Finding cheap auto insurance is difficult, and figuring out which company quotes the best insurance rates for postal workers takes a bit more work.
Each insurance company uses slightly different criteria to determine rates, so let’s take a look at the lowest cost insurance companies in Mesa. It’s a good idea to know that Mesa, AZ insurance rates are based on many factors that may substantially change the price you pay. Events like turning one year older, buying a different vehicle, or getting a ticket for running a stop sign may generate price changes that can make some companies much higher than others.
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The Hartford generally has some of the most affordable car insurance rates in Mesa at around $811 each year. This is $617 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive also make the cut as some of the more affordable Mesa, AZ auto insurance companies.
In the rate table above, if you are a customer of Auto-Owners and switched to The Hartford, you might realize an annual premium reduction of around $104. Policyholders with Safeco could save as much as $112 a year, and Travelers insureds might reduce rates by $264 a year.
If you want to find out if you’re overpaying, click here to get a free quote or click several companies below for low rates.
Be aware that those policy rates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific location for postal workers. So the car insurance company that can offer you the best rate may not even be in the top 28 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.
For postal employees, one of the largest criteria that help determine the cost of insurance is where you keep your car in Mesa. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The illustration below shows the most costly cities in Arizona for postal workers to buy car insurance in. Mesa ranks #5 with a yearly cost of $1,159 for coverage, which is about $97 per month.
|3||San Tan Valley||$1,196|
|25||Lake Havasu City||$844|
|Start a Quote Go|
Prices are approximated as the specific Mesa residence address can influence auto insurance rates significantly.
Get discount Mesa insurance rates
Insurers that provide coverage for postal workers may have special discounts that can lower rates by as much as 35% if you meet eligibility requirements. Popular insurance companies and some of the discounts can be found below.
- State Farm policyholders can earn discounts including multiple autos, passive restraint, defensive driving training, anti-theft, Steer Clear safe driver discount, safe vehicle, and accident-free.
- Esurance may offer discounts for defensive driver, anti-theft, multi-policy, paid-in-full, and renters.
- Progressive discounts include multi-policy, online quote discount, good student, multi-vehicle, homeowner, online signing, and continuous coverage.
- Liberty Mutual includes discounts for multi-policy, multi-car, hybrid vehicle, newly retired, exclusive group savings, and new move discount.
- Auto-Owners Insurance offers premium reductions for air bags, group or association, student away at school, anti-theft, and paid in full.
- GEICO may include discounts for membership and employees, seat belt use, military active duty, daytime running lights, federal employee, and good student.
The example below illustrates the difference between yearly insurance costs with and without discounts applied. The costs are based on a female driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, claim-free, anti-theft, homeowner, passive restraint, and safe-driver discounts applied. When discounts are applied, theamount saved on insurance for postal workers is 28% or $372.
The example below illustrates how your deductible choice can influence insurance costs when searching for cheap insurance for postal workers. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could save $236 a year by increasing from a $100 deductible up to a $500 deductible, or save $358 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could lower their rates up to $602 annually by selecting a higher deductible.
If you do decide to increase your deductibles, it is important to have plenty of money set aside to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Who has the cheapest Mesa car insurance?
Mesa insurance rates are impacted by many factors that may substantially change the cost of a policy. Simply improving your credit, getting divorced, or getting a driving violation may cause policy rate changes that may make certain companies cheaper than before. Not only may your risk profile change, but auto insurance companies amend premium rates without warning to ensure their profitability. Unexpectedly high claims may result in higher rates, while profitable underwriting may result in lower-cost Mesa car insurance rates.
To illustrate this point, the chart below shows the company with the cheapest car insurance in Mesa, AZ for a 40-year-old male driver with a clean driving record, no accidents, and good financial standing. Based on his current situation, The Hartford quotes the best car insurance rates in Mesa at $1,114 a year. This is $314 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Progressive are the remaining best Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a chargeable accident, less-than-perfect credit, and a speeding ticket. Because each insurer has a proprietary method for filing rates in each state, comparing quotes may result in a substantially altered list of the cheapest companies as shown below.
GEICO now has the cheapest car insurance in Mesa with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual now rounding out the top five. This example proves why consumers need to take the time to compare many different companies when trying to get the most budget-friendly auto insurance rates for postal workers.
Prices are determined by many things and change dramatically, so the most economical option three years ago may now not even be in the top five.
If you have questions and prefer to have professional advice when comparing insurance rates for postal employees, the agents shown below can help you decide which coverage meets your needs best.
To locate a Mesa insurance agent in your neighborhood, click the button below the list or click here to compare rates now.
Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724
Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080
Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209