How many times have you told yourself to find the cheapest insurance rates in Mesa, AZ? Purchasing more affordable quotes over the internet may be somewhat difficult for drivers that are relatively new to shopping for insurance on the internet. With such a big selection of agents and insurance companies available, how can drivers effectively compare every company in order to find better prices?
Surprisingly, a recent survey revealed that a large majority of drivers in Arizona kept buying from the same company for at least the last four years, and nearly the majority have never compared rates from other carriers. U.S. drivers could save about $850 a year just by getting comparison quotes, but most just don't grasp how much money they would save if they bought a different policy.
It is always a good idea to compare prices quite often since insurance prices change frequently. If you had the best price on insurance six months ago you will most likely find a better rate quote today. There is a lot of wrong information about insurance out there, but in this article, you're going to get some excellent ideas to find affordable insurance in Mesa.
Companies offering affordable price quotes in Arizona
The companies shown below offer comparison quotes in Arizona. To find cheap car insurance in Mesa, we recommend you visit as many as you can in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LT||$1,032||$516||$86|
|Chevrolet Silverado LT Crew Cab 2WD||$1,008||$504||$84|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$878||$439||$73|
|Ford Edge Sport AWD||$994||$497||$83|
|Ford Escape XLT 2WD||$602||$301||$50|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,086||$543||$91|
|Ford Focus S 4-Dr Sedan||$896||$448||$75|
|Ford Fusion SEL 4-Dr Sedan||$764||$382||$64|
|Honda Accord LX-P 4-Dr Sedan||$788||$394||$66|
|Honda CR-V EX-L 4WD||$872||$436||$73|
|Honda Civic LX-S 4-Dr Sedan||$1,026||$513||$86|
|Hyundai Elantra SE Touring Station Wagon||$732||$366||$61|
|Hyundai Sonata Limited 4-Dr Sedan||$816||$408||$68|
|Jeep Grand Cherokee Limited 4WD||$986||$493||$82|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$810||$405||$68|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,272||$636||$106|
|Toyota Camry LE||$798||$399||$67|
|Toyota Corolla XLE||$1,216||$608||$101|
|Toyota Tacoma 4WD||$792||$396||$66|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific garaging location which can lower or raise coverage prices greatly.
Impact of citations and accidents on insurance rates
The information below highlights how speeding tickets and at-fault claims can increase Honda Pilot insurance costs for each different age category. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Where to set your deductibles
One frequently asked question is how high should the physical damage coverage deductibles be. The figures shown below sum up the difference in cost between high and low deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$202||$390||$300||$18||$90||$1,025||$85|
|Civic VP 4-Dr Sedan||$202||$460||$300||$18||$90||$1,095||$91|
|Civic LX 4-Dr Sedan||$202||$460||$300||$18||$90||$1,095||$91|
|Civic DX 2-Dr Coupe||$202||$460||$374||$22||$112||$1,195||$100|
|Civic EX 4-Dr Sedan||$202||$460||$300||$18||$90||$1,095||$91|
|Civic LX-S 4-Dr Sedan||$202||$460||$300||$18||$90||$1,095||$91|
|Civic LX 2-Dr Coupe||$202||$530||$374||$22||$112||$1,265||$105|
|Civic EX-L 4-Dr Sedan||$232||$530||$300||$18||$90||$1,195||$100|
|Civic SI 4-Dr Sedan||$232||$530||$300||$18||$90||$1,195||$100|
|Civic EX 2-Dr Coupe||$232||$530||$374||$22||$112||$1,295||$108|
|Civic GX 4-Dr Sedan||$232||$530||$300||$18||$90||$1,195||$100|
|Civic EX-L 2-Dr Coupe||$232||$530||$374||$22||$112||$1,295||$108|
|Civic Hybrid 4-Dr Sedan||$262||$460||$300||$18||$90||$1,155||$96|
|Civic SI 2-Dr Coupe||$262||$600||$374||$22||$112||$1,395||$116|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$124||$246||$300||$18||$90||$778||$65|
|Civic VP 4-Dr Sedan||$124||$290||$300||$18||$90||$822||$69|
|Civic LX 4-Dr Sedan||$124||$290||$300||$18||$90||$822||$69|
|Civic DX 2-Dr Coupe||$124||$290||$374||$22||$112||$922||$77|
|Civic EX 4-Dr Sedan||$124||$290||$300||$18||$90||$822||$69|
|Civic LX-S 4-Dr Sedan||$124||$290||$300||$18||$90||$822||$69|
|Civic LX 2-Dr Coupe||$124||$334||$374||$22||$112||$966||$81|
|Civic EX-L 4-Dr Sedan||$144||$334||$300||$18||$90||$886||$74|
|Civic SI 4-Dr Sedan||$144||$334||$300||$18||$90||$886||$74|
|Civic EX 2-Dr Coupe||$144||$334||$374||$22||$112||$986||$82|
|Civic GX 4-Dr Sedan||$144||$334||$300||$18||$90||$886||$74|
|Civic EX-L 2-Dr Coupe||$144||$334||$374||$22||$112||$986||$82|
|Civic Hybrid 4-Dr Sedan||$162||$290||$300||$18||$90||$860||$72|
|Civic SI 2-Dr Coupe||$162||$376||$374||$22||$112||$1,046||$87|
|Get a Quote for Your Vehicle Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in Mesa location which can affect prices noticeably.
Based on the data above, we can derive that using a $250 deductible costs about $24 more each month or $288 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 31 months between claims, you would save more money if you decide on a higher deductible.
Calculation for raising deductibles
|Average monthly premium for $250 deductibles:||$99|
|Average monthly premium for $1,000 deductibles (subtract):||- $75|
|Monthly savings from raising deductible:||$24|
|Difference between deductibles ($1,000 - $250):||$750|
|Divide difference by monthly savings:||$750 / $24|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||31 months|
Cheaper rates with discounts
Car insurance is neither fun to buy or cheap, but there could be significant discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be requested specifically before being credited.
- Auto/Home Discount - When you have multiple policies with the same company you could get a discount of as much as 10 to 15 percent.
- Telematics Data - People who choose to allow data collection to scrutinize where and when they drive remotely like Allstate's Drivewise might see lower rates if they have good driving habits.
- Discount for Life Insurance - Not all companies offer life insurance, but some may give you a lower car insurance rate if you buy a life insurance policy as well.
- Save with a New Car - Insuring a new car can be considerably cheaper since new model year vehicles have better safety ratings.
- Federal Government Employee - Having worked for a branch of the government could cut as much as 10% off with a few car insurance companies.
- No Charge for an Accident - This one isn't a discount, but a handful of insurance companies permit an accident without getting socked with a rate hike as long as you don't have any claims for a certain period of time.
- Own a Home and Save - Simply owning a home may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.
Remember that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it's just not the way it works.
For a list of insurers who offer cheap car insurance quotes in Mesa in Arizona, follow this link.
Seven decisions that affect insurance premiums
Lots of things are taken into consideration when premium rates are determined. Most are fairly basic such as your driving history, but other factors are more transparent like where you live or your vehicle rating. Part of the auto insurance buying process is learning a few of the rating criteria that help determine the rates you pay for auto insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that can help you get lower rates.
The list below includes some of the most common factors utilized by car insurance companies to help set your rates.
Liability protection safeguards assets - Your auto insurance policy's liability coverage provides coverage when you are found to be at fault for physical damage or personal injury to other. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
Lower prices with theft deterrents - Owning a car with an alarm system can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all help prevent auto theft.
Is insurance coverage cheaper for females or males? - Statistics demonstrate women tend to be less risk to insure than men. Now that doesn't mean women are better drivers. Women and men get in fender benders at a similar rate, but males get into accidents with more damage. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Males from age 16 to 21 are the most expensive to insure so they pay the highest premiums.
Auto insurance lapses lead to higher auto insurance rates - Not maintaining insurance is a big no-no and as a result your rates will increase for letting your insurance coverage expire. And not only will your rates increase, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Arizona DMV.
Raising comp and collision deductibles saves money - Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are a windshield shattered by a rock, vandalism, or theft. The deductibles you choose are the amount of money you are willing to pay before a claim is paid by your company. The more damage repair cost the insured is willing to pay, the less your auto insurance will be.
Marriage discount - Having a wife or husband actually saves money on your auto insurance bill. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.
Does your employer cost you more? - Occupational choices like doctors, air traffic controllers, and miners have higher average rates attributed to high stress and long work hours. On the flip side, occupations such as actors, historians and performers generally pay rates lower than average.
When in doubt talk to an agent
Always keep in mind that when comparing adequate coverage for your personal vehicles, there really is no "best" method to buy coverage. Your needs are not the same as everyone else's and your insurance should be unique as well. For instance, these questions might help in determining whether you might need professional guidance.
- Can I insure my car for more than it's worth?
- Where can I find high-risk insurance?
- Are rock-chip repairs free?
- Do I have coverage when pulling a U-Haul trailer?
- Is a driver training discount available?
- Is extra glass coverage worth it?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.
Local Mesa car insurance agents
Some people prefer to talk to a local agent and doing so can bring peace of mind A good thing about comparing insurance prices online is you may find the best rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance data is sent to companies in Mesa who will give you quotes to get your business. It simplifies rate comparisons since you won't have to drive around since price quotes are sent directly to you. It's the lowest rates AND an agent nearby. If for some reason you want to get a rate quote from one company in particular, don't hesitate to go to their quote page to submit a rate quote request.
Selecting an provider requires you to look at more than just the premium amount. Below are some questions you should ask.
- Is assistance available after office hours?
- Do they review policy coverages at every renewal?
- Which family members are covered?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have a Better Business Bureau rating in Mesa?
- Which company do they place the most coverage with?
- Do you work with a CSR or direct with the agent?
Types of auto insurance agents
When finding a local Mesa insurance agent, you must know there are a couple types of agencies and how they can write your policy. Auto insurance agents are either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
These type of agents are contracted to one company like Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive agencies receive a lot of sales training on what they offer which aids in selling service over price. Many people buy insurance from these agents partially due to the brand legacy rather than low price.
Listed below is a list of exclusive agencies in Mesa who may provide you with price quote information.
- Vandy Ford - State Farm Insurance Agent
6938 E Parkway Norte #2 - Mesa, AZ 85212 - (480) 497-3933 - View Map
- Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 - Mesa, AZ 85210 - (480) 777-7820 - View Map
- American Family Insurance - Mike Stapley
4850 E Baseline Rd Ste 101 - Mesa, AZ 85206 - (480) 503-4400 - View Map
Independent insurance agents can quote rates with many companies and that allows them to write policies with many different companies and get you the best rates possible. If you want to switch companies, they simply switch companies in-house and you stay with the same agent. When comparing auto insurance prices, you absolutely need to include price quotes from several independent agencies in order to compare the most rates. Most can insure with small mutual carriers that may provide cheaper auto insurance rates.
The following are Mesa independent agencies who can help you get price quote information.
- Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr - Mesa, AZ 85203 - (480) 668-7000 - View Map
- Access Auto Insurance
1933 W Main St #5 - Mesa, AZ 85201 - (480) 668-4944 - View Map
- Wilson Insurance
3950 E Broadway Rd # 102 - Mesa, AZ 85206 - (480) 964-2400 - View Map
Be persistent and save
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best cost while still protecting your assets.
We just covered many ideas to get a better price on car insurance in Mesa. It's most important to understand that the more companies you get prices for, the better your chances of lowering your prices. You may even discover the biggest savings come from a lesser-known regional company. These companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.
Additional car insurance information is located at these links:
- Winter Driving (Insurance Information Institute)
- How Much are Auto Insurance Quotes for Teachers in Arizona? (FAQ)
- Who Has Affordable Auto Insurance for State Employees in Arizona? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Jeep Wrangler in Arizona? (FAQ)
- How Much is Auto Insurance for 18 Year Olds in Arizona? (FAQ)
- Who Has the Cheapest Car Insurance for a Toyota 4Runner in Arizona? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota Camry in Arizona? (FAQ)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)