Are you looking for lower-priced auto insurance rates in Chandler, AZ? Chandler shoppers have lots of choices when shopping for affordable Toyota Yaris iA insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to make rate comparisons.
There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to get price quotes for a new or used Toyota and locate the best price possible.
Consumers should take time to compare premium rates yearly because rates are adjusted regularly by insurance companies. Even if you think you had the lowest premium rates on Toyota Yaris iA insurance in Chandler two years ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because I’m going to teach you how to quote online to find better rates and still maintain coverage.
This article’s intent is to teach you the best methods to compare rates and some tricks to saving. If you currently have auto insurance, you will definitely be able to find the best rates using these tips. You just have to learn how to buy auto insurance from many companies at once.
Best Toyota Yaris iA insurance rate quotes in Arizona
The following companies are ready to provide free quotes in Chandler, AZ. In order to find cheap car insurance in Chandler, AZ, it’s a good idea that you visit several of them in order to get a fair rate comparison.
How to Lower Your Insurance Prices
The best way to find cheaper car insurance is to take a look at the different types of things that play a part in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.
The itemized list below are just a few of the factors car insurance companies consider when setting your rates.
- Incidental coverages you don’t use – There are a lot of optional add-on coverages that sound like a good idea at the time on your car insurance policy. Add-on coverages like roadside assistance, towing, and extra equipment coverage may be wasting your money. You may think they are a good idea when buying your policy, but if you have no use for them remove them and pocket the money.
- Never let your policy expire – Going without insurance will be a sure-fire way to increase your car insurance rates. Not only will rates go up, getting caught without coverage may result in fines or a revoked license.
- Drive less and save – Driving more miles each year the more you will pay for car insurance. Most insurance companies charge rates determined by how the vehicle is used. Autos that have low annual miles qualify for better rates compared to those used for work or business. Ask your agent if your car insurance declarations sheet is showing the correct usage, because it can save money. An improperly rated Yaris iA can cost quite a bit.
- Car insurance liability protection limits – Liability insurance will protect you if ever a jury decides you are liable for personal injury or accident damage. Your liability coverage provides for a legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
- Reserve car insurance claims for larger damages – Car insurance companies in Arizona provide most affordable rates to policyholders who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
Cheaper rates with these price cutting discounts
Some providers do not list every available discount very clearly, so we researched both the well known as well as the least known insurance savings.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
- Student Discount for Driver Training – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
- Defensive Driver – Taking part in a safe driver course can save you 5% or more and make you a better driver.
- Accident Forgiveness – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
- Distant Student – Children who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
- E-sign Discounts – Some insurance companies will give you a small discount for completing your application digitally online.
- Own a Home and Save – Being a homeowner may trigger a policy discount on insurance because maintaining a house means you have a higher level of financial diligence.
- Good Student – Performing well in school may save as much as 25% on a Chandler car insurance quote. Earning this discount can benefit you until age 25.
You should keep in mind that most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.
To see a list of insurance companies that offer some of these discounts in Arizona, click here.
Do I need an insurance agency?
Some people would prefer to talk to an insurance agent and doing so can bring peace of mind Good insurance agents can make sure you are properly covered and help you file claims. An additional benefit of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still choose a local agent. Buying from and supporting local insurance agencies is definitely important in Chandler.
Upon completion of this form (opens in new window), the coverage information is immediately sent to local insurance agents who will return price quotes to get your business. You won’t even need to search for an agent because quoted prices will be sent to you instantly. If for some reason you want to get a price quote from a specific insurance provider, you just need to jump over to their website to submit a rate quote request.
When looking for a local insurance agency, it can be helpful to understand the types of insurance agents that you can choose from. Agencies in Chandler are either independent agents or exclusive agents depending on their employer. Both can insure your vehicles, but we need to point out the difference between them since it may influence your agent selection.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent do not have single company limitations and that enables them to quote your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally and the insured can keep the same agent.
When comparing insurance rates, we recommend you include a few independent agents to maximize your price options. Most also have access to small regional insurance companies who may have lower rates.
Below is a partial list of independent agents in Chandler who can help you get free price quotes.
- J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map
- Taylor Insurance Agency
920 W Chandler Blvd #1 – Chandler, AZ 85225 – (480) 264-6226 – View Map
- Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056 – View Map
Exclusive Insurance Agencies
These agents write business for a single company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are well trained in insurance sales and that can be a competitive advantage. Consumers sometimes use the same agent mostly because of the prominent brand name instead of buying on price only.
The following are exclusive agents in Chandler willing to provide price quotes.
- Farmers Insurance: Mike Canez
381 N Arizona Ave – Chandler, AZ 85225 – (480) 786-5302 – View Map
- American Family Insurance – Michael Pinta Agency Inc.
5505 W Chandler Blvd Ste 19 – Chandler, AZ 85226 – (480) 785-1500 – View Map
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map
Finding the right car insurance agent is decision based upon more than just a cheap price. Here are some questions you might want to ask.
- Do they regularly work with personal auto policies in Chandler?
- Does the agent have a valid license to sell insurance in Arizona?
- Do they offer claims assistance after hours?
- Do they get extra compensation for selling add-on coverages?
- Do you work with a CSR or direct with the agent?
How to know if you need help
When quoting and comparing coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.
For example, these questions can help discover if you would benefit from professional advice.
- Should I rate my vehicle as business use?
- Does my policy pay for OEM or aftermarket parts?
- Does insurance cover tools stolen from my truck?
- What does medical payments coverage do?
- What does medical payments cover?
- When can my company non-renew my policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- How much liability insurance is required?
- What policy terms are available?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Cheap Toyota Yaris iA insurance in Chandler can be found both online in addition to local insurance agencies, so you need to shop Chandler car insurance with both to have the best selection. Some insurance companies may not offer online price quotes and these smaller companies provide coverage only through independent agents.
When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. In many instances, someone sacrificed full coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.
People leave their current company for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, policy non-renewal and even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance provider is not as hard as you think.
Steps to finding low-cost Toyota Yaris iA insurance in Chandler
Truthfully, the best way to get the cheapest Toyota Yaris iA insurance is to start comparing prices yearly from different companies that sell auto insurance in Chandler.
- Read about how car insurance works and the measures you can take to drop your rates. Many things that cause high rates like traffic citations and a low credit rating can be controlled by making minor changes in your lifestyle.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while agents who are independent can quote prices from many different companies.
- Compare the new rates to the price on your current policy to determine if you can save on Yaris iA insurance. If you find a better price, ensure coverage does not lapse between policies.
The critical component of shopping around is to use identical coverage information on every quote request and and to get price estimates from as many companies as feasibly possible. Doing this provides a fair rate comparison and the best price selection.
Much more information about insurance in Arizona can be found on the following sites:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- How Much is Chandler Auto Insurance for 17 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Kia Forte in Chandler? (FAQ)
- Who Has Affordable Chandler Auto Insurance Rates for First-time Drivers? (FAQ)
- How Much is Car Insurance for Infrequent Drivers in Chandler? (FAQ)
- What Insurance is Cheapest for Immigrants in Chandler? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)