It’s hard to believe, but the vast majority of insurance customers have purchased from the same company for at least four years, and approximately 38% of consumers have never even shopped around for cheap coverage. Most drivers in Arizona could pocket 50% a year just by comparing rates, but most tend to underestimate how much savings they would realize if they moved their coverage to a different company.
It takes a little time, but the best way to get the cheapest car insurance rates is to start comparing rates regularly from insurers who provide car insurance in Mesa.
- Try to learn about policy coverages and the modifications you can make to keep rates in check. Many risk factors that cause rate increases such as tickets, at-fault accidents, and a not-so-good credit history can be rectified by improving your driving habits or financial responsibility. Continue reading for instructions to prevent high rates and find additional discounts you may qualify for.
- Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can provide prices for a wide range of insurance providers.
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, ensure coverage does not lapse between policies.
An important bit of advice to remember is to make sure you enter identical coverages on each quote request and and to get price quotes from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
Our goal in writing this article familiarize you with the best way to quote coverages and some tips to save money. If you are already insured, you will definitely be able to buy cheaper auto insurance using the techniques covered below. But Arizona drivers must comprehend how big insurance companies determine what you pay and use this information to your advantage.
When comparing car insurance rates, know that comparing more rates from different companies increases the chance that you will find more affordable insurance. Some insurance companies are not set up to provide online Mesa RS7 insurance quotes, so it’s recommended that you also compare price estimates on coverage from those companies, too.
The companies shown below provide free rate quotes in Mesa, AZ. If your goal is to find the best auto insurance in Arizona, we recommend you get price quotes from several of them in order to find the most affordable rates.
Auto insurance protects more than just your car
Despite the potentially high cost of Audi RS7 insurance, auto insurance may be mandatory for several reasons.
- Just about all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability insurance in order to license the vehicle. 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 have a loan on your vehicle, it’s guaranteed your bank will force you to buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your Audi for a much higher rate and force you to reimburse them much more than you were paying before.
- Auto insurance preserves not only your Audi but also your assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance more than offset the price you pay, especially if you ever need it. As of last year, the average driver in Arizona overpays as much as $810 a year so it’s recommended you shop around every year to help ensure money is not being wasted.
Insurance coverage options for an Audi RS7
Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.
Coverage for collisions
Collision coverage covers damage to your RS7 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like colliding with a tree, scraping a guard rail, colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible on your RS7 to bring the cost down.
Comprehensive insurance
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, fire damage, theft, falling objects and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability insurance
This can cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/10 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims like funeral expenses, loss of income, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more liability than the minimum.
The next chart demonstrates why buying minimum limits may not be adequate.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like pain medications, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
What is the best car insurance company in Arizona?
Finding a high-quality auto insurance company is difficult considering how many choices drivers have in Mesa. The ranking information shown below may help you select which companies you want to consider when looking for cheaper rates.
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Mesa Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance