It’s a fact that insurance companies don’t want you to look for cheaper rates. People who shop around for the cheapest price are very likely to switch companies because there are good odds of finding good coverage at a lower price. A recent survey revealed that drivers who faithfully checked for cheaper rates saved as much as $865 a year as compared to drivers who never compared prices.
If saving money on insurance is the reason you’re here, understanding how to quote prices and compare coverages can help you succeed in saving money.
To save the most money, the best way to find discount car insurance rates is to start comparing prices yearly from different companies who provide car insurance in Mesa.
First, try to understand policy coverages and the things you can control to keep rates down. Many policy risk factors that drive up the price like at-fault accidents and an imperfect credit rating can be eliminated by making minor changes to your lifestyle.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agents can quote prices for a wide range of insurance providers.
Third, compare the new rates to your existing rates to determine if you can save on ILX insurance in Mesa. If you find a lower rate quote, ensure coverage does not lapse between policies.
One key aspect when comparing rates is that you use similar deductibles and liability limits on each quote and and to analyze every insurance company. Doing this provides an accurate price comparison and the most accurate and complete price analysis.
If you are insured now, you will surely be able to find the best rates using the concepts covered in this article. Buying the cheapest insurance in Mesa is not that difficult as long as you know where to start. Nevertheless, Arizona car owners do need to learn how the larger insurance companies sell insurance online and apply this information to your search.
When comparison shopping, there are several ways to obtain and compare prices from different Mesa insurance companies. The best method to compare Acura ILX insurance prices is to get quotes online.
Doing price comparisons online is so simple that it takes the place of having to call or drive to insurance agents’ offices. The ability to get quotes online can eliminate the need for a local agent unless you have a complicated situation and need the professional abilities only provided by licensed Mesa agents. You can, however, find lower rates online but buy the policy through an agent.
Just remember that comparing more quotes will enable you to find the best rates.
The providers in the list below can provide price quotes in Mesa, AZ. If you want to find cheap auto insurance in Arizona, it’s a good idea that you click on several of them to get the cheapest price.
You may qualify for discounts for Acura ILX insurance in Mesa
Buying auto insurance is not cheap, but you might find some hidden discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked about prior to getting the savings.
- Theft Deterrent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
- Professional Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount when shopping for auto insurance.
- New Car Discount – Buying auto insurance coverage on a new vehicle can save up to 30% since new vehicles are generally safer.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
- One Accident Forgiven – Not a discount per se, but some insurance companies will allow you to have one accident without raising rates if you have no claims prior to being involved in the accident.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance too.
It’s important to note that many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount will definitely reduce the cost of your policy.
For a list of auto insurance companies that provide some of the discounts listed above in Mesa, click here.
How You Can Control Acura ILX Insurance Costs
It’s important that you understand the factors that help calculate the rates you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can earn you big savings. Many things are considered when you quote your car insurance policy. Some are pretty understandable like your driving record, but other criteria are not quite as obvious like where you live or how safe your car is.
The itemized list below are some of the factors companies use to determine prices.
Insurance rates and driver gender – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. They both cause fender benders in similar percentages, but the men tend to have higher claims. Men also statistically receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
Rental and towing coverage may not be needed – There are a ton of optional add-on coverages that can waste your money but may not be useful. Coverages like vanishing deductibles, death and dismemberment, and additional equipment coverage are some examples. These coverages may sound good at first, but if you have no use for them get rid of them and save.
The higher your credit rating the lower your premiums – Having a bad credit score is a large factor in determining what you pay. Drivers with excellent credit scores tend to be more responsible than drivers who have bad credit. If your credit history is lower than you’d like, you may save money insuring your Acura ILX by repairing your credit.
Auto insurance policy lapses lead to higher premiums – Driving without insurance coverage in place is illegal and you may have a hard time finding new coverage because you let your insurance expire. In addition to paying higher premiums, getting caught without coverage might get you a license revocation or jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Arizona motor vehicle department to get your license reinstated.
Being married is a good thing – Walking down the aisle may cut your premiums on your auto insurance bill. Marriage may mean you are more stable financially and it’s statistically proven that being married results in fewer claims.
Alarms and GPS tracking lower auto insurance rates – Owning a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your car from being stolen.
With age comes responsibility – Teen drivers in Arizona are known to be less responsible when driving with friends therefore auto insurance rates are much higher. Having to add a beginning driver to your policy can be very expensive. Older insureds are shown to be more cautious, are lower risk to insure, and tend to be get fewer driving tickets.
Insurance losses for an Acura ILX – Car insurance companies include the past claim history for a vehicle as a tool for profitable underwriting. Vehicles that tend to have increased losses will cost more for coverage.
The table shown below demonstrates the insurance loss data used by companies for Acura ILX vehicles. For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is considered to be 100. Values below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or an increased chance of larger losses than average.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Exclusive versus independent auto insurance agents
Many drivers still like to buy from a local agent and that is just fine! One of the great benefits of getting online price quotes is that you can obtain cheap rate quotes and still choose a local agent. Buying from and supporting neighborhood agents is important especially in Mesa.
After completing this form (opens in new window), the quote information is immediately sent to companies in Mesa who will give competitive quotes to get your business. You don’t have to contact an agency because prices are sent instantly to you. You can find lower rates without having to waste a lot of time. If you have a need to get a comparison quote from a specific insurance provider, just visit that company’s website and fill out their quote form.
If you prefer to buy insurance from a local agent, there are a couple of different types of agents and how they are distinctly different. Mesa agents are categorized either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents (or Brokers)
Agents that choose to be independent do not have single company limitations so they can quote policies with a variety of different insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your policy is moved internally and you don’t have to do anything.
If you need lower rates, you absolutely need to compare quotes from several independent agencies to have the best price comparison.
Below is a list of independent insurance agencies in Mesa that can give you price quote information.
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company like State Farm, AAA, and Liberty Mutual. They are unable to provide other company’s prices so they have to upsell other benefits. Exclusive agents receive extensive training on their company’s products which helps them sell on service rather than price.
Shown below are Mesa exclusive agencies who can help you get comparison quotes.
Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map
Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map
Deciding on a insurance agent requires you to look at more than just the bottom line cost. Any agent in Mesa should be willing to answer these questions.
- Can they give you a list of client referrals?
- Will you get a loaner vehicle if you car is being repaired?
- Can glass repairs be made at your home?
- Are they involved in claim handling?
- Do they have 24-hour customer assistance?
- What company do they have the most business with?
- What insurance companies do they work with in Mesa?
- Is the agent CPCU or CIC certified?
You are unique and your auto insurance should be too
When it comes to choosing your policy, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that
Here are some questions about coverages that might point out if your insurance needs may require specific advice.
- Does rental coverage apply when I am renting a car?
- What does medical payments coverage do?
- Does insurance cover damages from a DUI accident?
- Can I still get insurance after a DUI?
- At what point should I drop full coverage?
- When can I cancel my policy?
- Do I need an umbrella policy?
- Do I need special coverage while pulling a rented trailer?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Car insurance company ratings
Finding the top car insurance company can be challenging considering how many choices drivers have in Arizona. The ranking information shown below may help you analyze which companies you want to consider when looking for cheaper rates.
Top 10 Mesa Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Don’t give up on cheaper premiums
When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured cut physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
A few companies don’t offer the ability to get a quote online and these small insurance companies sell through independent agents. More affordable car insurance in Mesa can be found online in addition to many Mesa insurance agents, so you should be comparing quotes from both to get a complete price analysis.
Additional car insurance information can be read on the following sites:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Insurance is Cheapest for a Toyota Tundra in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a School Permit in Mesa? (FAQ)
- What is Full Coverage? (Allstate)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Medical Payments Coverage (Liberty Mutual)
- Auto Insurance Learning Center (State Farm)