The words “low-priced” and “auto insurance” really should not be used together, especially when shopping around for the best car insurance for good students. Let’s learn about some things that help determine auto insurance rates, and see if you can shave a little off the next policy you buy.
The vehicle model that is being insured is a large consideration that determines if you can find cheap auto insurance for good students. Vehicles with limited top-end speed, good safety features, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.
The information below outlines coverage prices for a handful of the most cost-effective vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$4,776|
|Honda Accord LX 4-Dr Sedan||$4,783|
|Hyundai Elantra GLS Touring Station Wagon||$4,776|
|Ford Escape XLT 4WD||$4,830|
|Honda Odyssey LX||$5,294|
|Jeep Wrangler Sahara 4WD 2-Dr||$5,348|
|Volkswagen Jetta 2.0T Station Wagon||$5,519|
|Chevrolet Impala LS||$5,611|
|Toyota Camry LE||$5,665|
|Toyota RAV4 2WD||$5,675|
|Ford F-150 SVT Raptor Super Cab 4WD||$5,718|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$5,724|
|Ford Explorer Limited AWD||$5,718|
|Dodge Grand Caravan SXT||$5,725|
|Nissan Altima 2.5 S 4-Dr Sedan||$5,984|
|Ford Edge Sport 2WD||$5,994|
|Toyota Corolla S||$5,984|
|Chevrolet Malibu LTZ||$6,037|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$6,046|
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Prices above based on single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices noticeably.
By looking at the data, makes and models like the Honda CR-V, Honda Accord, Hyundai Elantra, Ford Escape, and Toyota Prius are the most budget-friendly vehicles to insure for student drivers.
For student drivers, one of the largest things that are looked at to determine the cost of insurance is the neighborhood you call home in Mesa. More densely populated places tend to have more expensive car insurance rates, whereas areas with less congestion benefit from lower rates.
The next table sorts the most expensive places in Arizona for good students to buy an auto insurance policy in. Mesa comes in at #6 costing $1,147 for the average insurance policy, which is about $96 each month.
|5||San Tan Valley||$1,150|
|25||Lake Havasu City||$844|
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Rate information is estimated as specific Mesa zip code can alter rates noticeably.
Comparing quotes for reasonably-priced car insurance is confusing at best, and determining which companies quote the cheapest insurance rates for good students will take even more diligence. Every car insurance company has a proprietary formula for setting rates, so let’s begin by taking a look at the insurance companies with the most affordable rates in Mesa, AZ.
It’s a good idea to know that Mesa, AZ insurance rates are impacted by many factors which can substantially change the cost of your policy. This price variability is why it is important to compare lots of rates to get affordable car insurance rates for good students. Rates consist of many things and can change substantially, so the most economical company the last time you checked may now be an over-priced policy.
Find the Best Cheap Insurance for Students
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford may offer some of the most affordable car insurance rates in Mesa at around $836 annually. This is $592 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the cheaper Mesa, AZ car insurance companies.
As shown in the rates above, if you buy coverage from USAA and switched to Safeco, you might see an annual premium reduction of in the vicinity of $219. Drivers with GEICO could save as much as $226 a year, and Progressive insureds might lower prices by $259 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the companies below.
Be aware that those policy prices are averages for all drivers and vehicles in Arizona and and are not calculated with an exact location for good students. So the auto insurance company that is best for you may not even be in the top 28 companies shown above. That emphasizes why you need to get quotes using your own individual information.
The example below shows how choosing a deductible can raise or lower insurance premiums when researching cheap insurance for good students. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could save $276 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $416 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut up to $684 each year by selecting a higher deductible. When using a larger deductible, it will now be necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Safe drivers pay cheaper rates
The best way to maintain affordable insurance premiums in Arizona for student drivers is to be a good driver and avoid traffic citations and accidents. The illustration below highlights how traffic violations and accident claims raise insurance costs for each age group. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.
In the chart above, the average cost of a car insurance policy in Arizona per year with no violations or accidents is $1,447. Add in two speeding tickets and the average cost swells to $2,054, an increase of $606 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for good students goes up to an average of $4,442. That’s an increase of $2,995, or $250 per month, just for not maintaining a clean driving record!
You are probably paying too much for car insurance
Mesa, AZ insurance rates are influenced by many factors that can increase the price of coverage. Simply improving your credit, getting divorced, or getting a couple of tickets may cause policy rate changes that can cause some rates to be cheaper in comparison to the competition.
Also, companies modify rates at least once a year in order to protect their financial rating. A period of higher than normal claims may cause higher prices, while lower claims may result in lower-priced Mesa car insurance rates.
To illustrate this point, the data below shows which companies have the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no accidents, a clean driving record, and solid credit. If we estimate prices based on his personal risk profile, The Hartford may have the most affordable car insurance rates in Mesa at $1,078 per year. This is $350 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also make the list of the most affordable Mesa, AZ auto insurance companies.
The chart below compares rates after we give the driver from the above example a chargeable accident, poor credit, and a speeding citation. Due to the fact that each insurance company uses their own formula to set policy rates, getting updated rate quotes could result in a substantially altered list of affordable companies as shown below.
GEICO now has the lowest price in Mesa, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual now rounding out the top five. This demonstrates why it is critical to perform a complete rate comparison to get the most economical auto insurance quotes for good students. Rates are determined by many things and can change substantially, so the best option the last time you compared rates may now be one of the more expensive options.
How to find the cheapest insurance for good students
Below you’ll find some of the better thrifty suggestions that can help Arizona drivers get more affordable car insurance.
- Higher credit ratings may save you money
- Try paying for small claims out-of-pocket
- Buying home and auto insurance together can earn discounts
- Drop full coverage on older vehicles
- Increase the comprehensive and collision deductibles on your policy
- Drive a car with a high safety rating
- Compare rates often to find the best deal
The last suggestion is especially important, as we hit on in the prior article. Car insurance rates fluctuate constantly, so don’t be tentative to change to a new company if a lower price can be found.
Having brand loyalty is commendable, but it’s not recommended if that loyalty results in overpaying a fortune every year. In less than five minutes you could compare rates to find cheaper insurance for good students in Mesa.
The professional agents shown below can help you make a decision which coverage meets your needs best, since some people have coverage questions and would like to have professional advice when shopping around for cheaper insurance for student drivers. It can be complicated to find the best policy yourself, so professional agents can add comfort knowing your coverage gives you decent coverage if you have a claim. To locate a Mesa insurance agent in your neighborhood, click the button following the list or click here to compare rates now.
- ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400
- The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600
- Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140
- Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209
- Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117