One of the more important things that aid in calculating the cost of insurance is where you call home in Mesa. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with less crime or weather claims benefit from lower rates.
The information below lists the highest-priced areas in Arizona for a company car in which to buy car insurance. Mesa is ranked #10 with an annual cost of $1,125 on average, which is around $94 per month.
|Rank||City||Average Per Year|
|3||San Tan Valley||$1,196|
|24||Lake Havasu City||$878|
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Rate quotes are comparative as the garaging address in Mesa can decrease or increase insurance rates significantly.
The vehicle that needs insurance is one of the primary factors when consumers are trying to find the best cheap auto insurance for a company car. Vehicles with higher performance characteristics, poor safety features, or a history of substantial liability claims will cost much more to insure than safer models. The information below showcases car insurance prices for some of the more affordable automobiles to insure in Arizona.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,518|
|Honda CR-V EX 4WD||$1,557|
|Honda Civic DX 4-Dr Sedan||$1,562|
|Toyota Tacoma 2WD||$1,571|
|Toyota Camry LE||$1,594|
|Toyota RAV4 Limited 2WD||$1,600|
|Chevrolet Silverado LT Extended Cab 4WD||$1,594|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,622|
|Honda Odyssey EX-L||$1,680|
|Hyundai Sonata GLS 4-Dr Sedan||$1,703|
|Chevrolet Malibu LTZ||$1,709|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,711|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in specific location which can lower or raise premium rates substantially.
Looking at the numbers, we can assume that vehicles like the Toyota Prius, Ford Escape, and Honda CR-V will be the cheaper vehicles to insure for your employer’s vehicle.
Comparing rates for budget auto insurance is not the easiest thing to accomplish, and finding out which company quotes the cheapest auto insurance rates for a company car calls for more quotes for comparison. Each company uses a different method to determine rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Mesa.
It’s a good idea to know that Arizona auto insurance rates are based on many factors that may substantially change the policy premium. That is why it is critical to compare many different companies when trying to find cheap insurance quotes for a company car. Insurance rates are influenced by many risk factors and can change without notice, so the best option when you bought your policy may now be quite expensive.
Best Cheap Insurance Rates in Arizona
The Hartford may have some of the most affordable car insurance rates in Mesa at around $836 a year. This is $592 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the cheapest Mesa, AZ auto insurance companies.
In the above example, if you are currently insured with Travelers and switched to The Hartford, you may see a yearly price reduction of in the neighborhood of $250. Insureds with USAA could save as much as $277 a year, and GEICO customers might realize rate reductions of up to $295 a year.
Understand that those estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact location for a company car. So the car insurance company that fits you best may not even be in the list above. That point stresses why you need to get car insurance quotes using your own individual information.
Finding a good quality car insurance company can be a challenge considering how many choices drivers have in Mesa. The company ratings shown below could help you select which auto insurance companies you want to consider comparing price quotes from.
The rankings below include large insurance companies, so companies that have a smaller presence are not included in this list. To check rates from these top insurers and more, follow this link.
Top 10 Large Auto Insurance Providers Overall in Mesa
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Large Auto Insurance Providers in Mesa Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Types of discounts on Mesa auto insurance rates
Insurance companies that provide coverage for a company car may provide price discounts that can reduce rates by 40% or more if you meet specific criteria. A few of the larger companies and some of the discounts include:
- American Family may offer discounts for defensive driver, accident-free, early bird, bundled insurance, air bags, mySafetyValet, and multi-vehicle.
- State Farm offers premium reductions for good driver, student away at school, driver’s education, anti-theft, Drive Safe & Save, multiple autos, and multiple policy.
- 21st Century includes discounts for homeowners, air bags, automatic seat belts, driver training, early bird, and anti-lock brakes.
- Travelers has discounts for save driver, multi-car, multi-policy, continuous insurance, IntelliDrive, and driver training.
- GEICO offers discounts including five-year accident-free, federal employee, anti-lock brakes, multi-vehicle, emergency military deployment, and good student.
The chart below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, defensive driving course, marriage, anti-theft, safe-driver, and multiple policy discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for a company car is 28% or $351.
Why you should be comparing rates
Mesa, AZ auto insurance rates are calculated based on many things which can substantially change the policy price. Improving your credit score, buying higher coverage limits, or having an at-fault accident can cause premium changes that can make some companies more affordable than others. Not only may your situation change, but insurance companies change the rates they charge in Arizona without warning to adjust for gains or losses. Larger than normal claims may cause rate increases, while lower claim levels can cause cheaper Mesa car insurance rates.
To illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Mesa, AZ for a 45-year-old female driver with a clean driving record, no accidents, and good financial standing. When comparing rates based on her personal risk profile, The Hartford might offer the cheapest car insurance rates in Mesa at $1,103 a year. This is $325 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers round out the rest of the cheapest Mesa, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident claim, bad credit, and a traffic citation. Because each company has a unique approach to determine rates, comparing rates most likely will result in a different ranking of affordable companies as shown below.
GEICO now has the cheapest auto insurance in Mesa with Ameriprise Group, Allied, CSAA, and Safeco also having competitive pricing. This example proves why consumers need to take the time to shop around with many companies to get the lowest insurance rates for a company car. Insurance prices consist of many factors and change substantially, so the best price the last time you checked may now be costing you a lot of money.
The professional agents shown below can probably aid you in deciding which policy is best, as many consumers aren’t sure which coverage to buy and prefer to have a consultation when comparing insurance rates for a company car. It’s not always easy to find the cheapest rate yourself, so a professional agent can provide satisfaction knowing your policy gives you adequate protection in the event of a claim. To find an agent near you, click the button at the bottom or click here to compare rates now.
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318
Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033
Jim Shepard – State Farm Insurance Agent
1725 E University Dr – Mesa, AZ 85203 – (480) 964-8173
Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355
View more Mesa, AZ insurance agents
Ideas for buying low-cost car insurance for a company car
It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help Mesa drivers find low-cost coverage.
- Higher credit scores can equal lower rates
- Drive a car with a high safety rating
- Accident-free drivers may qualify for discounts
- Raise deductibles to save money
- Serious violations like DUI or reckless driving can increase rates dramatically
- Compare rate quotes frequently
That last piece of advice is certainly valuable, as we emphasized in this article. Prices charged by auto insurers can be modified anytime, so don’t hesitate to switch to a new company if you can find a cheaper rate. Brand loyalty is great, but it isn’t a good idea if that stubbornness costs you lots of money. It takes less than five minutes to compare rates and find cheaper car insurance for a company car in Mesa.