It goes without saying that car insurance companies want to keep you from comparing prices. Insureds who shop for lower rates will presumably move their business because they have good chances of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates regularly saved about $850 each year compared to people who don’t regularly compare prices.
If finding the cheapest price for Toyota Tacoma insurance is the reason you’re reading this, then having some knowledge of how to shop for insurance premiums can make the process more efficient.
If saving the most money is your goal, then the best way to save on auto insurance rates in Chandler is to start doing a yearly price comparison from insurers who sell auto insurance in Arizona. Rate comparisons can be done by completing these steps.
- First, read about how companies set rates and the modifications you can make to prevent expensive coverage. Many rating factors that result in higher prices such as multiple speeding tickets and a lousy credit rating can be improved by making minor changes to your lifestyle.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple companies.
- Third, compare the new rates to the price on your current policy and see if there is a cheaper rate. If you find a better price, make sure there is no lapse in coverage.
The key thing to know about shopping around is that you’ll want to make sure you compare the same level of coverage on every quote request and and to get rate quotes from as many companies as possible. This guarantees the most accurate price comparison and the most accurate and complete price analysis.
Buying the cheapest car insurance in Chandler is really quite easy. If you currently have a car insurance policy, you will most likely be able to get lower rates using the tips covered below. But Arizona drivers need to learn the way insurance companies price online insurance and use it to find better rates.
Just remember that more quotes helps improve the odds of finding a lower rate.
The following companies can provide free quotes in Arizona. If multiple companies are listed, we suggest you get rates from several of them to get the most competitive price.
Statistics and details
The data table displayed below outlines estimates of insurance premium costs for Toyota Tacoma models. Understanding more about how car insurance premiums are figured can help guide drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $142 | $308 | $314 | $18 | $94 | $876 | $73 |
| Tacoma 4WD | $162 | $254 | $314 | $18 | $94 | $842 | $70 |
| Tacoma Double Cab 4WD | $162 | $308 | $314 | $18 | $94 | $896 | $75 |
| Tacoma X-Runner 2WD | $162 | $364 | $314 | $18 | $94 | $952 | $79 |
| Tacoma Double Cab 4WD | $182 | $308 | $314 | $18 | $94 | $916 | $76 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $182 | $308 | $314 | $18 | $94 | $916 | $76 |
| Tacoma Double Cab TRD Sport Package 4WD | $182 | $308 | $314 | $18 | $94 | $916 | $76 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in your specific Chandler location which can lower or raise coverage rates greatly.
The information below illustrates how your deductible choice and can raise or lower Toyota Tacoma insurance rates for different ages of insureds. The data is based on a married female driver, comp and collision included, and no other discounts are factored in.
Drive responsibly or pay higher rates
The information below highlights how traffic violations and at-fault claims increase Toyota Tacoma auto insurance costs for each different age category. The data is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
Insurance agents are professional risk managers
Many drivers just prefer to have an agent’s advice and there is nothing wrong with that. The biggest benefit of comparing rate quotes online is that you can obtain better rates and also buy local.
Upon completion of this short form, the quote information is emailed to agents in your area who can give free rate quotes for your insurance coverage. You won’t even need to find an agent because quoted prices will be sent instantly to you. You can get cheaper car insurance rates and an insurance agent to talk to. If for some reason you want to compare rates from one company in particular, you would need to find their quoting web page and fill out the quote form the provide.
Finding the right provider should depend on more than just a cheap price. The answers to these questions are important, too.
- Is there a 24/7 contact number?
- Is their price quote a firm figure or are their hidden costs?
- Does the agent recommend any additional coverage?
- What is their Better Business Bureau rating?
- Do you qualify for any additional discounts?
- If you raise deductibles, how much can you save?
When researching an insurance agent, it’s important to understand the different agency structures that you can choose from. Insurance agencies in Chandler can be described as either independent agents or exclusive agents depending on their employer.
Exclusive Agencies
These agents write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are highly trained on their company’s products which can be an advantage. Some consumers prefer to purchase coverage from exclusives mostly because of loyalty to the company and solid financial strength.
Listed below is a short list of exclusive insurance agents in Chandler that can give you comparison quotes.
- Farmers Insurance – Rick Downing
930 East Riggs Road Ste B7 – Chandler, AZ 85249 – (480) 961-3951 – View Map - Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14 – Chandler, AZ 85248 – (480) 666-7996 – View Map - American Family Insurance – Arturo Alatorre
600 W Ray Rd Ste D4 – Chandler, AZ 85225 – (480) 246-8479 – View Map
Independent Agents (or Brokers)
These agents often have affiliation with several companies and that allows them to write policies with any number of different companies and help determine which has the cheapest rates. If they find a lower price, your policy is moved internally and that require little work on your part.
When shopping rates, it’s a good idea to contact several independent agencies in order to compare the most rates. Most can insure with mutual insurance companies that may provide cheaper car insurance rates.
The following are independent insurance agencies in Chandler that are able to give price quotes.
- San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633 – View Map - Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 – View Map - Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797 – View Map
Chandler car insurance companies
Selecting a good quality insurer can be difficult considering how many different companies there are to choose from in Arizona. The company rank data shown below can help you select which auto insurance companies you want to consider purchasing from.
Top 10 Chandler Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Chandler Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance