Wouldn’t it be perfect if we could look into our crystal ball and tell you the best company in Mesa that has the best deal on coverage for drivers with bad credit? It’s not that easy, however, as there are a whole slew of unknown factors like if you have a lapse in coverage, if you are married, your gender, and if you are a homeowner or renter. The information below covers the best ways to shop for cheaper coverage and will hopefully give you a solid foundation to find cheaper car insurance in Arizona.
The make and model of vehicle to be insured is one of the main factors that determines if you can find cheap auto insurance for drivers with bad credit. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The data below outlines coverage costs for some of the most economical automobiles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Explorer XLT AWD||$1,539|
|Honda CR-V LX 2WD||$1,571|
|Ford Escape XLS 4WD||$1,578|
|Chevrolet Equinox LS AWD||$1,621|
|Dodge Grand Caravan Crew||$1,653|
|Hyundai Elantra SE Touring Station Wagon||$1,704|
|Toyota Corolla XLE||$1,707|
|Ford F-150 XLT Regular Cab 2WD||$1,728|
|GMC Sierra SLT Extended Cab 2WD||$1,738|
|Jeep Wrangler Sport 4WD 2-Dr||$1,741|
|Honda Civic SI 4-Dr Sedan||$1,792|
|Honda Accord EX 2-Dr Coupe||$1,826|
|Ford Focus SE 2-Dr Coupe||$1,833|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,858|
|Chevrolet Malibu Hybrid||$1,861|
|Volkswagen Jetta LE 4-Dr Sedan||$1,866|
|Compare Rates Now Go|
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific location which can lower or raise auto insurance rates considerably.
Looking at the numbers, cars like the Toyota Prius, Ford Explorer, Honda CR-V, Ford Escape, and Chevrolet Equinox will definitely be a few of the most budget-friendly vehicles to insure for people with poor credit. The price of auto insurance will tend to be more expensive anyway just due to the fact that there is more inherent risk for drivers with bad credit, but in general those vehicles will have the least expensive rates available.
For people with poor credit, one of the largest considerations that aid in calculating auto insurance rates is where you call home. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas that tend to be more rural benefit from having to pay less for coverage.
The information below rates the most expensive areas in Arizona for drivers with bad credit in which to purchase auto insurance. Mesa ranks #5 with a yearly cost of $1,159 on average, which is approximately $97 per month.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,161|
|24||Lake Havasu City||$870|
|Find Cheaper Insurance Go|
Rates are comparative as specific location information can decrease or increase price quotes substantially.
Ending up with the top auto insurance provider can be difficult considering how many different companies insure vehicles in Mesa. The rank data in the next section could help you pick which car insurance providers to look at when comparing auto insurance rates for drivers with bad credit.
These ratings only include companies who write in the majority of U.S. states, so companies that only write business in Arizona or surrounding areas are not included in this list. To get price quotes and find cheaper insurance for drivers with bad credit, click here.
Top 10 Major Car Insurance Companies in Mesa Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Discount Mesa auto insurance rates
Insurance companies that offer cheap quotes for drivers with bad credit may also give you price discounts that could potentially reduce rates by 30% or more if you meet certain criteria. Large insurance companies and some of their more popular discounts can be read below.
- State Farm has discounts for student away at school, anti-theft, Drive Safe & Save, driver’s education, defensive driving training, and good driver.
- Farmers Insurance may include discounts for switch companies, alternative fuel, electronic funds transfer, teen driver, mature driver, and homeowner.
- Progressive has savings for multi-policy, good student, continuous coverage, online signing, multi-vehicle, and online quote discount.
- GEICO may have discounts that include air bags, multi-vehicle, daytime running lights, emergency military deployment, multi-policy, federal employee, and five-year accident-free.
- Auto-Owners Insurance policyholders can earn discounts including group or association, good student, paperless, anti-theft, and teen driver.
- The Hartford offers discounts for defensive driver, anti-theft, vehicle fuel type, bundle, air bag, driver training, and good student.
- Farm Bureau offers premium reductions for driver training, multi-policy, youthful driver, safe driver, and renewal discount.
- USAA offers discounts including good student, multi-policy, safe driver, multi-vehicle, and vehicle storage.
The example below illustrates the difference between car insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, claim-free, multiple policy, marriage, and accident-free discounts applied. With discounts applied, theaverage yearly reduction on insurance for drivers with bad credit is 28% or $392.
Why you should compare rates
Arizona insurance rates are impacted by many things that may substantially change your annual premium. Improving your credit rating, getting married, or getting into an accident may generate price changes that can cause some rates to be cheaper in comparison to the competition.
Not only may your risk profile change, but auto insurance companies modify pricing without warning to reflect underwriting profits or losses. A period of increased losses can result in higher priced premiums, while a profitable period may produce more affordable Mesa car insurance rates.
For instance, the data below analyzes the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with a good driving record, no prior claims, and a high credit rating. If we estimate prices based on his current situation, The Hartford may offer the lowest car insurance rates in Mesa at $1,078 per year. This is $350 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the cheapest Mesa, AZ auto insurance companies.
Now let’s give the driver from the first set of rates a claim or two, slightly worse credit, and a traffic ticket or two. Because each insurer has a proprietary formula to set their prices, getting updated rate quotes may result in a new list of companies as shown below.
GEICO now has the best insurance rate in Mesa, AZ with Ameriprise Group, CSAA, Auto-Owners, and Safeco now rounding out the top five. This shows why it is important to perform a complete rate comparison to find the best car insurance quotes for drivers with bad credit.
Car insurance prices are influenced by many factors and change frequently, so the cheapest option the last time you compared rates may now be priced much higher than other options.
How to find economical car insurance for drivers with bad credit
Here are many money-saving ideas that can help Mesa drivers locate cheaper car insurance.
- Drive a car with a high safety rating
- Having too many claims will increase rates substantially
- Better credit rating means better rates
- Keep your driving record clean
- At-fault accidents will increase rates
- Compare rates once a year for cheaper prices
That last idea is particularly vital, as we emphasized in this piece. Coverage prices in Mesa fluctuate constantly, so drivers shouldn’t be resistant to buy from a different company if a better deal can be had. Staying with the same car insurance company is fine, but it’s not a great idea if that loyalty results in overpaying hundreds every year. It only takes a couple minutes to compare rates and find cheaper insurance for drivers with bad credit.
The insurance agents in Mesa listed below are willing to aid you in deciding which coverage fits your budget, since some drivers have questions and prefer to have a professional recommendation when comparing insurance rates for people with poor credit. It can be complicated to find the best rates on your own, so getting advice from a licensed agent can give comfort knowing you have adequate coverage when you need it most.
To locate a Mesa insurance agent nearest to you, click the link at the bottom or click here to get price quotes now.
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020
Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900
The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600
Allstate Insurance: John Lawlor
4710 E Falcon Dr Ste 111 – Mesa, AZ 85215 – (480) 807-0675
Vandy Ford – State Farm Insurance Agent
6938 E Parkway Norte #2 – Mesa, AZ 85212 – (480) 497-3933