Are you looking for a better way to compare lower-priced Kia Spectra insurance in Chandler? No one likes having to buy auto insurance, especially knowing their premiums are too high.
It’s well known that car insurance companies want to keep you from comparing rates. Consumers who shop for lower prices will, in all likelihood, switch to a new company because they have a good chance of finding a cheaper policy. A study showed that people who compared rates once a year saved about $865 a year as compared to drivers who never compared prices.
If finding the best rates on auto insurance in Chandler is the reason for your visit, understanding how to get rate quotes and compare insurance rates can help you succeed in saving money. Insurance companies such as Progressive, State Farm and GEICO increase brand awareness with ad campaigns and it is difficult to ignore the promise of big savings and take the time to shop coverage around.
It’s smart to do price comparisons once or twice a year since insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Kia Spectra insurance in Chandler a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.
If you have coverage now or are looking for a new policy, you can use these techniques to lower your rates and still get good coverage. Buying the cheapest insurance in Chandler is easy if you know what you’re doing. You just have to learn the most effective way to compare insurance rates from many different companies online.
The method we recommend to compare policy rates for Kia Spectra insurance in Chandler is to take advantage of the fact almost all companies participate in online systems to give free rates quotes. The one thing you need to do is take a few minutes to give details including if you have an active license, if you’re married, whether you have decent credit, and how much school you completed. The data gets transmitted to many of the top insurers and they return quotes instantly to find the best rate.
If you wish to get multiple quotes for your Kia Spectra now, click here and see if a lower rate is available in Chandler.
The companies shown below have been selected to offer quotes in Arizona. If multiple companies are listed, we recommend you visit two to three different companies in order to find the cheapest rates.
Smart Consumers Can Reduce Their Insurance Premiums
Lots of things are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although some other factors are not as apparent like where you live and annual miles driven.
The factors shown below are some of the most common factors utilized by car insurance companies to help set prices.
Gals tend to cost less – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Men and women are responsible for fender benders in similar percentages, but the males have costlier accidents. They also get higher numbers of serious violations like reckless driving and DUI. Youthful male drivers cause the most accidents and are penalized with high insurance rates.
Policy add-ons can waste money – Insurance policies have a lot of additional coverages that sound like a good idea at the time on your insurance policy. Insurance for personal injury protection, accident forgiveness, and term life insurance may be wasting your money. They may seem good initially, but if you have no use for them remove them and pocket the money.
Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
The type of car you drive affects your rates – The make and model of the car, truck or SUV you own makes a significant difference in your premium level. The lowest base rates will normally be found when insuring lower cost passenger cars, but the cost you end up paying is determined by many additional factors.
More policies can equal more savings – Most larger insurance companies will award discounts to policyholders that buy multiple policies. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount it’s still a good idea to check prices from other companies to help guarantee you have the best rates. Consumers may save even more than the discount even if you have your coverage with different companies
More traffic means higher claims – Having an address in areas with lower population has it’s advantages when buying insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents in addition to fewer liability claims.
Filing policy claims can increase rates – Auto insurance companies in Arizona give most affordable rates to people who do not file claims often. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Know your vehicle’s IIHS safety rating – Vehicles with good safety scores get lower rates. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy.
Protect more than your Kia Spectra
Even though it can be expensive, buying auto insurance is required for several reasons.
First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount 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.
Second, if you took out a loan on your vehicle, almost every bank will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender may insure your Kia at a much higher rate and require you to fork over the higher price.
Third, insurance safeguards not only your vehicle but also your assets. It will also cover medical transport and hospital expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. As of last year, the average driver in Arizona overpays more than $750 every year so compare quotes from several companies once a year at a minimum to ensure rates are inline.
Ratings for Arizona auto insurance companies
Picking the best auto insurance company is difficult considering how many companies sell coverage in Arizona. The ranking information shown below can help you pick which insurers to look at when shopping around.
Top 10 Chandler Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Chandler Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm