A recent NerdWallet.com study revealed that the vast majority of drivers have been with the same company for at least the last four years, and just under half have never shopped around. Mesa consumers could save about $730 a year just by getting comparison quotes, but they don’t believe how much money they would save if they just switched companies.
To save the most money, the best way to find low-cost prices for car insurance rates in Mesa is to compare prices once a year from different companies that insure vehicles in Arizona. This can be done by following these steps.
First, read about how car insurance works and the factors you can control to prevent rate increases. Many things that cause rate increases like traffic citations, accidents, and poor credit history can be improved by making minor changes to your lifestyle.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while agents who are independent can provide price quotes for many different companies.
Third, compare the new quotes to the price on your current policy and see if there is a cheaper rate in Mesa. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
Fourth, give proper notification to your current agent or company of your intention to cancel your existing policy. Submit the application along with any required down payment for your new policy. Once received, safely store the proof of insurance certificate along with your vehicle registration.
The most important part of shopping around is to try to use identical coverages on each price quote and and to analyze all possible companies. Doing this provides a fair price comparison and plenty of rates choose from.
Get lower-cost Honda Pilot insurance in Mesa with discounts
Some insurers don’t list every discount available in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous credits that you can use to lower your rates.
- Driver’s Education for Students – Require your teen driver to successfully take a driver’s education course if offered at their school.
- Senior Citizen Discount – Mature drivers are able to get better auto insurance rates.
- Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
- New Car Discount – Putting coverage on a new Pilot can get you a discount due to better safety requirements for newer vehicles.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
- Early Switch Discount – Some companies reward drivers for switching companies before your current Pilot insurance policy expires. Ten percent is about the average savings.
- Claim Free – Mesa drivers who stay claim-free pay less when compared with accident-prone drivers.
As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, companies don’t profit that way.
The illustration below shows the comparison of Honda Pilot auto insurance rates with and without policy discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, homeowner, marriage, and safe-driver discounts applied.
Insurance companies that have these money-saving discounts include:
If you need cheaper Mesa auto insurance quotes, ask all the companies how you can save money. All car insurance discounts might not apply in your state.
The following companies have been selected to offer quotes in Arizona. If you want cheap auto insurance in Arizona, we recommend you visit two to three different companies to get the best price comparison.
Honda Pilot insurance coverage information
The premium table shown below covers estimates of insurance costs for Honda Pilot models. Having insight into how insurance policy rates are determined can benefit drivers when making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$124||$198||$338||$20||$102||$782||$65|
|Pilot EX 2WD||$138||$198||$338||$20||$102||$796||$66|
|Pilot EX 4WD||$138||$198||$338||$20||$102||$796||$66|
|Pilot EX-L 2WD||$138||$240||$338||$20||$102||$838||$70|
|Pilot EX-L 4WD||$138||$240||$338||$20||$102||$838||$70|
|Pilot Touring 2WD||$138||$240||$338||$20||$102||$838||$70|
|Pilot Touring 4WD||$138||$240||$338||$20||$102||$838||$70|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in your specific Mesa location which can change premiums significantly.
Cost difference between full coverage and liability
The chart below shows the comparison of Honda Pilot annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are applied.
When to drop full coverage
There is no definitive rule to stop buying physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Honda Pilot book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after the deductible is paid. If you are paying more than $600 annually for your policy with full coverage, then you might consider buying liability only.
There are a few situations where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Insurance agencies near you
Certain consumers prefer to get professional advice from a licensed agent and that is a personal choice. Professional insurance agents will help you protect your assets and help file insurance claims. The best thing about comparing rate quotes online is that you can obtain the best rates and still have a local agent. Supporting local agencies is important especially in Mesa.
Once you complete this quick form, the quote information is sent to local insurance agents that provide free Mesa auto insurance quotes for your coverage. It’s much easier because you don’t need to find an agent on your own because prices are sent to you directly. If you wish to compare prices from a specific company, just jump over to their website and complete a quote there.
Insurance agent types
If you want a local agent, there are a couple of types of insurance agents that you can choose from. Agents are either exclusive or independent agents depending on their company appointments. Either type can sell affordable car insurance policies, but it is important to understand the difference in the companies they write for since it can impact the type of agent you choose.
Independent Car Insurance Agencies
Independent agents do not sell for just one brand and that allows them to write policies with an assortment of companies and possibly get better coverage at lower prices. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent. If you are comparing rate quotes, you will want to include several independent agencies in order to have the best price comparison. Most also write with less well-known companies that many times have cheaper rates.
Below is a list of independent insurance agencies in Mesa that may be able to provide price quotes.
- Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418 – View Map
- AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
- Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
Exclusive agents can only quote rates from one company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are well trained on their company’s products which helps them compete with independent agents. Some people will only use the same agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive agents in Mesa that are able to give price quotes.
- Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820 – View Map
- American Family Insurance – Tony Huberty Agency Inc.
1830 S Alma School Rd Ste 126 – Mesa, AZ 85210 – (480) 413-0231 – View Map
- Allstate Insurance: Brent D. Henningson
5540 E Broadway Rd Ste 6 – Mesa, AZ 85206 – (480) 830-0046 – View Map
Picking an insurance agency shouldn’t rely on just the quoted price. Here are some questions to ask:
- Can you contact them at any time?
- Do they reduce claim amounts on high mileage vehicles?
- Does the quote include credit and driving reports?
- Will they take your side in the event of a claim?
- Is there any savings for paying the full premium?
- Will the company cover a rental car if your car is getting fixed?
- Is the agent CPCU or CIC certified?
After talking to the agent and getting good feedback to any questions you have as well as an affordable premium quote, you have narrowed it down to a car insurance agent that meets your needs to properly insure your vehicles. Just remember you are entitled to cancel your coverage whenever you want so never feel that you are obligated to any specific agency for the full policy term.
Information about specific coverages
Understanding the coverages of your auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for collisions
Collision coverage covers damage to your Pilot resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a building, crashing into a ditch, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible on your Pilot to save money on collision insurance.
Comprehensive (Other than Collision)
This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like hitting a bird, hail damage and fire damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability car insurance
This can cover injuries or damage you cause to other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy 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 limit of $10,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as attorney fees, structural damage, pain and suffering, loss of income and court costs. How much coverage you buy is a personal decision, but consider buying as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy better liability coverage.
The illustration below demonstrates why buying the state minimum limits may not be adequate coverage.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for pain medications, funeral costs and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Honda Pilot.
Since many Arizona drivers only purchase the least amount of liability that is required (which is 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liability limits.
Cheaper insurance is out there
Cost effective Honda Pilot insurance can be sourced online as well as from insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide online quoting and usually these smaller companies prefer to sell through independent agents.
People who switch companies do it for many reasons like lack of trust in their agent, denial of a claim, an unsatisfactory settlement offer and even questionable increases in premium. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.
We covered many tips how you can compare Honda Pilot insurance premium rates in Mesa. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Drivers may even discover the lowest premium rates are with a smaller regional carrier.
For more information, feel free to browse these articles:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Kia Optima in Mesa? (FAQ)
- What Car Insurance is Cheapest After a Speeding Ticket in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Low Income Drivers in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Mesa? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)
- Property Damage Coverage (Liberty Mutual)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)