Truthfully, the best way to find the cheapest price for Hyundai Ioniq insurance is to compare quotes annually from insurance carriers in Mesa.
- Learn about the coverage provided by your policy and the measures you can control to prevent high rates. Many policy risk factors that result in higher rates like getting speeding tickets and a negative credit history can be remedied by making minor changes in your lifestyle. Continue reading for information to get cheaper rates and find missing discounts.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies.
- Compare the price quotes to your existing coverage and see if you can save money. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
One important bit of advice is to try to compare the same amount of coverage on every price quote and to quote with every insurance company. Doing this provides an apples-to-apples comparison and a thorough selection of prices.
Unfortunately, a large majority of drivers have purchased from the same company for four years or more, and 38% of customers have never even compared rates from other companies. American drivers can save hundreds of dollars each year, but they just don’t understand how easy it is to compare rate quotes.
Best companies for competitive Hyundai Ioniq insurance in Arizona
The companies in the list below have been selected to offer price quotes in Arizona. If you wish to find cheaper car insurance in Arizona, it’s highly recommended you visit several of them to get the best price comparison.
Smart Choices Result in Lower Insurance Rates
Smart consumers have a good feel for some of the things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may result in lower car insurance prices. Many different elements are used when you get your auto insurance bill. Some are obvious such as your driving record, but some are more obscure such as your marital status or your commute time.
The itemized list below are some of the major factors used by your company to calculate your premiums.
Your age impacts your premiums – More experienced drivers are shown to be more cautious, cause fewer claims and accidents, and get fewer tickets. Young drivers are proven to be careless and easily distracted behind the wheel therefore car insurance rates are much higher.
Your address can impact price – Having an address in areas with lower population can be a good thing when buying car insurance. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims. People who live in big cities tend to have much more traffic and higher rates of accident claims. Higher commute times means a statistically higher chance of an accident.
Policy lapses raise prices – Going without insurance will be a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license.
Single drivers may have higher costs – Having a significant other can get you a discount when shopping for car insurance. It may mean you are more mature and responsible and insurance companies like that married drivers get in fewer accidents.
Affordable rates by taking advantage of discounts
Buying auto insurance is not cheap, but there are discounts available that you may not even know about. Certain reductions will be credited at the time of purchase, but some discounts are required to be asked about in order for you to get them. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.
- Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
- Payment Method – By paying your entire bill at once as opposed to paying monthly you may have a lower total premium amount.
- Senior Citizen Discount – If you’re over the age of 55, you can get a slight reduction on a Mesa auto insurance quote.
- No Charge for an Accident – Not necessarily a discount, but some insurance companies will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
- Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
- Own a Home – Being a homeowner may trigger a policy discount on auto insurance since home ownership demonstrates responsibility.
As is typical with insurance, most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.
Companies and some of the premium reductions they offer are:
- GEICO has discounts for anti-lock brakes, multi-vehicle, seat belt use, good student, driver training, and daytime running lights.
- SAFECO may include discounts for accident prevention training, teen safe driver, multi-car, anti-theft, and bundle discounts.
- State Farm has savings for Drive Safe & Save, defensive driving training, driver’s education, good student, anti-theft, multiple autos, and passive restraint.
- MetLife offers discounts including defensive driver, claim-free, multi-policy, accident-free, and good student.
- 21st Century includes discounts for theft prevention, early bird, 55 and older, driver training, defensive driver, student driver, and anti-lock brakes.
- Progressive offers premium reductions for multi-vehicle, online quote discount, multi-policy, continuous coverage, homeowner, and online signing.
If you are trying to find the cheapest Hyundai Ioniq rate quotes, ask all the companies which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders everywhere. For a list of companies that offer some of these discounts in Arizona, click here to view.
Compare prices but buy from a local Mesa insurance agent
Certain consumers just prefer to have an agent’s advice and that is not a bad decision Good agents can point out coverage gaps and help you file claims. A good thing about getting free rate quotes online is the fact that drivers can get cheap rate quotes and still buy from a local agent.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to agents in your area that give free quotes for your business. It makes it easy because there is no need to drive around because prices are sent to your email. If for some reason you want to compare prices from a specific insurance company, you just need to go to their quote page and fill out the quote form the provide.
Selecting an provider is decision based upon more than just a cheap quote. Before buying a policy in Mesa, get answers to these questions.
- Do they reduce claim amounts on high mileage vehicles?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are they able to influence company decisions when a claim is filed?
- Do they receive special compensation for putting your coverage with one company over another?
- Is every driver in your family covered?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What is their Better Business Bureau rating?
- Which company do they place the most coverage with?
If you’re trying to find local Mesa agents, there are two different types of agencies and how they function. Car insurance agents in Mesa may be either independent (non-exclusive) or exclusive. Either type can handle car insurance, but it’s a good idea to understand how they differ because it may have an impact on which agent you choose.
These type of agents can usually just insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They are unable to give you multiple price quotes so they really need to provide good service. They receive extensive training in insurance sales which helps them sell on service rather than price.
Shown below are Mesa exclusive insurance agencies who may provide you with price quote information.
Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map
Manuel Ramirez – State Farm Insurance Agent
911 N Country Club Dr – Mesa, AZ 85201 – (480) 964-7777 – View Map
Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map
Independent Insurance Agents
Agents in the independent channel are not employed by one company so they can write business with lots of companies and get you the best rates possible. If they quote lower rates, your agent can switch companies and you don’t have to do anything. When comparing car insurance rates, we highly recommend that you get insurance quotes from multiple independent agents so that you can do a thorough price comparison.
Shown below is a short list of independent insurance agencies in Mesa who can help you get comparison quotes.
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400 – View Map
Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418 – View Map
Ayala Insurance Service, LLC
830 W Southern Ave #10 – Mesa, AZ 85210 – (480) 844-1555 – View Map
After getting good responses to any questions you may have and locked in a price quote, you have narrowed it down to an insurance agency that is a good match to properly insure your vehicles. Just keep in mind you have the power to terminate your policy for any reason so never feel you are locked into the car insurance policy with no way out.
Be persistent to save money
When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford.
We’ve covered a lot of tips how to reduce Hyundai Ioniq insurance rates online in Mesa. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper Mesa auto insurance quotes. You may even find the lowest rates come from a small mutual company. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has Affordable Mesa Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
- How Much are Auto Insurance Rates for a GMC Sierra in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Mesa? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Help Your Teen Be a Better Driver (State Farm)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)