The best way to find the cheapest price for auto insurance rates in Chandler is to start comparing prices yearly from companies in Arizona.
First, gain an understanding of policy coverages and the steps you can take to lower rates. Many risk factors that result in higher prices like traffic citations, accidents, and a low credit score can be rectified by making lifestyle changes or driving safer.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources.
Third, compare the new rates to the price on your current policy to see if a cheaper rate is available in Chandler. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.
Fourth, notify your agent or company of your decision to cancel your current coverage and submit the application along with any required down payment for your new coverage. Immediately upon receiving it, keep the new certificate verifying proof of insurance in an easily accessible location.
One tip to remember is to make sure you enter identical coverage information on every quote and and to get price estimates from as many auto insurance providers as possible. This helps ensure a fair price comparison and the most accurate and complete price analysis.
It’s a known fact that auto insurance companies don’t want you to look at other companies. Insureds who shop rates annually will most likely buy a new policy because of the high probability of finding more affordable rates. Remarkably, a study showed that consumers who regularly shopped around saved about $865 a year compared to other drivers who don’t make a habit of comparing rates.
If finding the best rates on auto insurance is your ultimate goal, then having an understanding of how to quote prices and compare cheaper coverage can help simplify the process.
Cutting your Chandler car insurance rates is a great way to save money. All you need to do is spend a few minutes on the computer getting comparison quotes from online providers.
The car insurance companies shown below are our best choices to provide price quotes in Chandler, AZ. If your goal is to find the best car insurance in AZ, we recommend you click on several of them to get a more complete price comparison.
Insurance does more than just protect your car
Even though Chandler Taurus insurance rates can get expensive, insurance serves an important purpose.
First, almost all states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to license the 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.
Second, if your vehicle has a lienholder, most lenders will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may insure your Ford at a much higher premium rate and require you to fork over for the expensive policy.
Third, insurance protects your car and your assets. It will also cover medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of insuring your Taurus greatly outweigh the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying over $800 each year so smart consumers compare quotes at least once a year to ensure rates are competitive.
Auto insurance statistics for a Ford Taurus
The coverage table below covers a range of insurance rates for Ford Taurus models. Being more informed about how insurance quotes are calculated can aid in making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Taurus SEL AWD||$250||$456||$282||$16||$84||$1,088||$91|
|Taurus Limited AWD||$250||$524||$282||$16||$84||$1,156||$96|
|Taurus SHO AWD||$276||$524||$282||$16||$84||$1,182||$99|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in specific garaging location which can increase or decrease rates noticeably.
Earn discounts on Chandler auto insurance
Auto insurance is neither fun to buy or cheap, but there could be available discounts that can dramatically reduce your bill. Some discounts will apply when you quote, but some must be requested specifically prior to receiving the credit. If they aren’t giving you every credit you qualify for, you may be paying too high a price.
- Cautious Driver Discount – Drivers who avoid accidents can save up to 40% or more on their Chandler auto insurance quote compared to accident prone drivers.
- No Claims – Insureds who avoid accidents and claims get the best auto insurance rates compared to insureds who have frequent claims or accidents.
- Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for lower premium rates.
- Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and will save you 10% or more on Taurus insurance in Chandler.
Discounts lower rates, but most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free auto insurance policy, companies don’t profit that way. Any qualifying discounts should definitely cut the cost of your policy.
The example below visualizes the comparison of Ford Taurus car insurance rates with and without discounts applied. The premium estimates are based on a female driver, no claims, a clean driving record, 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, claim-free, multi-policy, marriage, homeowner, and multi-car discounts applied.
To view auto insurance companies with the best Ford Taurus insurance discounts in Chandler in Chandler, follow this link.
Exclusive versus independent car insurance agents
A small number of people prefer to have an agent’s advice and we recommend doing that Insurance agents can point out coverage gaps and will help you if you have claims. The biggest benefit of price shopping on the web is that you can obtain lower rates and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), the quote information gets sent to local insurance agents that can provide free Chandler auto insurance quotes for your business. You won’t need to contact any insurance agencies since price quotes are sent instantly to you. If you need to get a comparison quote from a specific company, you would need to go to their quote page and submit a quote form there.
Finding a good provider requires you to look at more than just a cheap quote. Some important questions to ask are:
- Do they have designations such as AIC, CPCU, or CIC?
- Does the agent recommend any additional coverage?
- Do they prorate repair cost based on vehicle mileage?
- Are they full-time agents?
- Will the agent or a CSR service your policy?
- Are there any discounts that you might be missing?
Different types of auto insurance agents in Chandler
When finding a local agent, there are a couple of different types of agents and how they can quote your rates. Insurance agencies can be classified as either independent or exclusive. Either type can insure your vehicles, but it is important to understand how they are different because it can impact the kind of agent you use.
Exclusive Insurance Agents
These type of agents write business for a single company and examples are American Family, State Farm, and AAA. These agents are unable to give you multiple price quotes so keep that in mind. Exclusive agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent mostly because of the brand name and strong financial ratings.
Listed below is a short list of exclusive agents in Chandler willing to provide comparison quotes.
- Bill Quigley – State Farm Insurance Agent
825 West Warner Road – Chandler, AZ 85225 – (480) 899-7878 – View Map
- Allstate Insurance: Joe Kennedy
2330 N Alma School Rd Ste 126 – Chandler, AZ 85224 – (480) 526-8277 – View Map
- State Farm: Randy Eller
7050 W Chandler Blvd – Chandler, AZ 85226 – (480) 961-4884 – View Map
Independent Agencies or Brokers
Agents that elect to be independent do not have single company limitations and that enables them to quote your coverage through many companies and find the cheapest insurance rates. If your agent finds better pricing, your policy is moved internally which requires no work on your part. If you are trying to find cheaper rates, you will want to include independent agents so that you have a good selection of quotes to compare. Many write coverage with additional companies that you may not be familiar with that may provide cheaper insurance rates.
The following are Chandler independent agents that can give you comparison quotes.
- Boudreaux, Jerrold Arizona Insurance SVC
393 W Warner Rd # 117 – Chandler, AZ 85225 – (480) 890-7900 – View Map
- Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050 – View Map
- Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408 – View Map
After getting reasonable responses to all your questions as well as an affordable premium quote, you may have just found a car insurance agent that meets the requirements to provide insurance coverage. Just remember policyholders can cancel your coverage whenever you want so never feel you’re contractually obligated to a specific agent indefinitely.
A little work can save a LOT of money
Budget-friendly auto insurance in Chandler can be bought online in addition to many Chandler insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer internet price quotes and most of the time these small, regional companies sell through independent agents.
When you buy Chandler auto insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.
Insureds leave their current company for a variety of reasons including high rates after DUI convictions, high prices, an unsatisfactory settlement offer or delays in responding to claim requests. No matter why you want to switch, switching companies is less work than it seems.
- All About Airbag Safety (State Farm)
- How Much is Chandler Car Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Chandler Auto Insurance for Seniors? (FAQ)
- Who Has Affordable Car Insurance Rates for Uninsured Drivers in Chandler? (FAQ)
- How Much is Auto Insurance for High Mileage Drivers in Chandler? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Winter Driving (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)