Car Insurance in Chandler - 9 Discounts You Might be Missing

No one looks forward to paying for car insurance, especially when the cost is way too high.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to compare prices occasionally since rates are constantly changing. Even if you got the best price on your last policy there may be better deals available now. Forget all the misinformation about car insurance because you're about to find out the only way to find better coverage at a better price.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Chandler is quite easy. Nevertheless, Arizona car owners do need to know the way insurance companies price online insurance and apply this information to your search.

Chandler car insurance quote

How much can you save with these nine discounts?

Car insurance is not cheap, but you can get discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be inquired about before you will receive the discount.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Anti-theft System - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • E-sign - Some insurance companies will give a small break simply for signing digitally online.
  • Service Members Pay Less - Being on active duty in the military could mean lower rates.
  • Club Memberships - Belonging to a civic or occupational organization is a good way to get lower rates on your policy.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
  • Resident Student - Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Accident Forgiveness - A handful of insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Multi-policy Discount - When you have multiple policies with one company you may earn 10% to 20% off each policy.

It's important to understand that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of providers offering car insurance discounts in Chandler, click here to view.

Chandler Car Insurance Quote Comparison

There are several ways to shop for car insurance, but some are less time-consuming than others. You can waste hours talking to insurance agencies in Chandler, or you can utilize online quoting to get rates in a matter of minutes.

Most car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company can give them a price for coverage. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one downside to using this type of form is you are unable to specify the companies you want to price. If you would rather choose individual companies to compare rates, we have a listing of low cost car insurance companies in Arizona. Click here for list of insurance companies in Arizona.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits and deductibles with each company. If you use different liability limits it will be impossible to make an equal comparison in Chandler. Quoting even small variations in coverage limits may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will increase your chances of finding the best rates.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when pulling a rental trailer?
  • Are rental cars covered under my policy?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Final considerations

When you buy insurance online, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Low-cost car insurance can be found from both online companies and also from your neighborhood Chandler agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.