Do you get exhausted from trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as the majority of other consumers in Arizona.
Inconceivable but true, nearly 70% of drivers have stayed with the same insurance company for more than four years, and almost 40% of drivers have never compared car insurance rates at all. The average driver in Mesa could save as much as 50% every year just by shopping around, but they don’t believe how much they could save if they changed companies.
How to buy lower priced Acura TSX insurance in Mesa
If saving money is your primary concern, then the best way to get low-cost Acura TSX insurance in Mesa is to do a yearly price comparison from different companies who provide car insurance in Arizona. You can compare rates by following these guidelines.
Step 1: Gain an understanding of how your policy works and the measures you can take to lower rates. Many risk factors that result in higher prices like inattentive driving and a less-than-favorable credit rating can be improved by making small lifestyle or driving habit changes. Continue reading for more information to help prevent high rates and get additional discounts that may have been overlooked.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agents can quote prices from multiple companies. Select a company
Step 3: Compare the new quotes to your existing rates to see if a cheaper rate is available in Mesa. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
Step 4: Provide written notification to your current company of your intention to cancel the current policy and submit the required down payment along with the signed application for the new policy. Immediately keep the new proof of insurance paperwork in an easily accessible location in your vehicle.
One tip to remember is that you use the same amount of coverage on each quote and and to get quotes from as many auto insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.
Consumers have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, more options can take longer to compare rates and cut insurance costs.
You should make it a habit to do price comparisons as often as possible because car insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rate on Acura TSX insurance in Mesa a few years ago you can probably find a better price now. Ignore everything you know about car insurance because you’re about to find out the best way to properly buy coverages while reducing your premium.
Buying the cheapest insurance in Mesa is really quite easy. If you are already insured, you will most likely be able to find the best rates using the ideas covered in this article. Nevertheless, Arizona car owners do need to learn how the larger insurance companies calculate your policy premium because rates are impacted by many factors.
Car insurance providers offering low-cost prices in Arizona
The companies shown below can provide comparison quotes in Mesa, AZ. If you want the best cheap car insurance in Arizona, it’s a good idea that you visit as many as you can to get the best price comparison.
Coverage statistics and figures
The table displayed below outlines estimates of coverage prices for Acura TSX models. Having a good grasp of how auto insurance prices are formulated can aid in making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TSX Technology Package||$224||$450||$268||$16||$80||$1,038||$87|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates greatly.
Irresponsible driving raises your rates
The information below shows how speeding tickets and accident claims can influence Acura TSX car insurance rates for different ages of insureds. The information is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Mesa auto insurance discounts
Auto insurance is not an enjoyable expense, but there are discounts available that can dramatically reduce your bill. Most are applied at the time you complete a quote, but once in a while a discount must be asked about prior to receiving the credit. If you do not check that you are getting every discount available, you are just wasting money.
- Senior Discount – Drivers that qualify as senior citizens can get reduced rates.
- Passive Restraints – Factory air bags may qualify for discounts of more than 20%.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
- Telematics Discount – Insureds who allow data collection to monitor when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
- Discount for Swiching Early – Some auto insurance companies provide a discount for renewing your policy before your current TSX insurance policy expires. You could save around 10% when you buy Mesa auto insurance online.
- Discounts for Multiple Vehicles – Insuring multiple cars with the same auto insurance company qualifies for this discount.
Discounts save money, but please remember that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you could get a free auto insurance policy, it just doesn’t work that way. But all discounts will definitely reduce the cost of coverage.
The chart below illustrates the difference between Acura TSX yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.
Some of the larger companies that may have some of the above discounts are:
Before purchasing a policy, check with each company or agent how you can save money. Some of the discounts discussed earlier may not apply to policyholders in Mesa. To see insurers who offer cheap Acura TSX insurance quotes in Mesa, click here.
Auto insurance agents near you
Many people would prefer to buy from a licensed agent and doing so can bring peace of mind One of the benefits of price shopping on the web is that drivers can save money and get cheaper rates and still have a local agent.
To make it easy to find an agent, after completing this quick form, your insurance data gets sent to local insurance agents in Mesa who will return price quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent directly to your email. Get lower rates AND an agent nearby. If you want to get a price quote from a particular provider, you just need to visit that company’s website and submit a quote form there.
Finding a good insurance company should include more criteria than just the premium amount. These are valid questions to ask:
- What company holds the largest book of business for them?
- How many companies do they write for?
- Can you use your own choice of collision repair facility?
- How experienced are they in personal risk management?
- Are they primarily personal or commercial lines agents in Mesa?
What type of Mesa auto insurance agent is right for you?
When searching for a reputable insurance agent or broker, it can be helpful to understand the different types of agents to choose from. Auto insurance agents in Mesa may be either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
Exclusive agencies can only place business with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents receive extensive training on what they offer which helps overcome the inability to quote other rates.
The following are exclusive insurance agents in Mesa that are able to give comparison quotes.
Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map
American Family Insurance – Angela Williams Agency, Mesa, AZ
9221 E Baseline Rd Ste A106 – Mesa, AZ 85209 – (480) 354-6300 – View Map
Independent agencies are not employed by one company so they can write business with any number of different companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier and you don’t have to switch agencies. If you are comparing rate quotes, we recommend you compare prices from a few independent agents in order to have the best price comparison.
Shown below are Mesa independent agents that are able to give rate quotes.
Coverages available on your policy
Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.
Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as damage from flooding, hitting a bird, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Acura TSX.
Since a lot of drivers carry very low liability coverage limits (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as rehabilitation expenses, dental work, hospital visits and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability coverages – This coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/10 which stand for $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for things like repair bills for other people’s vehicles, medical services, emergency aid and loss of income. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry better liability coverage.
The chart below demonstrates why low liability limits may not be high enough to adequately cover claims.
Collision coverage – This covers damage to your TSX resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible on your TSX to bring the cost down.
Shop around and save
Cheaper Acura TSX insurance in Mesa is definitely available on the web in addition to many Mesa insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide rates over the internet and most of the time these small, regional companies work with independent agents.
When shopping online for insurance, do not buy poor coverage just to save money. There are too many instances where an insured cut full coverage only to discover later that it was a big error on their part. Your objective should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.
How to save on Acura TSX insurance in Mesa
Truthfully, the best way to find low-cost car insurance rates is to start comparing rates regularly from insurance carriers that sell auto insurance in Mesa.
- Step 1: Gain an understanding of how auto insurance works and the measures you can control to lower rates. Many risk factors that result in higher prices such as tickets, at-fault accidents, and bad credit can be improved by improving your driving habits or financial responsibility.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple insurance companies.
- Step 3: Compare the new quotes to the price on your current policy to determine if you can save on TSX insurance. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
A good tip to remember is to compare identical deductibles and limits on each quote request and and to get price estimates from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and the best price quote selection.
- Senior Drivers (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
- What Auto Insurance is Cheapest for 4×4 Vehicles in Mesa? (FAQ)
- Who Has Cheap Car Insurance Quotes for Low Credit Scores in Mesa? (FAQ)
- How Much are Auto Insurance Quotes for Used Cars in Mesa? (FAQ)
- What Insurance is Cheapest for College Graduates in Mesa? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Credit Impacts Car Insurance Rates (State Farm)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)