Are you at wits end from being strong-armed to pay high auto insurance rates every month? Your situation is no different than the majority of other people in Arizona.

Statistics show that the vast majority of consumers have been with the same company for over three years, and just short of a majority have never compared rates with other companies. Arizona insurance shoppers could cut their rates by about 50% a year by just comparing quotes, but they just don't understand the benefits if they swap their current policy for a cheaper one.

There is such a variety of auto insurance companies to purchase coverage from, and although it's nice to have multiple companies, more choices can make it harder to find the best rates for your vehicles.

You need to shop coverage around occasionally because prices fluctuate regularly. Even if you think you had the best quotes on auto insurance two years ago there may be better deals available now. Forget all the misinformation about auto insurance because you're about to learn the tricks you need to know to save money, get proper coverage and the best rates.

Buying the cheapest auto insurance in Chandler is not rocket science. If you already have coverage, you will be able to buy cheaper auto insurance using the ideas presented in this article. Although Arizona drivers must understand how the larger insurance companies calculate their prices because rates are impacted by many factors.

Car insurance providers offering competitive rate quotes in Arizona

The providers in the list below have been selected to offer free quotes in Arizona. To locate cheap auto insurance in Arizona, it's a good idea that you get rate quotes from several of them to get the lowest price.

Insurance Rate Estimates for Popular Vehicles in Chandler
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,146 $573 $96
Chevrolet Silverado Crew Cab Hybrid 2WD $782 $391 $65
Dodge Ram Crew Cab TRX 4WD $1,370 $685 $114
Ford Escape XLS 4WD $798 $399 $67
Ford F-150 FX2 2WD $1,062 $531 $89
Ford Focus SE 4-Dr Sedan $1,166 $583 $97
Honda Accord LX 4-Dr Sedan $760 $380 $63
Honda CR-V LX 4WD $760 $380 $63
Honda Civic LX-S 4-Dr Sedan $718 $359 $60
Honda Odyssey EX W/Rear Entertainment $862 $431 $72
Hyundai Elantra GLS Touring Station Wagon $762 $381 $64
Jeep Grand Cherokee Laredo 4WD $1,062 $531 $89
Nissan Altima Hybrid 4-Dr Sedan $1,012 $506 $84
Toyota Camry SE $962 $481 $80
Toyota Corolla XRS $882 $441 $74
Volkswagen Jetta 2.0T Station Wagon $786 $393 $66
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific garaging location which can decrease or increase price quotes considerably.

Should you raise deductibles?

The chart below demonstrates how deductible levels and can increase or decrease Honda Civic insurance costs for different age categories. The data assumes a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductible comparison

When shopping for auto insurance, a common question is what deductibles to buy. The premium rates below can help you understand the differences in premium rates when you select higher and lower insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Escape insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $202 $320 $254 $16 $76 $893 $74
Escape XLS 4WD $202 $320 $254 $16 $76 $893 $74
Escape XLT 2WD $202 $320 $254 $16 $76 $893 $74
Escape Limited 2WD $232 $320 $254 $16 $76 $923 $77
Escape XLT 4WD $232 $320 $254 $16 $76 $923 $77
Escape Limited 4WD $232 $390 $254 $16 $76 $993 $83
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Ford Escape insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $124 $202 $254 $16 $76 $672 $56
Escape XLS 4WD $124 $202 $254 $16 $76 $672 $56
Escape XLT 2WD $124 $202 $254 $16 $76 $672 $56
Escape Limited 2WD $144 $202 $254 $16 $76 $692 $58
Escape XLT 4WD $144 $202 $254 $16 $76 $692 $58
Escape Limited 4WD $144 $246 $254 $16 $76 $736 $61
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific location which can modify coverage prices significantly.

Based on these figures, using a $250 deductible costs approximately $19 more each month or $228 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 39 months between claim filings, you would probably save some money if you decide on a higher deductible.

Cheaper rates with discounts

Some companies don't necessarily list every available discount in a way that's easy to find, so the list below contains a few of the more well known in addition to some of the lesser obvious credits that may apply to you.Auto insurance discounts

As a footnote on discounts, some credits don't apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though you would think it's possible to get free car insurance, company stockholders wouldn't be very happy. But all discounts will reduce your policy premiums.

A list of companies and their offered discounts are:

If you need lower rates, check with every prospective company to apply every possible discount. Depending on the company, some discounts may not apply to policies in Chandler. To view insurance companies that offer multiple discounts in Chandler, click this link.

Insurance agent or online?

Many drivers just want to buy from a licensed agent and there is nothing wrong with that. One of the great benefits of comparing rate quotes online is that drivers can save money and get the lowest rates and still have a local agent.

By using this simple form, your insurance coverage information gets sent to local insurance agents in Chandler who will give you bids to get your business. You won't need to do any legwork as quotes are delivered instantly to you. You can get cheaper insurance rates AND a local agent. If you wish to get a comparison quote from a specific insurance provider, just search and find their rate quote page and submit a quote form there.

Selecting an provider shouldn't rely on just a low price. These are some questions you should get answers to.

If you are searching for a reputable agency, you need to know there are two different types of agents and how they operate. Insurance agents in Chandler are either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

These agents write business for a single company and examples are Farmers Insurance and State Farm. Exclusive agencies are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Shown below is a short list of exclusive insurance agents in Chandler that can give you comparison quotes.


5505 W Chandler Blvd Ste 19 - Chandler, AZ 85226 - (480) 785-1500 - View Map


1807 E Queen Creek Rd #1 - Chandler, AZ 85286 - (480) 883-7997 - View Map


1351 N Alma School Rd Ste 160 - Chandler, AZ 85224 - (480) 545-8877 - View Map

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Independent Insurance Agencies

These agents often have many company appointments and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. If premiums increase, the agent simply finds a different carrier and you don't have to find a new agent. If you are comparing insurance prices, we recommend you check rates from at a minimum one independent agency to get the best comparison.

Below are independent insurance agencies in Chandler who can help you get rate quotes.

Boudreaux, Jerrold Arizona Insurance SVC
393 W Warner Rd # 117 - Chandler, AZ 85225 - (480) 890-7900 - View Map


333 N Dobson Rd #160 - Chandler, AZ 85224 - (480) 525-8846 - View Map


1200 N Arizona Ave #3 - Chandler, AZ 85225 - (480) 782-9202 - View Map

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Car insurance claim statistics

What vehicles have the fewest claims? The tables below outline the good and bad manufacturer models for overall likelihood of filing claims organized by coverage.

Vehicle Make and Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Bentley Continental Flying Spur
Jeep Wrangler BMW 6 Series
GMC Canyon Ferrari 458
Mini Cooper Bently Continental GTC
Ford F-150 SuperCrew Bently Continental GT
Ford F-250 SuperCab Maserati Ghibli

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Porsche Panamera GTS
Ford F-350 Maserati Quattroporte
GMC Sierra 2500 Mercedes-Benz S Class
Nissan Leaf Bentley Continental GT
Chevy Spark Audi S7
Chevy Silverado 2500 Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Dodge Charger
Ford Expedition Kia Forte
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Nissan Sentra
Ford F-250 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Chevrolet Sonic

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Mitsubishi Mirage
Fiat 500 Chevrolet Impala
Subaru Forester Mitsubishi Lancer
Mercedes-Benz SL Class Kia Optima
Subaru Outback Chrysler 200
Audi A6 Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Be persistent and save

There are still a few companies who don't offer online price quotes and most of the time these regional insurance providers work with independent agencies. Budget-friendly insurance in Chandler can be found online and with local Chandler insurance agents, so you should be comparing quotes from both to have the best rate selection.

As you shop your coverage around, do not reduce needed coverages to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

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