Searching for cheaper insurance for a Chevy Spark EV in Arizona could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Chevy and obtain the lowest price from both online companies and Mesa agents.
It’s well known that auto insurance companies don’t want their customers to go rate shopping. Consumers who get price comparisons are inclined to switch companies because there is a great chance of finding a policy with more affordable rates. A recent survey discovered that consumers who compared rates regularly saved on average $3,400 over four years compared to drivers who didn’t regularly shop around.
If finding low prices for Chevy Spark EV insurance in Mesa is why you’re here, then learning about the best way to compare insurance rates can save money and time.
You should take the time to get comparison quotes at least once a year because auto insurance prices trend upward over time. If you had the best deal on Chevy Spark EV insurance in Mesa a few years ago you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.
Shop Chevy Spark EV insurance online
Getting low cost Chevy Spark EV insurance pricing is a great way to save money. All you need to do is take a few minutes to get quotes to find out which insurance company has cheaper Mesa auto insurance quotes.
The companies in the list below are ready to provide free rate quotes in Mesa, AZ. If you wish to find cheap auto insurance in Mesa, we suggest you click on several of them to find the most competitive car insurance rates.
Why you need insurance
Even though it can be expensive, insurance may not be optional for several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability in order to be legal. 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 took out a loan on your vehicle, more than likely the lender will require that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may buy a policy for your Chevy at an extremely high rate and force you to reimburse them for it.
- Insurance protects your vehicle and your assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. Unknowingly, the average driver is currently overpaying as much as $820 a year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.
Auto insurance discounts are available to get cheap rates
Some companies do not advertise the complete list of policy discounts very clearly, so the following is a list of both the well known and also the lesser-known credits that you can use to lower your rates. If you’re not getting every credit you qualify for, you are not getting the best rate possible.
- No Claim Discounts – Drivers with accident-free driving histories can save substantially when compared to insureds who have frequent claims or accidents.
- Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts may earn rate discounts of 25 to 30%.
- Safety Course Discount – Taking time to complete a course in driver safety could earn you a small percentage discount if your company offers it.
- E-sign Discounts – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
- Bundled Policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you may save at least 10 to 15 percent or more.
A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, that’s just not realistic.
The best auto insurance companies and some of their more popular discounts can be found below.
- State Farm has discounts for driver’s education, defensive driving training, good driver, passive restraint, Steer Clear safe driver discount, Drive Safe & Save, and safe vehicle.
- GEICO offers premium reductions for air bags, driver training, multi-vehicle, emergency military deployment, and good student.
- Allstate discounts include farm vehicle, senior citizen, anti-theft, anti-lock brakes, and good student.
- SAFECO includes discounts for teen safe driver, bundle discounts, drive less, homeowner, anti-lock brakes, and multi-car.
- Farm Bureau policyholders can earn discounts including driver training, youthful driver, safe driver, good student, and 55 and retired.
- Progressive offers discounts for online quote discount, multi-policy, homeowner, continuous coverage, good student, and online signing.
- AAA has savings for AAA membership discount, pay-in-full, good student, multi-policy, education and occupation, and anti-theft.
When getting free Mesa auto insurance quotes, it’s a good idea to each company or agent to give you their best rates. All car insurance discounts might not be offered in Mesa.
Special considerations
When choosing coverage online or from an agent for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Each situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.
- Is my Chevy Spark EV covered for smoke damage?
- Are all vehicle passengers covered by medical payments coverage?
- What can I do if my company won’t pay a claim?
- Does low annual mileage earn a discount?
- Can I rent a car in Mexico?
- Do I need PIP coverage since I have good health insurance?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Which auto insurance company is best in Mesa?
Picking the top auto insurance provider can be difficult considering how many choices there are in Mesa. The company ratings shown next could help you select which car insurance companies to look at purchasing a policy from.
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance