If your goal is the lowest price, then the best way to find low-cost prices for car insurance rates is to compare prices once a year from insurers in Chandler.
First, gain an understanding of how companies set rates and the modifications you can make to keep rates low. Many rating factors that cause rate increases like inattentive driving and a less-than-favorable credit history can be amended by making small lifestyle or driving habit changes. Keep reading for information to help prevent high rates and get additional discounts.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agencies can give you price quotes for many different companies.
Third, compare the price quotes to the premium of your current policy to determine if you can save on Beetle insurance. If you can save some money, make sure there is no lapse in coverage.
Fourth, give proper notification to your current agent or company to cancel the current policy. Submit the signed application along with the required initial payment to the newly selected company. As soon as coverage is bound, safely store the certificate verifying proof of insurance in an easily accessible location in your vehicle.
An important bit of advice to remember is to use the same liability limits and deductibles on every price quote and and to compare as many companies as you can. Doing this ensures the most accurate price comparison and a complete selection of prices.
Unimaginable but true, a large majority of drivers in Arizona have been with the same company for well over three years, and almost half have never even compared quotes to find lower-cost rates. The average driver in America could pocket as much as $850 a year just by getting comparison quotes, but they assume it’s a waste of time to compare rates.
Companies offering competitive Volkswagen Beetle rate quotes in Chandler, AZ
The following companies can provide comparison quotes in Arizona. To buy the best car insurance in Arizona, we suggest you click on several of them to get the lowest price.
Volkswagen Beetle insurance analysis
The table shown below highlights a range of rate quotes for Volkswagen Beetle models. Having insight into how insurance premiums are established can help you make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Beetle S 2-Dr Hatchback||$120||$240||$260||$16||$78||$714||$60|
|Beetle 2-Dr Convertible||$156||$284||$202||$12||$60||$714||$60|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in garaging location in Chandler which can revise auto insurance rates greatly.
The chart below highlights how deductible choice and can affect Volkswagen Beetle annual premium costs for different insured age categories. Data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Volkswagen Beetle insurance costs by age and gender
The illustration below shows the comparison of Volkswagen Beetle yearly insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The example below compares Volkswagen Beetle annual premium costs when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no exact rule to exclude physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Volkswagen Beetle settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying your policy deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Save a ton with these ten discounts
Auto insurance companies don’t always advertise all possible discounts very clearly, so here is a list a few of the more common and the more hidden discounts that may be available. If they aren’t giving you every credit you deserve, you could be getting lower rates.
- Discount for Life Insurance – Some companies give a lower car insurance rate if you buy life insurance.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
- Save with More Vehicles Insured – Insuring more than one vehicle on one policy can reduce rates for all insured vehicles.
- Membership in Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates when shopping for car insurance.
- Driving Data Discount – Chandler drivers who agree to allow companies to track driving manner through the use of a telematics system such as Progressive’s Snapshot may see discounts if they have good driving habits.
- Savings for New Vehicles – Buying a new car instead of a used Beetle can cost up to 25% less since new vehicles have better safety ratings.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies will let one accident slide without raising rates if your claims history is clear prior to the accident.
- Seat Belt Usage – Requiring all passengers to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
- Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease depending on your company.
- E-sign – Certain insurance companies may give you up to $50 just for signing your application on the internet.
Keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you could get a free car insurance policy, you won’t be that lucky.
The example below shows the comparison of Volkswagen Beetle premium costs with and without discounts applied. The data is based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, multi-policy, and marriage discounts applied.
Companies and a selection of discounts can be read below.
- Farmers Insurance offers discounts for alternative fuel, multi-car, youthful driver, teen driver, business and professional, good student, and distant student.
- Esurance may include discounts for emergency road assistance, good student, Pac-12 alumni, anti-theft, and claim free.
- State Farm has savings for safe vehicle, good driver, student away at school, passive restraint, Steer Clear safe driver discount, anti-theft, and multiple autos.
- GEICO may have discounts that include defensive driver, seat belt use, five-year accident-free, multi-vehicle, multi-policy, and anti-lock brakes.
- Allstate has discounts for FullPay discount, senior citizen, auto/life discount, early signing, economy car, teenSMART discount, and anti-lock brakes.
Check with each company or agent which credits you are entitled to. Discounts may not be offered in your area. To locate car insurance companies that offer multiple discounts in Chandler, follow this link.
What if I want to buy from local Chandler insurance agents?
Many drivers would rather have an agent’s advice and doing that can be a smart decision A good thing about comparing insurance prices online is that you can find lower rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, your insurance coverage information gets sent to local insurance agents in Chandler that can give you free Chandler auto insurance quotes for your coverage. There is no reason to find an agent because prices are sent to you directly. You’ll get the best rates and work with a local agent. If you want to compare prices for a specific company, you can always navigate to their website and fill out their quote form.
Deciding on a provider should depend on more than just the premium amount. Get answers to these questions too.
- Is there a 24/7 contact number?
- How long has their agency been in business in Chandler?
- By raising physical damage deductibles, how much would you save?
- Can you use your own choice of collision repair facility?
- If you are a high risk driver, do they have special markets for your coverage?
Pick the best car insurance agent in Chandler for you
If you would like to find a reputable agency, it’s helpful to know the types of agencies that you can choose from. Agencies in Chandler can be described as either exclusive agents or independent agents.
Agents that choose to be exclusive can only quote rates from one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. They receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums. Some people will only buy from exclusive agents partially due to the brand instead of buying on price only.
Listed below are Chandler exclusive agencies that can give you price quotes.
- State Farm: Randy Eller
7050 W Chandler Blvd – Chandler, AZ 85226 – (480) 961-4884 – View Map
- Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100 – View Map
- American Family Insurance – Michael Pinta Agency Inc.
5505 W Chandler Blvd Ste 19 – Chandler, AZ 85226 – (480) 785-1500 – View Map
Independent Agencies or Brokers
Independent agencies are not employed by any specific company so as a result can place your coverage with an assortment of companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house and you stay with the same agent.
If you need cheaper insurance rates, you absolutely need to get several quotes from a couple of independent agencies for maximum quote selection. Most also have access to additional companies that you may not be familiar with that may provide cheaper insurance rates.
Listed below are independent agents in Chandler who can help you get comparison quotes.
- Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 – View Map
- Poothills Insurance
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970 – View Map
- Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408 – View Map
Specific coverage details
Having a good grasp of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive coverages – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hitting a deer, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage – This coverage will pay to fix damage to your Beetle caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible on your Beetle to save money on collision insurance.
Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses like nursing services, EMT expenses, prosthetic devices and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Beetle.
Since a lot of drivers have only the minimum liability required by law (which is 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Liability insurance – Liability coverage can cover injuries or damage you cause to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 15/30/10 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for things like legal defense fees, repair costs for stationary objects, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but you should consider buying more liability than the minimum.
The illustration below shows why minimum state limits may not be adequate coverage.
Affordable auto insurance premiums are out there
Budget-conscious Volkswagen Beetle insurance is available from both online companies and from local agencies, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies may not provide online quoting and these small insurance companies provide coverage only through independent insurance agencies.
Insureds change insurance companies for a number of reasons such as poor customer service, policy non-renewal, extreme rates for teen drivers or delays in paying claims. Whatever your reason, finding the right auto insurance provider can be less work than you think.
As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.
To read more, feel free to visit the resources below:
- Event Data Recorders FAQ (iihs.org)
- How Much are Car Insurance Rates for a GMC Sierra in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Credit Scores in Chandler? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance for a Company Car? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Chandler? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Understanding Car Crashes Video (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)