Delia Aguirre
813 W Elliot Rd #6 – Chandler, AZ 85225 – (480) 491-3232 – View Map
Independent Agents
Agents of this type are not limited to a single company so as a result can place your coverage with any number of different companies and find the cheapest auto insurance rates. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. If you are comparing auto insurance prices, you need to get some free quotes from a few independent agents for the best price selection.
Below is a short list of independent insurance agencies in Chandler that can give you comparison quotes.
Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map
J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map
Poothills Insurance
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970 – View Map