Keep Your Chandler Car Insurance Manageable

Following traffic laws is the best way to keep your Chandler car insurance rates down.

Don’t let this happen to you Chandler car insurance premium in 2014.

Did you know that you have more control over your Chandler car insurance premiums than you think?

There are some rating factors that you can’t control, like your age and your gender. But, there are also a lot of things that you can control. The controllable rating factors include:

• Traffic citations
• Car accident involvement
• Keeping your current car insurance active
• Type of vehicle you drive

If you don’t want your car insurance to dictate what type of vehicle you drive, you can concentrate on just the first three on the list and still find your Chandler car insurance rates manageable.

Avoiding Citations and Accidents

The easiest way to avoid getting a traffic citation or into a car accident, is to drive safely and obey traffic laws. Driving safely includes driving defensively with the expectation that the other drivers are not paying attention to you, giving reckless drivers plenty of room, and paying attention to the road and not your cellphone.

With how many traffic laws are on the books today, it would be impossible to list them all here to advise you how to avoid all traffic citations. It is up to you to know what the traffic laws are for Arizona and the City of Chandler. As a rule of thumb though, keep it under the speed limit and don’t run red lights at the following intersections:

• 56th Street and Chandler Boulevard
• Rural Road and Ray Road
• Dobson Road and Warner Road
• Alma School Road and Warner Road
• Alma School Road Ray Road
• Alma School Road and Queen Creek Road
• Arizona Avenue and Elliot Road
• Arizona Avenue and Warner Road
• Arizona Avenue and Ray Road
• Arizona Avenue and Ocotillo Road
• McQueen Road and Chandler Boulevard
• Gilbert Road and Riggs Road

(List of camera intersections from the City of Chandler, Arizona website)

Actually, don’t run the red light at any intersection, but the above ones are the intersection with the cameras.

Can I Just Not Get Chandler Car Insurance?

No, the State of Arizona has made Chandler car insurance a requirement of driving. You cannot have your car registered or on the road if you don’t have car insurance on that particular vehicle.

Not only do you have to have Chandler car insurance on your vehicle, but you also have to have a minimum amount of Chandler car insurance. These minimums are set by the State of Arizona and are the same for all drivers in the entire state:

• $15,000 bodily-injury liability for one person and $30,000 for two or more people
• $10,000 property-damage liability

If you fail to keep insurance on your vehicle, you will have your driver’s license and vehicle registration suspended. To reinstate either of these you will have to pay the reinstatement fees.

You also will be required to carry SR22 on your car insurance, which will raise your insurance rates for 3 years after you have received your suspension for not having Chandler car insurance.

So keep it insured and drive it safe, to keep your Chandler car insurance premiums manageable.