If saving the most money is your goal, then the best way to get discount Ford C-Max Hybrid insurance is to compare quotes once a year from companies who sell auto insurance in Mesa.
First, take a few minutes and learn about auto insurance and the measures you can take to keep rates in check. Many risk factors that result in higher prices like multiple speeding tickets and an imperfect credit history can be eliminated by making small lifestyle or driving habit changes. Continue reading for the details to help reduce prices and find hidden discounts.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate, make sure there is no coverage gap between policies.
Fourth, notify your agent or company to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application to your new company or agent. Make sure you store the certificate of insurance in a readily accessible location in your vehicle.
An essential thing to point out is to use the same liability limits and deductibles on every quote and and to look at as many companies as you can. Doing this enables an apples-to-apples comparison and the best rate selection.
It goes without saying that insurance companies don’t want their policyholders to compare prices. Insureds who compare other prices are inclined to buy a different policy because the odds are good of finding good coverage at a lower price. A recent insurance study revealed that drivers who shopped around saved an average of $860 a year compared to drivers who never shopped around.
If finding the best rates on insurance is your ultimate objective, then having an understanding of how to get rate quotes and compare coverage rates can make shopping around easier.
Cheapest companies for Ford C-Max Hybrid insurance
The companies shown below are our best choices to provide price comparisons in Arizona. If you want to find the best auto insurance in Arizona, we suggest you visit several of them to get a more complete price comparison.
Auto insurance discounts help lower rates for Ford C-Max Hybrid insurance in Mesa
Some companies don’t necessarily list all possible discounts very well, so the list below gives a summary of some of the best known as well as some of the hidden credits available to lower your premiums when you buy Mesa car insurance online.
- Resident Student – College-age children who live away from home at college and do not take a car to college could get you a discount.
- Discounts for Multiple Vehicles – Drivers who insure several vehicles on one policy could earn a price break for each car.
- Mature Driver Discount – Older drivers are able to get reduced rates.
- Driving Data Discount – Policyholders that allow their insurance company to look at driving habits by using a telematics device such as Progressive’s Snapshot could save a few bucks if they have good driving habits.
- Good Student Discount – Excelling in school can save 20 to 25%. This discount can apply well after school through age 25.
- Defensive Driving Course – Taking a course that instructs on driving safety could cut 5% off your bill if you qualify.
As a footnote on discounts, some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.
Companies that have some of the above discounts possibly include:
- State Farm
- Liberty Mutual
- American Family
- Farmers Insurance
- Auto-Owners Insurance
Before you buy a policy, ask each insurance company how you can save money. All car insurance discounts may not apply to policies in every state. To see insurers that offer discounts in Mesa, click here to view.
How to know if you need help
Always remember that when buying the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your insurance should unique, too. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.
- Is business equipment covered while in my vehicle?
- Does insurance cover damages from a DUI accident?
- What can I do if my company won’t pay a claim?
- How high should deductibles be on a Ford C-Max Hybrid?
- Am I covered while delivering pizza?
- Should I sign the liability waiver when renting a car?
- Do I need roadside assistance coverage?
- What is the minimum liability in Arizona?
- Do I need rental car coverage?
- Can I afford to pay high deductible claims out of pocket?
If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Do I need an insurance agency?
Certain consumers would prefer to talk to an insurance agent and often times that is recommended The best thing about comparing insurance prices online is the fact that you can find cheap car insurance quotes and still have an agent to talk to.
Once you complete this quick form, the coverage information is transmitted to local insurance agents in Mesa who can give free rate quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered straight to your inbox. You can get cheaper car insurance rates AND a local agent. If you wish to compare prices for a specific company, just search and find their rate quote page to submit a rate quote request.
Picking the best insurance company should include more criteria than just a cheap price. A good agent in Mesa will have answers to these questions.
- Are they paid to recommend certain coverages?
- Are they able to influence company decisions when a claim is filed?
- Is there a 24/7 contact number?
- How much can you save by raising your physical damage deductibles?
- What kind of financial rating does the company have?
- Is the quote a firm price?
- Can glass repairs be made at your home?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
If you prefer to buy car insurance from a good Mesa insurance agent, it helps to know the two different types of agencies and how they differ in how they quote coverages. Agents can either be exclusive agents or independent agents.
Exclusive agents can only quote rates from one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare other company’s rates so you might not find the best rates. They are well trained in insurance sales and that allows them to sell at a higher price point.
The following is a list of exclusive insurance agents in Mesa that are able to give comparison quotes.
Jenn Attar – State Farm Insurance Agent
1660 S Alma School Rd #218 – Mesa, AZ 85210 – (480) 345-4206 – View Map
Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820 – View Map
Manuel Ramirez – State Farm Insurance Agent
911 N Country Club Dr – Mesa, AZ 85201 – (480) 964-7777 – View Map
Independent Car Insurance Agencies
Agents that elect to be independent are not limited to a single company so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. If prices rise, they simply move your policy to a different company and you stay with the same agent.
When shopping rates, you should always get rate quotes from a few independent agents to have the best price comparison.
Listed below are Mesa independent insurance agents that can give you rate quotes.
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 – View Map
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map
If you get positive responses to these questions and cheap C-Max Hybrid insurance quotes, it’s a good possibility that you have found an insurance agent that can properly insure your vehicles. It’s important to know that once you purchase a policy you can cancel your policy at any point so don’t feel you are locked into any particular company for a certain time period.
Ratings for Arizona auto insurance companies
Finding a highly-rated car insurance provider is difficult considering how many different companies insure vehicles in Mesa. The ranking information displayed below could help you decide which car insurance companies to look at when shopping your coverage around.
Top 10 Mesa Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Mesa Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Insurance policy specifics
Having a good grasp of insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.
Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a bird, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability car insurance – This can cover injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/10 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for things such as pain and suffering, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing higher limits.
The chart below shows why low liability limits may not be high enough to adequately cover claims.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, dental work, doctor visits, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Collision – Collision coverage will pay to fix damage to your C-Max Hybrid from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as backing into a parked car, crashing into a ditch, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your C-Max Hybrid to get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford C-Max Hybrid.
Since many Arizona drivers carry very low liability coverage limits (15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
One last thing about your coverage
We just presented some good ideas how you can compare Ford C-Max Hybrid insurance rates in Mesa. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.
Cheap Ford C-Max Hybrid insurance in Mesa is available from both online companies and also from your neighborhood Mesa agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide internet price quotes and usually these regional insurance providers prefer to sell through independent insurance agencies.
To read more, take a look at the resources below:
- Red Light Cameras (State Farm)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Auto Insurance Basics (Insurance Information Institute)
- Older Drivers FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)