Would you like to stop overpaying and find lower-priced Chevy Cruze insurance in Mesa? Are you kicking yourself for buying overpriced Chevy Cruze insurance in Mesa? It's quite common and you're not alone.
Sadly, nearly 70% of drivers kept buying from the same company for at least the last four years, and about 40% of consumers have never compared rate quotes at all. Most drivers in Arizona could cut their rates by 50% a year just by comparing rates, but they don't want to spend time to save money by comparing rate quotes.
Many auto insurance companies compete for your business, and it can be difficult to compare rates to discover the definitive cheapest price on Chevy Cruze insurance in Mesa.
It's a good habit to do price comparisons once or twice a year since prices are constantly changing. Even if you think you had the lowest price on Chevy Cruze insurance in Mesa a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money on Chevy Cruze insurance in Mesa.
If you have coverage now, you will surely be able to find the best rates using the concepts covered in this article. Locating the most cost-effective auto insurance policy in Mesa can be much easier if you know how to start. But Arizona drivers must know how companies compete online and use it to find better rates.
Most of the larger companies allow you to get pricing on the web. Comparing prices online for Chevy Cruze insurance in Mesa can be done by anyone as you just type in your coverage preferences into the quote form. Behind the scenes, their system requests your credit score and driving record and gives you a price quote based on these and other factors. This makes it a lot easier to compare rates and it's very important to have as many quotes as possible if you want to find the most affordable premium.
To find out if lower rates are available, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you duplicate the limits and deductibles exactly as they are listed on your policy. Doing this assures you're receiving comparison quotes based on the exact same insurance coverage.
The providers in the list below provide free quotes in Arizona. To get the best auto insurance in Arizona, we suggest you compare several of them in order to find the most affordable rates.
Protect more than your Chevy Cruze
Despite the high cost, maintaining insurance serves an important purpose.
First, just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Cruze with a loan, it's most likely the lender will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the bank will be required to insure your Chevy for a much higher rate and force you to reimburse them the higher price.
Third, insurance protects both your Chevy and your personal assets. It will also reimburse you for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive coverages will pay to have it repaired.
The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays as much as $865 each year so you should quote rates once a year at a minimum to be sure current rates are still competitive.
Determine discounts to get cheap Mesa insurance rates
Insurance is neither fun to buy or cheap, but you can get discounts that you may not know about. Most are applied at quote time, but a few need to be inquired about before you will receive the discount.
- Use Seat Belts - Drivers who require all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Discounts for Government Workers - Simply working for the federal government could cut as much as 10% off with a few insurance companies.
- Policy Bundle Discount - If you can bundle your homeowners and auto insurance with the same company you could earn a discount of approximately 10% to 15%.
- Multi-line Discount - Larger companies have a discount if you purchase life insurance from them.
- Smart Student Discounts - Being a good student may save as much as 25% on a Mesa auto insurance quote. Earning this discount can benefit you up to age 25.
- Savings for New Vehicles - Insuring a vehicle that is new may earn a small discount since newer models have better safety ratings.
- Payment Method - By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
While discounts sound great, it's important to understand that most discounts do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, you aren't that lucky.
If you would like to choose from a list of insurance companies that have a full spectrum of discounts in Mesa, click here.
Local Mesa auto insurance agents
A lot of people prefer to get professional advice from a licensed agent and that can be a smart move A good thing about getting online price quotes is the fact that you can find lower premium rates but also keep your business local.
For easy comparison, once you complete this short form, the coverage information gets sent to participating agents in Mesa who will return price quotes to get your business. You won't need to even leave your home because quoted prices will be sent directly to your email. You can find better rates without having to waste a lot of time. If you have a need to quote rates for a specific company, you would need to visit that company's website and fill out their quote form.
Picking an insurer is decision based upon more than just the bottom line cost. These are valid questions to ask:
- Will the quote change when the policy is issued?
- Do they review policy coverages at every renewal?
- Do they have cheaper tiers of coverage?
- If you have an accident, will your rates go up?
- Do they have designations such as AIC, CPCU, or CIC?
- Is every driver in your family covered?
Pick the best car insurance agent in Mesa for you
If you prefer to buy car insurance from a good Mesa insurance agent, you should know the types of insurance agents and how they operate. Car insurance agencies can either be independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Agents of this type can only quote rates from one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide other company's prices so keep that in mind. Exclusive agents are well schooled on their company's products which aids in selling service over price.
Shown below are Mesa exclusive agents that can give you comparison quotes.
Ed Clark - State Farm Insurance Agent
3035 S Ellsworth Rd #112 - Mesa, AZ 85212 - (480) 832-3878 - View Map
American Family Insurance - Brian Johnson Agency Inc.
3660 E University Dr Ste 3 - Mesa, AZ 85205 - (480) 634-7039 - View Map
Independent Insurance Agents
Agents in the independent channel often have many company appointments so they can write business with many different companies and help determine which has the cheapest rates. If premiums increase, they simply move your policy to a different company which makes it simple for you. If you need lower rates, you need to include at least one independent agent in order to have the best price comparison.
Listed below is a short list of independent agents in Mesa who can help you get price quote information.
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave - Mesa, AZ 85204 - (480) 892-8755 - View Map
After receiving acceptable answers to all your questions and an affordable coverage quote, you have narrowed it down to a car insurance agent that meets the requirements to service your policy.
Persistence will pay off
Throughout this article, we presented a lot of ways to shop for Chevy Cruze insurance online. It's most important to understand that the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even discover the best price on car insurance is with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.
Lower-priced car insurance in Mesa is attainable on the web and from local agencies, so you should compare both to have the best rate selection. A few companies may not offer the ability to get quotes online and usually these regional insurance providers only sell through local independent agents.
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