Chandler, AZ Car Insurance For Less Than You’re Paying Now

Are you sick and tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other Arizona drivers.

Big companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It is always a good idea to check car insurance prices periodically due to the fact that insurance rates are constantly changing. If you had the lowest rates on your last policy there may be better deals available now. You can find a lot of misleading information regarding car insurance online but by reading this article, you’re going to learn some of the best ways to find affordable car insurance.

Cut your premium with discounts

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Homeowners Pay Less – Owning a house in Chandler can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Driver Safety – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • No Charge for an Accident – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Federal Employees – Simply working for the federal government can save as much as 8% with certain companies.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
  • Accident Free – Good drivers with no accidents can save substantially as compared to frequent claim filers.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will reduce the amount you have to pay.

You have some control over your rates

It’s important that you understand the different types of things that come into play when calculating car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get big savings.

The list below includes a partial list of the pieces car insurance companies consider when setting your rates.

  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can buy on your car insurance policy. Coverages for roadside assistance, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • Pay less if you’re married – Being married can get you a discount on car insurance. Having a spouse is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
  • Liability coverage protects you – Your policy’s liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • How your age affects price – Teenage drivers in Arizona tend to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in Arizona generally give lower rates to policyholders who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Credit scores impact car insurance rates – Having a bad credit score is a large factor in determining what you pay for car insurance. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. If your credit is low, you could potentially save money when insuring your by improving your rating.

You are unique and your car insurance should be too

When buying coverage, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Does my vehicle qualify for pleasure use?
  • Do no-fault laws apply in Arizona?
  • Am I getting all the discounts available?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Can I still get insurance after a DUI?
  • Does liability extend to a camper or trailer?
  • Is business equipment covered while in my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Aren’t my neighborhood agents an option?

Some people would prefer to sit down with an agent and that is a personal choice. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent. And providing support for local businesses is important particularly in Chandler.

Upon completion of this quick form, your insurance data is submitted to participating agents in Chandler who will battle for your coverage. You won’t need to leave your computer as quotes are delivered straight to your inbox. How cool is that?! You can find the lowest rates without the usual hassles of price shopping.

Two types of insurance agencies

If you’re trying to find a good insurance agency, there are two types of insurance agents that you can select. Agents are either captive or independent (non-captive).

Independent Agents

Independent agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When shopping rates, we recommend you include price quotes from several independent insurance agents to get the best comparison.

Below is a short list of independent agents in Chandler who may be able to give you competitive price quotes.

Brooke Insurance and Financial – 820 W Warner Rd # 104 – Chandler, AZ 85225 – (480) 812-1998
Insurance Advisors – 3130 N Arizona Ave # 105 – Chandler, AZ 85225 – (480) 503-1181
Paul Schrom Agency Inc – 565 W Chandler Blvd # 114 – Chandler, AZ 85225 – (480) 821-5151
David Klatt Agency Inc – 2020 N Arizona Ave # G54 – Chandler, AZ 85225 – (480) 753-5022
Sergio Martinez Agency – 1989 W Elliot Rd # 5 – Chandler, AZ 85224 – (480) 899-7779

Agency Captives

Captive agents can only write with one company such as State Farm, AAA and Liberty Mutual. They usually cannot give you multiple price quotes so they have no alternatives for high prices. They receive extensive training in insurance sales which helps them compete with independent agents.

The following are Chandler captive agencies that are able to give comparison quotes.

American Family Insurance – 2100 W Chandler Blvd # 38 – Chandler, AZ 85224 – (480) 726-3030
Farmers Insurance Group – 900 W Chandler Blvd # A-6 – Chandler, AZ 85225 – (480) 759-2422
Allstate Insurance – 5505 W Chandler Blvd # 6 – Chandler, AZ 85226 – (480) 598-8500
State Farm Insurance – 3165 S Alma School Rd # 27 – Chandler, AZ 85248 – (480) 855-0665
Liberty Mutual Insurance – 6909 W Ray Rd # 29 – Chandler, AZ 85226 – (480) 732-1491

lower rates in Chandler Arizona

For a complete listing of Chandler captive insurance agencies, simply jump to this page.

Deciding on an insurance agency requires more thought than just the price. These questions are important to ask:

  • Do they review policy coverages at every renewal?
  • Are they able to influence company decisions when a claim is filed?
  • Is assistance available after office hours?
  • Will your rates increase after a single accident?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do they assist clients in filing claims?

Once you have received positive responses and a low price estimate, you’ve probably found an auto insurance agent that will properly service your car insurance policy.

Much more information about car insurance in Arizona is available on the website for the Arizona Department of Insurance through this link. Arizona consumers can file complaints about an insurance agent or broker, find a variety of consumer forms, and file complaints about a company.

Compare but don’t skimp

Discount car insurance can be found on the web as well as from independent agents in Chandler, and you should be comparing both to have the best selection. Some car insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

In this article, we covered some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the best price on car insurance is with a lesser-known regional company. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.