If you want to save money, the best way to find affordable quotes for car insurance rates is to start comparing prices regularly from different companies that insure vehicles in Chandler.
- It will benefit you to learn about how auto insurance works and the measures you can take to prevent high rates. Many rating criteria that cause high rates like multiple speeding tickets and an imperfect credit rating can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover tips to lower rates and get discounts that may be overlooked.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while independent agents can provide prices from many different companies.
- Compare the price quotes to your existing policy to see if a cheaper rate is available. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Notify your company or agent to cancel your current coverage. Submit payment along with a signed and completed policy application for the new coverage. As soon as you receive it, put the certificate verifying proof of insurance somewhere easily accessible.
The most important part of this process is to compare similar deductibles and liability limits on each price quote and and to analyze every company you can. This guarantees a fair price comparison and a complete selection of prices.
Remarkably, a study showed that the vast majority of consumers have remained with the same auto insurance company for more than four years, and just under half have never shopped around. Arizona insurance shoppers could save an average of 50% each year by just comparing quotes, but they underestimate the amount of savings they would get if they switched.
Locating the best rates in Chandler is quite easy if you know the best way to do it. If you have a policy now or need a new policy, use these money-saving tips to get lower rates while maximizing coverage. Drivers just have to use the tricks to compare different rates online.
Cheap Honda insurance prices in Chandler
The following companies have been selected to offer price quotes in Chandler, AZ. To buy the best cheap auto insurance in Chandler, AZ, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Insurance coverage analysis
The table displayed next outlines a range of policy rates for Honda Insight models. Having a better idea how policy rates are figured can help you make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $216 | $526 | $390 | $24 | $116 | $1,272 | $106 |
| Insight EX | $248 | $620 | $390 | $24 | $116 | $1,398 | $117 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific Chandler garaging location which can increase or decrease prices significantly.
Choosing deductibles
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The figures shown below can help you understand the rate fluctuation when you buy lower versus higher policy deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Insight EX | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Insight LX | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Insight EX | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates considerably.
Using the data above, we can ascertain that using a $100 deductible costs an average of $31 more each month or $372 every year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 29 months between claims, you would save more money by going with a higher deductible.
The example below illustrates how your choice of deductibles and can change Honda Insight yearly insurance costs for different categories of driver ages. The costs are based on a married male driver, comp and collision included, and no discounts are factored in.
Impact of careless driving on auto insurance rates
The information below shows how traffic citations and at-fault claims increase Honda Insight auto insurance costs for each different age group. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Auto insurance rates by gender and age in Chandler
The chart below compares Honda Insight insurance prices for male and female drivers. The price estimates are based on no claims, a clean driving record, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.
Score discounts on Chandler auto insurance
The price of auto insurance can be rather high, but there may be some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you get a quote, but some must be inquired about before you will receive the discount.
- Multiple Policy Discount – If you can combine your homeowners and auto policy and insure them with the same company you may earn approximately 10% to 15%.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up may be able to save a few bucks on the medical payments or PIP coverage costs.
- Distant Student Discount – Children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of up to 25% or more.
- Active Service Discounts – Being deployed with a military unit could be rewarded with lower premium rates.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
A little note about advertised discounts, most of the big mark downs will not be given to the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you could get a free auto insurance policy, it just doesn’t work that way.
The example below shows the difference between Honda Insight auto insurance costs with and without discounts. The prices are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, multi-car, marriage, and homeowner discounts applied.
A list of companies and their offered discounts are shown below.
- State Farm offers discounts including multiple policy, defensive driving training, Steer Clear safe driver discount, good driver, and anti-theft.
- GEICO offers premium reductions for air bags, daytime running lights, seat belt use, anti-theft, and military active duty.
- SAFECO may offer discounts for bundle discounts, teen safety rewards, teen safe driver, drive less, multi-car, anti-theft, and accident prevention training.
- Farmers Insurance has discounts for switch companies, good student, teen driver, mature driver, homeowner, and electronic funds transfer.
- AAA may have discounts that include AAA membership discount, multi-policy, good student, pay-in-full, good driver, anti-theft, and multi-car.
- USAA policyholders can earn discounts including defensive driver, multi-policy, new vehicle, driver training, and military installation.
Double check with all companies you are considering to give you their best rates. All car insurance discounts might not be offered in Chandler.
When to get advice from an agent
Certain consumers still prefer to sit down and talk to an agent and that is just fine! Good agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of getting free rate quotes online is the fact that you can find better rates but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, your insurance coverage information is transmitted to local insurance agents that provide free Chandler car insurance quotes for your coverage. You never need to do any legwork due to the fact that quote results will go immediately to you. In the event you want to quote rates from a specific company, just jump over to their website and complete a quote there.
Finding the right provider should include more criteria than just the premium amount. Here are some questions you might want to ask.
- Will you get a loaner vehicle if you car is being repaired?
- Will they give you a referral list?
- Do they see any coverage gaps in your plan?
- Do the companies they represent have a solid financial rating?
- Does the company use OEM repair parts?
- What discounts might you be missing?
- How long have they been in business?
Do you need an independent or exclusive auto insurance agent?
If you want a local insurance agency, it can be helpful to understand the different types of agencies and how they operate. Agencies in Chandler are either exclusive or independent. Either one can sell and service car insurance coverage, but it’s good to learn why they differ since it may influence your agent selection.
Exclusive Agencies
Agents in the exclusive channel can only provide pricing for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are well schooled on sales techniques and that can be a competitive advantage. Some people will only buy from the same agent for years mainly due to loyalty to the company and solid financial strength.
Shown below is a short list of exclusive insurance agencies in Chandler willing to provide price quote information.
- State Farm: Tara Poaletti
300 N Gila Springs Blvd #150 – Chandler, AZ 85226 – (480) 659-5263 – View Map - Jason Earl – State Farm Insurance Agent
3120 S Gilbert Rd #4 – Chandler, AZ 85286 – (480) 895-2040 – View Map - Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763 – View Map
Independent Agents
These type of agents often have many company appointments and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If they find a lower price, they can switch companies in-house and you won’t have to switch agencies.
If you need lower rates, you absolutely need to include a few independent agents to maximize your price options. Many can place coverage with smaller regional carriers that may have much lower rates than larger companies.
The following are independent insurance agents in Chandler that are able to give price quotes.
- Independent Insurance Agent
5165 S Eileen Dr – Chandler, AZ 85248 – (480) 220-7233 – View Map - Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map - Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050 – View Map
Which auto insurance company is best in Arizona?
Choosing the top auto insurance provider can be a challenge considering how many companies sell coverage in Chandler. The company ratings in the next section could help you choose which auto insurance companies to look at purchasing coverage from.
Top 10 Chandler Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
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
Affordable auto insurance rates are out there
As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best possible price, but do not skimp to save money.
Consumers switch companies for many reasons like high rates after DUI convictions, not issuing a premium refund, delays in responding to claim requests or even denial of a claim. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.
Low-cost Honda Insight insurance in Chandler can be sourced both online and also from your neighborhood Chandler agents, and you should compare rates from both to get a complete price analysis. Some insurance providers may not have internet price quotes and these smaller providers only sell through independent agencies.
More resources
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for State Employees in Chandler? (FAQ)
- Who Has Affordable Chandler Auto Insurance for a Toyota RAV4? (FAQ)
- How Much is Car Insurance for Welfare Recipients in Chandler? (FAQ)
- How Much is Auto Insurance for High Mileage Drivers in Chandler? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)