A recent survey discovered that over 70% of consumers kept buying from the same company for over three years, and just under half have never quoted insurance rates at all. With the average insurance premium being $1,847, American drivers could save themselves $850 a year just by comparing rates, but they don’t believe the large savings they would see if they swap their current policy for a cheaper one.
The most effective way to find affordable quotes for auto insurance rates is to regularly compare price quotes from companies in Chandler. Prices can be compared by completing these steps.
Step 1: Spend some time learning about coverages and the factors you can control to prevent expensive coverage. Many policy risk factors that drive up the price like traffic violations, accidents, and a low credit rating can be remedied by making minor changes in your lifestyle. This article gives more information to prevent high rates and find additional discounts.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can quote prices for many different companies.
Step 3: Compare the quotes to the price on your current policy to see if you can save by switching companies. If you can save money and make a switch, make sure there is no lapse in coverage.
Step 4: Tell your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new carrier. When you receive it, keep your new proof of insurance certificate in your vehicle.
An important bit of advice to remember is to use the same coverage limits and deductibles on every quote and to quote with as many companies as you can. Doing this provides a level playing field and maximum price selection.
How to compare Chandler Lincoln Mark LT insurance rate quotes
When looking for affordable Lincoln Mark LT insurance quotes, there are a couple ways of comparing rates from companies that offer auto insurance in Arizona. The recommended way to lower the rate you pay for Lincoln Mark LT insurance is to use the internet to compare rates.
Keep in mind that making a lot of price comparisons increases the chance that you will find a lower rate. Some insurance companies are not set up to provide rate quotes online, so it’s recommended that you also compare rates from those companies as well.
The following companies offer price comparisons in Chandler, AZ. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.
Why you need to buy auto insurance
Despite the high cost, auto insurance may be required and benefits you in several ways.
- Most states have mandatory insurance requirements which means you are required to carry a minimum amount of liability insurance coverage if you want to drive legally. 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 loan on your vehicle, almost every bank will require that you buy full coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Lincoln for a lot more money and force you to pay for the expensive policy.
- Insurance protects not only your Lincoln but also your assets. It will also cover many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Lincoln as the result of the weather or an accident, your policy will pay to repair the damage.
The benefits of carrying enough insurance more than cancel out the cost, especially if you ever need it. On average, a vehicle owner in Chandler is currently overpaying as much as $810 a year so compare rates each time the policy renews to save money.
Do you qualify for these six discounts?
Some providers do not advertise all possible discounts very well, so we break down some of the more common as well as some of the hidden savings tricks you should be using when you buy Chandler auto insurance online.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more on Mark LT insurance in Chandler.
- Early Signing – A few insurance companies allow discounts for switching policies before your current coverage expires. The savings is around 10%.
- Bundle and Save – If you have multiple policies with one company you will save as much as 10 to 15 percent.
- Government Employee Discount – Employees or retirees of the government may reduce rates when you quote Chandler auto insurance depending on your company.
- Professional Memberships – Participating in a professional or civic organization could trigger savings on car insurance.
- Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
Don’t be surprised that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
Companies who may offer most of the discounts above include:
Before purchasing a policy, check with each company to give you their best rates. Some discounts may not apply in your area. To view insurers with the best discounts in Arizona, click here.
Insurance is unique, just like you
When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply.
These are some specific questions might point out whether or not you would benefit from professional advice.
- Does my policy cover me if I wreck while driving under the influence?
- When should I not file a claim?
- How high should my medical payments coverage be?
- What is high-risk coverage and where do I buy it?
- Is pleasure use cheaper than using my Lincoln Mark LT to commute?
- Am I getting all the discounts available?
- What is UM/UIM insurance?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Arizona auto insurance companies ranked
Finding the highest-rated company can be difficult considering how many different insurance companies sell coverage in Arizona. The rank data in the lists below could help you choose which companies you want to consider when comparing rates.
Top 10 Chandler Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
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