How many times have you told yourself to find the cheapest Chrysler Pacifica insurance in Mesa? Are you kicking yourself for buying an under-performing, overpriced auto insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.
It goes without saying that car insurance companies want to keep you from comparing rates. People who shop around for better prices are likely to move their business because there is a high probability of finding a more affordable policy premium. A recent study showed that people who regularly compared rates saved $3,400 over four years compared to other drivers who never compared prices.
If saving the most money on insurance in Mesa is your target objective, then learning a little about the best way to compare insurance premiums can make it easier to shop your coverage around.
Consumers have so many car insurance companies to pick from, and even though it’s nice to have a choice, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.
Consumers need to quote other rates once or twice a year because insurance rates trend upward over time. If you had the best premium rates on Chrysler Pacifica insurance in Mesa a year ago there may be better deals available now. There is a lot of bad information regarding Pacifica insurance on the internet, but in just a couple of minutes you can learn the best ways to lower your auto insurance premiums.
This article will teach you how insurance works and how you can save the most money. If you are insured now, you should be able to get lower rates using the ideas you’re about to read. Nevertheless, Arizona consumers should learn how insurance companies price insurance differently and use it to your advantage.
Just keep in mind that obtaining a wide range of quotes will enable you to find lower pricing. Not every company allows you to get Mesa Pacifica insurance quotes over the internet, so it’s important to compare price quotes from them as well.
The companies shown below can provide quotes in Arizona. In order to find the best cheap auto insurance in Mesa, we suggest you click on several of them to get the lowest price.
Insuring your vehicle just makes sense
Despite the high insurance cost for a Chrysler Pacifica in Mesa, buying insurance is most likely required but also gives you several important benefits.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection in order to get the vehicle licensed. 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 lien on your vehicle, it’s guaranteed your bank will require you to buy insurance to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Chrysler at a more expensive rate and force you to pay much more than you were paying before.
- Insurance protects your Chrysler and your assets. It will also cover many types of medical costs that are the result of an accident. Liability coverage will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Chrysler as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance are definitely more than the cost, especially for larger claims. But the average driver in Arizona overpays as much as $700 annually so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.
Mesa insurance discounts for a Chrysler Pacifica
Insurance is not inexpensive, but you can get discounts that many people don’t even know exist. A few discounts will be applied at the time you complete a quote, but once in a while a discount must be asked about before they will apply.
- ABS Brakes – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
- Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts as much as 30%.
- Drive Safe and Save – Safe drivers can pay as much as 50% less than drivers with accidents.
- Student Discounts – Excelling in school can save 20 to 25%. This discount can apply up to age 25.
- Theft Deterrent Discount – Vehicles that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Active Military Service – Having an actively deployed family member could trigger a small discount.
- Seat Belt Discounts – Requiring all passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
Keep in mind that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.
Some of the larger companies who might offer many of the previously listed discounts possibly include:
Double check with every company to apply every possible discount. Some of the earlier mentioned discounts might not apply everywhere. To locate insurance companies that can offer you the previously mentioned discounts in Arizona, click here to view.
Local Mesa insurance agents
Some people just prefer to visit with an insurance agent and doing that can be a smart decision One of the benefits of comparing rates online is you can get cheap rate quotes and still buy from a local agent. And supporting small agencies is important particularly in Mesa.
To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to agents in your area that can provide free Mesa auto insurance quotes for your business. You don’t have to drive around as quotes are delivered immediately to you. You’ll get the best rates without a big time investment. If you wish to quote rates from one company in particular, feel free to search and find their rate quote page and complete a quote there.
Pick the best car insurance agent in Mesa for you
If you are searching for a local agent, there are two different types of agencies and how they differ in how they can insure your vehicles. Car insurance policy providers can either be independent or exclusive.
Independent Car Insurance Agencies
These agents do not work for one specific company and that is an advantage because they can write policies with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally and that require little work on your part. If you need lower rates, it’s recommended you get insurance quotes from several independent insurance agents so that you can do a thorough price comparison.
Below are Mesa independent agents that may be able to give you cheap rate quotes.
Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map
ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
Exclusive Agents
Exclusive insurance agents have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. They usually cannot shop your coverage around so you might not find the best rates. Exclusive insurance agents are highly trained on what they offer and that enables them to sell even at higher rates.
The following is a list of exclusive agencies in Mesa who can help you get price quote information.
Farmers Insurance – Kevin Shelton
2651 W Guadalupe Rd #102 – Mesa, AZ 85202 – (480) 718-9498 – View Map
American Family Insurance – Angela Williams Agency, Mesa, AZ
9221 E Baseline Rd Ste A106 – Mesa, AZ 85209 – (480) 354-6300 – View Map
Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209 – View Map
Picking the best insurance agent should depend on more than just the quoted price. Any agent in Mesa should have no problem answering these questions:
- How many years have they been established?
- Are there any discounts for paying up front?
- What insurance company do they write the most business with?
- How are claims handled?
- Is vehicle mileage a factor when determining depreciation for repairs?
If you get acceptable answers to your questions as well as an affordable premium quote, you may have just found an auto insurance agent that is a good match to properly insure your vehicles.
Mesa auto insurance company ratings
Finding a good quality auto insurance company can be a challenge considering how many companies there are in Mesa. The company ratings displayed below may help you choose which insurers to look at when looking for cheaper rates.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You can lower your car insurance rates
As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest cost.
Lower-priced Chrysler Pacifica insurance in Mesa is available from both online companies as well as from independent agents in Mesa, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and these small, regional companies work with local independent agencies.
How to save on Chrysler Pacifica insurance in Mesa
Truthfully, the best way to get discount Chrysler Pacifica insurance is to regularly compare quotes from different companies that sell auto insurance in Mesa. You can compare rates by following these guidelines.
- Spend some time learning about individual coverages and the steps you can take to prevent high rates. Many rating criteria that increase rates such as your driving record and a not-so-good credit rating can be rectified by being financially responsible and driving safely.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from many different companies.
- Compare the new rate quotes to your existing rates to see if cheaper Pacifica coverage is available in Mesa. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
- Notify your current company of your intent to cancel your existing policy and submit a signed application and payment for the new policy. Immediately upon receiving it, place your new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is to try to use the same physical damage deductibles and liability limits on every price quote and and to look at as many carriers as you can. This ensures a level playing field and the best price selection.
Even more information can be read by following these links:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much are Mesa Auto Insurance Rates for 16 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance for High Risk Drivers in Mesa? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Liability Insurance Coverage (Nationwide)
- Parking Tips to Reduce Door Dings (State Farm)
- Frontal Crash Tests (iihs.org)