The words “economical” and “insurance” probably shouldn’t be used together, specifically when comparison shopping for the cheapest coverage for good drivers. Let’s get started by showing you some situations that determine insurance premiums, and find a way to lower the cost of the next policy you buy.
For safe drivers, one of the largest components that are looked at to help calculate the amount you pay each year for auto insurance is where you call home in Mesa. Cities with larger populations tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The table below rates the priciest cities in Arizona for good drivers to purchase a policy in. Mesa shows up at #5 with the yearly price of $1,159 for the average policy, which is approximately $97 per month.
|3||San Tan Valley||$1,185|
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Table data uses approximated as the specific garaging location can raise or lower premiums considerably.
Finding out which companies offer the cheapest insurance rates for good drivers will take a bit more effort in order to find the best price. Each insurer has a different formula for setting rates, so let’s take a look at the insurance companies that tend to be cheaper in Mesa.
It’s important to understand that Mesa insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Simply getting older, having a teenage driver, or getting a ticket for running a stop sign can cause premium changes resulting in some companies being more affordable than the competition.
Find Cheaper Auto Insurance for Good Drivers
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford may have some of the most affordable car insurance rates in Mesa at around $845 a year. This is $583 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers would also be considered some of the lowest-priced Mesa, AZ insurance companies.
As shown above, if you are a customer of USAA and switched to The Hartford, you might achieve an annual premium reduction of upwards of $246. Customers with Travelers may save as much as $263 a year, and Progressive policyholders might lower prices by up to $285 a year.
Remember that these rates are averaged for all insureds and vehicles and do not take into consideration an exact location for good drivers. So the insurer that fits you best may not even be in the list above. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.
The vehicle model on the policy is one of the largest considerations when shopping around for low-priced insurance for good drivers. Vehicles with lower performance, advanced safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models. The list below illustrates coverage costs for a number of the most economical automobiles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,350|
|Ford Explorer XLT 2WD||$1,514|
|Honda Odyssey EX||$1,569|
|Ford Escape Limited 2WD||$1,582|
|Toyota Camry SE||$1,680|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,712|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,735|
|Honda Accord EX-L 2-Dr Coupe||$1,825|
|Dodge Ram 2500 Mega Cab SLT 4WD||$1,857|
|Dodge Ram 3500 Mega Cab SLT 2WD||$1,862|
|Dodge Grand Caravan SE||$1,857|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,865|
|Honda Civic LX 4-Dr Sedan||$1,891|
|Hyundai Elantra Blue 4-Dr Sedan||$1,899|
|Ford F-250 XL Super Cab Harley Edition 2WD||$1,910|
|GMC Sierra 2500HD SLT Extended Cab 2WD||$1,918|
|Ford Focus S 4-Dr Sedan||$1,923|
|Toyota Tacoma 2WD||$1,930|
|Ford Edge Limited AWD||$1,925|
|Chevrolet Impala LTZ||$1,933|
|Chevrolet Silverado 2500HD LTZ Crew Cab 2WD||$1,941|
|Jeep Grand Cherokee Limited 2WD||$1,960|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle garaging location which can lower or raise insurance rates substantially.
Looking at the data, we can infer that cars like the Honda CR-V, Ford Explorer, Honda Odyssey, and Ford Escape are likely to be the most economical vehicles to insure for safe drivers.
Types of discounts on Mesa insurance
Insurance companies that provide coverage for good drivers may have discounts that could lower prices by as much as 30% if you meet the requirements. A few of the larger companies and a partial list of their discounts are detailed below.
- State Farm discounts include passive restraint, anti-theft, good driver, driver’s education, safe vehicle, good student, and Drive Safe & Save.
- Liberty Mutual includes discounts for hybrid vehicle, new move discount, preferred payment discount, safety features, multi-car, new vehicle discount, and good student.
- American Family has savings for air bags, good driver, TimeAway discount, bundled insurance, defensive driver, and multi-vehicle.
- Progressive has discounts for multi-policy, online quote discount, multi-vehicle, online signing, and homeowner.
- Farmers Insurance may offer discounts for switch companies, pay in full, mature driver, good student, distant student, and multi-car.
- Auto-Owners Insurance may include discounts for multi-policy, paperless, anti-lock brakes, safe driver, and student away at school.
- SAFECO may have discounts that include homeowner, anti-lock brakes, bundle discounts, drive less, multi-car, safe driver, and teen safe driver.
The illustration below shows the comparison of car insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims or violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, anti-theft, accident-free, marriage, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for good drivers is 28% or $372.
Buying coverage from a good quality car insurance company is difficult considering how many choices you have in Arizona. The ranking data shown below may help you decide which insurers to look at purchasing coverage from. These rankings are for the largest companies in America, so smaller regional companies will not be included in the list.
Top 10 Large Auto Insurers in Mesa Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
The illustration below highlights how deductible selection can increase or decrease insurance premiums when researching cheap insurance for good drivers. The data is based on a single female driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could cut expenses by $330 a year by changing from a $100 deductible up to a $500 deductible, or save $500 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could save up to $844 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Why are you paying too much for Mesa car insurance?
Mesa, AZ insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit rating, moving to a different location, or getting into an accident can trigger rate changes resulting in some rates now being cheaper than before.
In addition, insurers modify rates as often as every quarter to help ensure profitability. Higher than usual claims may cause a rate increase, while a better loss history can cause cheaper Mesa car insurance rates.
As an example, the graph below shows which company has the cheapest car insurance in Mesa, AZ for a 35-year-old male driver with a clean driving record, no accidents, and a good credit history. If we estimate rates based on his personal profile, The Hartford may offer the lowest car insurance rates in Mesa at $1,070 per year. This is $358 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Mesa, AZ auto insurance companies.
The chart below compares rates after we give the driver in the first chart a claim or two, a lower credit score, and a speeding citation. Since every insurance provider has a proprietary formula to set their prices, getting updated rate quotes could now result in a new list of affordable companies as shown below.
Progressive now has the best auto insurance rate in Mesa with Ameriprise Group, CSAA, Allied, and Auto-Owners also being competitive. This example demonstrates why consumers need to compare as many rates as possible to find the best car insurance quotes for good drivers. Insurance rates are calculated by many things and change dramatically, so the most economical option three years ago may now be priced much higher than other options.