The easiest way to get discount auto insurance rates in Chandler is to compare prices regularly from providers in Arizona.
- Spend some time learning about car insurance and the modifications you can make to prevent rate increases. Many things that drive up the price like traffic citations, accidents, and an imperfect credit rating can be rectified by making small lifestyle or driving habit changes.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agencies can quote prices for a wide range of insurance providers.
- Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
- Provide notification to your current agent or company to cancel your existing policy and submit payment and a completed application to the new insurer. Once coverage is bound, place your new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
One tip to remember is to make sure you’re comparing similar deductibles and liability limits on each quote and and to get prices from as many carriers as you can. This guarantees an apples-to-apples comparison and and a good selection of different prices.
Shockingly, the vast majority of auto insurance customers have remained with the same auto insurance company for at least four years, and nearly 40% of drivers have never compared rates with other companies. With the average auto insurance premium being $1,580, Chandler drivers can save roughly 50% each year by just comparing quotes, but most undervalue how much savings they would realize if they swap their current policy for a cheaper one.
The fastest way that we advise to compare policy rates for Chevy Spark EV insurance in Chandler is to know the trick most larger insurance companies actually pay money for the chance to provide you with free rate quotes. All you need to do is provide details like how much education you have, which vehicles you own, how your vehicles are used, and if you require a SR-22. That rating data is instantly provided to many highly-rated insurers and you will receive price estimates very quickly.
If you would like to compare rates now, click here and find out if lower rates are available in Chandler.
The companies in the list below are ready to provide free quotes in Arizona. If you wish to find cheap auto insurance in Arizona, we suggest you visit two to three different companies to get a more complete price comparison.
Insurance protects more than just your car
Despite the high cost of buying insurance for a Chevy Spark EV in Chandler, insuring your vehicle is required in Arizona but it also protects you in many ways.
- Just about all states have mandatory liability insurance requirements which means the state requires specific limits of liability 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.
- If you have a lien on your Chevy Spark EV, it’s most likely the lender will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Chevy at a more expensive rate and require you to reimburse them the higher price.
- Insurance preserves your Chevy and your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of having insurance more than offset the price you pay, especially when you need to use it. But the average driver in Arizona is currently overpaying as much as $850 per year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.
Detailed coverages of your insurance policy
Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.
Collision coverage covers damage to your Spark EV from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible on your Spark EV to save money on collision insurance.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Chevy Spark EV.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Liability insurance will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/10 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against things like bail bonds, court costs and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Arizona state minimum liability requirements are 15/30/10 but you should consider buying better liability coverage.
The illustration below shows why buying minimum limits may not be adequate coverage.
Comprehensive or Other Than Collision
This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hail damage, damage from getting keyed, hitting a bird, damage from flooding and theft. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
What is the best car insurance company in Chandler?
Finding the right car insurance provider is hard considering how many different insurance companies sell coverage in Chandler. The ranking information shown below could help you decide which coverage providers to look at purchasing from.
Top 10 Chandler Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance