Astonishing but true, a large majority of drivers in Arizona kept their policy with the same company for at least four years, and almost half have never compared rates with other companies. American drivers could save themselves almost 47% a year, but they feel it’s too difficult to shop their coverage around.
If your goal is the lowest price, then the best way to find better pricing on car insurance rates in Mesa is to do an annual price comparison from insurance carriers who provide auto insurance in Arizona.
- First, learn about how insurance companies determine prices and the factors you can control to prevent high rates. Many rating factors that result in higher rates such as speeding tickets, accidents and a poor credit rating can be amended by making minor changes to your lifestyle.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
- Third, compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
The key thing to know about shopping around is to compare identical coverage information on every price quote and and to get price quotes from as many carriers as you can. This provides an apples-to-apples comparison and a complete rate analysis.
There are several ways to compare rate quotes from many available car insurance companies in Arizona. The quickest method to comparison shop is to perform an online rate comparison.
It’s important to know that getting more free quotes will increase your chances of finding a lower rate than you’re paying now.
The providers in the list below have been selected to offer quotes in Arizona. To find the best auto insurance in Mesa, we recommend you compare several of them to get a more complete price comparison.
Why do I need car insurance?
Despite the high insurance cost for a Volvo XC90 in Mesa, insurance is most likely required but also gives you several important benefits.
- Just about all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your vehicle, most lenders will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Volvo at a much higher rate and require you to pay for the much more expensive policy.
- Insurance protects both your assets and your car. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your Volvo gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are definitely more than the cost, especially with large liability claims. The average driver in America is currently overpaying as much as $869 every year so compare rate quotes at every renewal to help ensure money is not being wasted.
Volvo XC90 insurance analysis
The premium information shown next covers different rate quotes for Volvo XC90 models. Being aware of how auto insurance policy rates are calculated helps drivers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $206 | $364 | $306 | $18 | $92 | $986 | $82 |
| XC90 3.2 R-Design 2WD | $206 | $364 | $306 | $18 | $92 | $986 | $82 |
| XC90 3.2 AWD | $230 | $418 | $306 | $18 | $92 | $1,064 | $89 |
| XC90 V8 AWD | $230 | $418 | $306 | $18 | $92 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in specific zip code location which can raise or lower premium rates greatly.
Analysis of deductible levels
When comparing insurance rates, the most common question is where should you set your physical damage deductibles. The figures shown below may help to conceptualize the difference in cost between low and high deductibles. The first rate quote example uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| XC90 3.2 R-Design 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| XC90 3.2 AWD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| XC90 V8 AWD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC90 3.2 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| XC90 3.2 R-Design 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| XC90 3.2 AWD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| XC90 V8 AWD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can alter premium rates considerably.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $25 more each month or $300 each year than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 16 months between claim filings, you would more than likely save some money by selecting a higher deductible. Below is a better example of how you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $111 |
| Average monthly premium for $500 deductibles (subtract): | – $86 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
The illustration below illustrates how choosing a deductible and can change Volvo XC90 annual premium costs for different insured age categories. The premiums assume a married male driver, full coverage, and no other discounts are factored in.
Annual premiums comparing men and women in Mesa
The example below shows the difference between Volvo XC90 insurance costs for male and female drivers. The data assumes no claims or driving citations, full coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Price comparison of only insuring for liability
The example below illustrates the difference between Volvo XC90 insurance rates with full physical damage coverage and with liability coverage only. The information is based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive formula to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Volvo XC90 replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Verify you’re applying every discount
Insurance is expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but occasionally some discounts must be inquired about before you get the savings.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Own a Home – Just owning your own home may trigger a policy discount on insurance since owning and maintaining a home shows financial diligence.
- Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out life insurance.
- Multi-policy Discount – If you have multiple policies and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
- Mature Driver Discount – If you’re over the age of 55, you can get a small discount on rates.
- Sign Online – Some companies will discount your bill up to fifty bucks get Mesa auto insurance on their website.
- Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
Don’t be surprised that most discounts do not apply to the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.
The information below shows the difference between Volvo XC90 car insurance costs with and without discounts applied to the rates. The information is based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, claim-free, and safe-driver discounts applied.
Some of the larger companies that possibly offer these benefits include:
Before buying, ask each company or agent what discounts are available to you. Discounts might not be offered in Mesa. If you would like to choose from a list of insurance companies that offer discounts in Mesa, click this link.
When to have guidance from an insurance agent
A small number of people just want to get advice from a local agent and that is OK! One of the benefits of comparing auto insurance online is you can get cheaper premium rates and still have an agent to talk to.
Once you complete this form (opens in new window), your coverage information is instantly submitted to agents in your area who will give you quotes for your auto insurance coverage. You won’t need to even leave your home because prices are sent directly to your email. You can most likely find cheaper rates AND a local agent. If you need to compare prices from a specific insurance company, you would need to navigate to their website and submit a quote form there.
Finding the right insurance company is decision based upon more than just the price. Here are some questions you might want to ask.
- Are they primarily personal or commercial lines agents in Mesa?
- Will high miles depreciate repair valuations?
- Does the agency provide any after hours assistance?
- Is there a Errors and Omissions policy in force?
- Is the agent properly licensed in Arizona?
Car insurance agents in Mesa come in two varieties
When narrowing the list to find an insurance agent, you must know there are a couple different types of agencies and how they can service your needs differently. Agencies in Mesa are classified as either independent agents or exclusive agents.
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with like Farmers Insurance and State Farm. These agents are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on their company’s products which helps them sell on service rather than price. Some insured continue to use the same agent mostly because of the brand legacy and solid financial strength.
The following are exclusive insurance agencies in Mesa who may provide you with price quotes.
- Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map - Allstate Insurance: Cameron Berrett
5052 S Power Rd #104 – Mesa, AZ 85212 – (480) 454-7518 – View Map - Aaron McDermid – State Farm Insurance Agent
10720 E Southern Ave #105 – Mesa, AZ 85209 – (480) 984-3311 – View Map
Independent Insurance Agents
Agents in the independent channel can quote rates with many companies and that enables them to quote your coverage through lots of different companies and help determine which has the cheapest rates. If premiums increase, your agent can just switch to a different company which is easy for the insured.
If you need lower rates, it’s a good idea to get insurance quotes from at least one independent agent to ensure the widest selection of prices. A lot of them also have access to companies that do not advertise much that may have much lower rates than larger companies.
The following is a short list of independent agencies in Mesa willing to provide rate quotes.
- Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418 – View Map - Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map - AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
What is the best car insurance coverage?
When selecting adequate coverage for your personal vehicles, there really is not a perfect coverage plan. You are unique.
These are some specific questions could help you determine whether you would benefit from professional advice.
- Is my custom paint covered by insurance?
- Are there companies who specialize in insuring high-risk drivers?
- Are rock-chip repairs free?
- Does my Volvo XC90 qualify for pleasure use?
- Why do I only qualify for high-risk insurance?
- When can my company non-renew my policy?
- Can my babysitter drive my car?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Mesa car insurance company ratings
Insuring your vehicle with a highly-rated insurance provider can be rather challenging considering how many different insurance companies sell coverage in Mesa. The ranking data shown next could help you pick which coverage providers you want to consider purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Cheaper auto insurance premiums are out there
When getting Mesa auto insurance quotes online, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability coverage limits and learned later they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.
Insureds switch companies for a number of reasons such as poor customer service, policy cancellation, questionable increases in premium and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.
We just covered some good ideas how to save on Volvo XC90 insurance in Mesa. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest Volvo XC90 rate quotes. You may even discover the lowest rates are with some of the smallest insurance companies.
Other resources
- Comprehensive Coverage (Liberty Mutual)
- Who Has Affordable Mesa Car Insurance Rates for Veterans? (FAQ)
- What Insurance is Cheapest for 17 Year Olds in Mesa? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Information for Teen Drivers (GEICO)
- Credit and Insurance Scores (Insurance Information Institute)