It’s easy to assume that car insurance companies don’t want you to compare rates. People who do rate comparisons are highly likely to switch to a new company because they stand a good chance of finding more affordable rates. A recent study showed that drivers who compared rate quotes regularly saved as much as $865 a year compared to other drivers who never shopped around for lower prices.
If finding the lowest price on car insurance in Mesa is your goal, then learning about how to compare insurance rates can help you succeed in saving money.
If you want to find the absolute lowest rates, then the best way to get more affordable Chevy Malibu insurance is to compare quotes annually from companies who sell insurance in Mesa. You can compare prices by following these guidelines.
Step 1: Gain an understanding of how car insurance works and the modifications you can make to prevent rate increases. Many rating criteria that are responsible for high rates such as at-fault accidents, speeding tickets, and bad credit can be improved by being financially responsible and driving safely.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies. Compare rates now
Step 3: Compare the new rate quotes to your existing rates and see if you can save money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Tell your current company of your intention to cancel the current policy and submit a completed application and payment to your new insurance company. As soon as coverage is bound, place the new proof of insurance paperwork along with the vehicle’s registration papers.
One thing to point out is to try to compare similar coverage information on each quote request and and to get prices from as many different companies as possible. This enables the most accurate price comparison and maximum price selection.
Obtaining price quotes for affordable policy in Mesa is actually quite simple. Just about every car owner who has to purchase car insurance will most likely get better rates. Although Arizona car owners need to learn how the larger insurance companies calculate your car insurance rates and use it to your advantage.
Companies offering Chevy Malibu insurance in Mesa
The following companies are ready to provide price comparisons in Arizona. If multiple companies are listed, it’s highly recommended you visit several of them to get the best price comparison.
Auto insurance statistics and figures
The rate table shown next outlines different insurance rates for Chevy Malibu models. Having a better understanding of how car insurance prices are figured is important to be able to make decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Mesa which can lower or raise prices greatly.
Poor driving habits will raise your auto insurance rates
The illustration below shows how traffic citations and at-fault claims can affect Chevy Malibu insurance costs for different insured age categories. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Auto insurance rates based on gender
The information below visualizes the comparison of Chevy Malibu car insurance costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Comparison of full coverage and liability-only policies
The example below visualizes the comparison of Chevy Malibu yearly insurance costs when comparing full coverage to state minimum liability only. Data assumes no violations or claims, $100 deductibles, single status, and no discounts are applied.
When to stop buying comprehensive and collision coverage
There is no definitive guideline that is best for determining when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your Chevy Malibu book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying the physical damage deductible. If premium cost is more than $500 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Lower-cost Mesa auto insurance rates with discounts
Auto insurance is expensive, but you might find some hidden discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be specifically requested before you get the savings.
- Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
- College Student – Youth drivers who are enrolled in a college that is more than 100 miles from Mesa and don’t have a car can receive lower rates.
- Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
- Payment Method – By paying your entire bill at once instead of paying each month you can actually save on your bill.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
We need to note that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
The diagram below shows the comparison of Chevy Malibu auto insurance rates with and without some available policy discounts. The data is based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.
Popular auto insurance companies and some of the discounts are:
- State Farm may include discounts for good student, multiple autos, Steer Clear safe driver discount, anti-theft, safe vehicle, and multiple policy.
- American Family offers discounts including good student, mySafetyValet, air bags, early bird, multi-vehicle, Steer into Savings, and bundled insurance.
- GEICO has savings for military active duty, daytime running lights, multi-vehicle, seat belt use, driver training, and federal employee.
- 21st Century may have discounts that include theft prevention, student driver, 55 and older, automatic seat belts, defensive driver, driver training, and good student.
- Progressive may offer discounts for multi-vehicle, homeowner, good student, online quote discount, and online signing.
If you want affordable Chevrolet Malibu insurance quotes, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply everywhere.
Local agents and car insurance
Some people would rather get professional advice from a licensed agent and that is a personal choice. An additional benefit of getting online price quotes is that you can find lower rates and still have a local agent. And supporting local agents is definitely important in Mesa.
By using this form (opens in new window), the quote information is immediately sent to participating agents in Mesa that can provide free Mesa car insurance quotes for your business. You won’t need to visit any agencies since price quotes are sent to you directly. It’s the lowest rates and a licensed agent to work with. If for some reason you want to get a comparison quote from a specific company, feel free to visit that company’s website and complete a quote there.
Is an exclusive or independent auto insurance agent right for you?
If you want to use a good Mesa insurance agent, you must know there are a couple types of insurance agents to choose from. Car insurance agencies can be categorized as either exclusive or independent.
Independent Insurance Agents
Agents of this type are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, we recommend you compare prices from independent agents in order to compare the most rates.
The following is a list of independent agencies in Mesa that may be able to give you free price quotes.
The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map
Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map
These type of agents write business for a single company like American Family, State Farm, and AAA. They are unable to place coverage with different providers so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps offset the inability to provide other markets.
Listed below are exclusive insurance agents in Mesa willing to provide price quotes.
Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map
American Family Insurance – Angela Williams Agency, Mesa, AZ
9221 E Baseline Rd Ste A106 – Mesa, AZ 85209 – (480) 354-6300 – View Map
Allstate Insurance: John Lawlor
4710 E Falcon Dr Ste 111 – Mesa, AZ 85215 – (480) 807-0675 – View Map
Finding the right car insurance agent is decision based upon more than just the bottom line cost. The answers to these questions are important, too.
- How long has their agency been open in Mesa?
- Is the quote a firm price?
- What companies can they write with?
- What insurance companies do they recommend if they are an independent agent?
- Do they review policy coverages at every renewal?
- Is the agency active in community causes in Mesa?
- Is every driver in your family covered?
- Will a damage claim use OEM or aftermarket replacement parts?
Coverages available on your insurance policy
Having a good grasp of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Malibu.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/10 in Arizona), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses for chiropractic care, doctor visits, dental work, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability insurance – This coverage will cover injuries or damage you cause to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/10 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims such as medical expenses, bail bonds, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying more liability than the minimum.
The illustration below demonstrates why buying minimum limits may not be enough.
Collision coverage – This coverage covers damage to your Malibu resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible on your Malibu to get cheaper collision coverage.
Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, falling objects, rock chips in glass, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Some insurance companies do not offer online rate quotes and usually these smaller providers work with local independent agencies. Affordable Chevy Malibu insurance in Mesa is possible from both online companies as well as from insurance agents, and you should compare rates from both to get a complete price analysis.
You just read many tips how you can get a better price on Chevy Malibu insurance in Mesa. The key thing to remember is the more you quote Mesa car insurance, the better likelihood of getting affordable Mesa car insurance quotes. You may even discover the best rates are with a small mutual company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.
For more information, take a look at these articles:
- Airbag FAQ (iihs.org)
- Who Has Cheap Auto Insurance Rates for Police Officers in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Explorer in Mesa? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Vehicle Insurance (Wikipedia)