The easiest way to find discount car insurance rates in Chandler is to start comparing prices yearly from companies who sell insurance in Arizona.
- Try to learn about how insurance companies determine prices and the measures you can control to drop your rates. Many risk factors that cause high rates like at-fault accidents, careless driving, and a low credit score can be controlled by paying attention to minor details. This article gives information to get low prices and earn a bigger discount.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from many different companies.
- Compare the new rates to your current policy to see if switching to a new carrier will save money. If you find better rates and change companies, ensure coverage does not lapse between policies.
- Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit the completed application along with a down payment for the new policy. Immediately upon receiving it, place the new certificate of insurance with the vehicle registration.
The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on each quote request and and to compare as many different companies as possible. Doing this ensures an apples-to-apples comparison and the most accurate and complete price analysis.
Unimaginable but true, the vast majority of consumers kept buying from the same company for at least four years, and roughly 40% of drivers have never quoted rates to find lower-cost coverage. Many consumers in Chandler could save themselves nearly 50% a year just by shopping around, but most just don’t grasp the actual amount they would save if they switched to a cheaper policy.
Locating the best insurance company for you in Chandler can be much easier if you know how to start. If you’re already insured, you will most likely be able to find the best rates using the concepts you’re about to learn. Nevertheless, Arizona car owners can benefit from knowing how insurance companies determine prices because rates are impacted by many factors.
Why Your Insurance Premiums might be higher
When buying auto insurance it’s important to understand some of the factors that come into play when calculating your premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that may reward you with lower premium levels.
- Additional coverages that may be costing you – There are a ton of extra add-on coverages that can waste your money on your auto insurance policy. Coverages like personal injury protection, high-cost glass coverage, and membership fees are some examples. They may sound like good ideas when discussing your needs, but if they’re wasting money remove them and pocket the money.
- Keep premiums low by being claim-free – Car insurance companies in Arizona give most affordable rates to insureds who do not file claims often. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- Is insurance cheaper for men or women? – Statistics demonstrate that females take fewer risks when driving. It does not mean females are better at driving than males. Males and females have fender benders in similar percentages, but males cause more damage and cost insurance companies more money. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers have the highest risk to insure and thus pay the highest rates.
- Careless drivers pay higher premiums – Drivers who don’t get tickets get better prices compared to drivers with tickets. Having just one moving violation can boost insurance rates by as much as thirty percent. Drivers who have received dangerous violations like DUI or reckless driving may be required to file a SR-22 with their state in order to legally drive.
- Lower rates for safer vehicles – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If the Volvo S60 scored at minimum four stars on Safercar.gov it may be receiving lower rates.
Insurance losses for a Volvo S60 – Insurers analyze claim trends for every vehicle to calculate a rate that will offset any claims. Models that tend to have higher claim frequency or loss amount will have a higher cost to insure.
The next table shows the loss history for Volvo S60 vehicles. For each coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Percentage values below 100 suggest a positive loss record, while values that are above 100 point to more frequent losses or an increased chance of larger losses than average.
Car Insurance Loss Data for Volvo S60 Models Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volvo S60 4dr 2WD 103 85 83 76 72 65 Volvo S60 4dr 4WD 111 73 90 65 66BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Cover all your bases
In this article, we covered some good ideas how to get a better price on Volvo S60 insurance in Chandler. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest rates come from a lesser-known regional company.
Some insurance providers may not have the ability to get a quote online and many times these regional carriers only sell through independent insurance agencies. Budget-conscious Volvo S60 insurance can be found online and from local agencies, so you need to compare both to have the best chance of lowering rates.
People who switch companies do it for a variety of reasons including delays in paying claims, not issuing a premium refund, lack of trust in their agent and policy non-renewal. Regardless of your reason, switching companies is easier than you think.
Much more information about auto insurance in Arizona is located at the links below
- Medical Payments Coverage (Liberty Mutual)
- What Insurance is Cheapest for 19 Year Olds in Chandler? (FAQ)
- How Much is Car Insurance for Welfare Recipients in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance for 4×4 Vehicles in Chandler? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)