You have most likely watched the catchy advertisements from insurers like Farmers and Liberty Mutual promising dirt cheap rates. So drivers should just pick the company with the best ad, right?
It’s not quite that easy, unfortunately, as there are a whole bunch of unknown aspects like what your desired deductibles are, where you live, whether or not you own a home, and whether you are male or female. If you keep reading, we will teach you about the things that influence insurance rates and will hopefully give the reader a jump start in finding the best auto insurance in Arizona.
The vehicle on the policy is probably the biggest factor when comparing quotes for affordable insurance for police officers. Vehicles with lower performance, a great safety record, or low incidents of liability claims will cost less to insure than higher performance models.
The data below illustrates coverage prices for a selection of the most budget-friendly automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,533 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,536 |
| Dodge Grand Caravan CV | $1,565 |
| Ford Escape XLS 2WD | $1,581 |
| Ford Edge SE AWD | $1,626 |
| Jeep Grand Cherokee Laredo 2WD | $1,656 |
| Volkswagen Jetta S 4-Dr Sedan | $1,664 |
| Chevrolet Malibu LT | $1,688 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,738 |
| Toyota Tacoma X-Runner 2WD | $1,743 |
| Hyundai Elantra SE 4-Dr Sedan | $1,752 |
| Toyota Prius | $1,749 |
| Ford F-150 XLT Super Cab 4WD | $1,751 |
| GMC Sierra SLT Crew Cab 2WD | $1,775 |
| Toyota Corolla XRS | $1,784 |
| Chevrolet Impala LS | $1,781 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,807 |
| Nissan Altima 2.5 4-Dr Sedan | $1,815 |
| Toyota Camry LE | $1,822 |
| Ford Explorer Limited 4WD | $1,853 |
| Toyota RAV4 Limited 4WD | $1,863 |
| Chevrolet Equinox LS 2WD | $1,869 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,898 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific location which can change premiums significantly.
Looking at the rates, you can conclude that models like the Honda CR-V, Jeep Wrangler, Dodge Grand Caravan, Ford Escape, and Ford Edge should be some of the more affordable vehicles to insure for law enforcement personnel.
Determining which insurers offer the cheapest insurance rates for police officers calls for more work in order to find the best policy.
Every insurance provider uses their own calculation for determining rates, so let’s examine the insurance companies with the overall cheapest rates in Mesa, AZ. We do need to point out that Mesa insurance rates are based on many factors that can increase the price you have to pay. Simply having another birthday, buying a home instead of renting, or having a fender bender can trigger rate changes resulting in some rates now being more affordable than the competition.
Find Cheaper Car Insurance for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Safe Auto | $1,323 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,433 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford quotes some of the most affordable car insurance rates in Mesa at around $820 a year. Safeco, Auto-Owners, USAA, and Travelers would also be considered some of the more affordable Mesa, AZ auto insurance companies.
As shown in the table above, if you are insured with USAA and switched to The Hartford, you could earn a yearly price reduction of upwards of $271. Insureds with Travelers may save as much as $299 a year, and Progressive insureds might reduce prices by as much as $310 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or quote rates from the companies below.
Bear in mind that those policy prices are averaged for all drivers and vehicles in Arizona and and are not figured with a specific zip code for police officers. So the insurer that is most affordable for your situation may not even be in the top 28 companies shown above. That is why you need to quote rates from as many companies as possible using your own individual information.
One of the many criteria that are used to help calculate the price you pay for insurance is the neighborhood you call home in Mesa. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The next table sorts the most expensive cities in Arizona for police officers to purchase auto insurance in. Mesa makes the list at #7 with the yearly price of $1,147 for the average insurance policy, which is approximately $96 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,196 |
| 5 | Scottsdale | $1,163 |
| 6 | Buckeye | $1,156 |
| 7 | Mesa | $1,147 |
| 8 | Gilbert | $1,142 |
| 9 | Chandler | $1,126 |
| 10 | Goodyear | $1,120 |
| 11 | Maricopa | $1,107 |
| 12 | Tempe | $1,106 |
| 13 | Tucson | $1,094 |
| 14 | Peoria | $1,093 |
| 15 | Surprise | $1,090 |
| 16 | Catalina Foothills | $1,082 |
| 17 | Casa Grande | $1,057 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
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Rates are estimated as the specific zip code location can alter auto insurance rates noticeably.
Price comparison of only insuring for liability
Saving on insurance is the goal of most drivers, and an easy way to pay less for insurance for police officers is to only buy liability coverage. The example below illustrates the comparison of insurance costs with full physical damage coverage and with liability coverage only. Data assumes no violations or claims, $1,000 deductibles, single status, and no discounts are taken into consideration.
If averaged out across all ages, comp and collision coverage costs an additional $1,263 per year more than just insuring for liability. That amount may make you wonder when is the right time to remove full coverage. There is no set guideline that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s book value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,500 after paying your deductible. If premiums are more than $350 a year for full coverage, the it may be a good time to stop paying for full coverage.
Safe drivers pay less for insurance
The common sense way to find good insurance prices in Mesa for law enforcement personnel is to drive safely and not have accidents or get tickets. The chart below shows how speeding tickets and at-fault claims can affect insurance premiums for each different age category. Data assumes a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of auto insurance in Mesa per year with no accidents or violations is $1,605. Get written up for two speeding tickets and the average cost hikes up to $2,138, an increase of $533 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for police officers increases to an average of $4,376. That’s an increase of $2,771, or $231 per month, just for not driving attentively!
Here’s why you should shop around
Mesa insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply having a birthday, buying a new vehicle, or getting a couple of tickets may cause policy rate changes that may make certain companies more affordable than before.
In addition, companies modify rates as often as every quarter to adjust for heavy claims or excess profits. Heavy losses can cause increased rates, while lower claim levels can cause cheaper Mesa car insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no accidents, a clean driving record, and great credit. If we estimate prices based on his current rating profile, The Hartford may offer the lowest car insurance rates in Mesa at $1,126 a year. This is $302 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also included in the best Mesa, AZ auto insurance companies.
The next chart shows rates after we give the driver in the first example a claim surcharge, a little lower credit rating, and a speeding ticket. Because each company has a proprietary method for establishing rates, analyzing rate quotes most likely will result in a slightly different list of the cheapest Mesa car insurance companies as shown below.
GEICO now has the best price on car insurance in Mesa with CSAA, Allied, Ameriprise Group, and Farm Bureau Mutual also having competitive pricing. This example proves why consumers need to compare lots of rates when trying to get the most budget-friendly insurance rates for police officers.
Auto insurance prices are determined by many things and can increase or decrease at any time, so the cheapest rate six months ago may now be wasting a lot of money.
How to find more affordable car insurance for police officers
The list below summarizes many thrifty solutions that can help you find cheaper car insurance.
- Full coverage is expensive so only insure older vehicles for liability only
- Higher comprehensive and collision coverage deductibles will save money
- Claim-free policyholders usually earn a discount
- Prevent rate increases by staying accident-free
- Do not get traffic tickets
- Ensure you have the best deal by shopping around regularly
The last tip in the list is certainly vital, as we discussed in this write-up. Auto insurance prices in Mesa change frequently, so don’t hesitate to switch to a new company if you find a cheaper price. Being loyal to a particular company is commendable, but it’s not a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. In less than five minutes you could compare prices to find cheaper car insurance for police officers.