Unimaginable but true, most auto insurance policyholders renewed their policy with the same company for at least the last four years, and roughly 40% of drivers have never compared auto insurance rates at all. Many consumers in Mesa could cut their rates by $730 a year by just shopping around, but most just don’t grasp how much savings they would realize if they switched to a more affordable policy.
To save the most money, the best way to get the cheapest Lexus CT 200h insurance is to compare quotes annually from companies who provide auto insurance in Mesa. You can shop around by completing these steps.
- Try to learn a little about policy coverages and the changes you can make to prevent rate increases. Many things that result in higher prices such as traffic citations and a negative credit rating can be controlled by making minor driving habit or lifestyle changes.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while agents who are independent can provide rate quotes from many different companies. Click to view companies
- Compare the price quotes to the price on your current policy to see if a cheaper price is available. If you find better rates, make sure there is no lapse in coverage.
- Provide notification to your current agent or company of your intent to cancel your existing policy. Submit payment and a completed application to the new company. As soon as you have the new policy, place your new certificate verifying coverage along with your vehicle registration.
A good tip to remember is to use the same liability limits and deductibles on each price quote and and to compare as many different insurance providers as possible. Doing this ensures a level playing field and a complete price analysis.
Locating the best rates in Mesa is actually quite simple. Essentially everyone who is overpaying for car insurance will more than likely buy a cheaper policy. Nevertheless, Arizona car owners do need to understand how big insurance companies set your policy premium and take advantage of how the system works.
Get cheap Lexus CT 200h insurance in Mesa with discounts
The price of auto insurance can be rather high, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time you complete a quote, but a few must be specifically requested before you will receive the discount.
- Senior Citizen Discount – If you qualify as a senior citizen, you could receive better car insurance rates.
- Discount for Multiple Policies – If you can combine your home and auto policy and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in school or through a local driver safety program.
- No Accidents – Claim-free drivers pay less as opposed to bad drivers.
- Early Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
- Early Signing – A few car insurance companies give discounts for switching policies before your current CT 200h insurance policy expires. This can save 10% or more.
- Use Seat Belts – Requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.
As a sidenote, many deductions do not apply to the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.
The best car insurance companies and their offered discounts are detailed below.
- Esurance may offer discounts for claim free, good driver, good student, Switch & Save, emergency road assistance, and homeowner.
- The Hartford may have discounts that include good student, vehicle fuel type, driver training, defensive driver, and bundle.
- AAA policyholders can earn discounts including multi-car, good driver, AAA membership discount, education and occupation, and anti-theft.
- GEICO offers discounts including emergency military deployment, defensive driver, multi-policy, good student, and seat belt use.
- State Farm has discounts for passive restraint, student away at school, multiple policy, driver’s education, safe vehicle, accident-free, and good student.
If you want the cheapest Lexus CT 200h rate quotes, ask each company the best way to save money. All car insurance discounts might not be available to policyholders in every state. To see a list of car insurance companies with discount rates in Arizona, click this link.
To find affordable Lexus CT 200h insurance quotes, there are several ways of comparing price quotes from many insurance companies in Arizona. The best method to compare insurance prices is simply to get online rate quotes. When comparison shopping, making a lot of price comparisons provides better odds of finding better pricing. Not every company provides online rate quotes, so it’s important to also get quotes from them as well.
The providers in the list below provide free rate quotes in Mesa, AZ. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.
Good Decisions Result in Lower Insurance Rates
Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are less obvious such as your credit history and annual miles driven. The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating your car insurance rates. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower rates.
Accidents increase costs – Being a careful driver impacts premiums far more than you think. Attentive drivers have lower premiums as compared to those with violations. Only having one citation can boost insurance rates by as much as thirty percent. People who have license-revoking tickets like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with the DMV in their state in order to continue driving.
Prices are affected by your address – Being located in less populated areas of the country can be a good thing when trying to find low car insurance rates. Fewer drivers means less chance of accidents as well as less vandalism and auto theft. People who live in big cities tend to have much more traffic and longer commute times. More time commuting means higher likelihood of an accident.
Save money with higher coverage deductibles – Physical damage insurance, aka comp and collision, helps pay for damage to your vehicle. A few examples of covered claims are a dented fender, hail damage, and burglary. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more the insured has to pay upfront, the lower your rates will be.
Youthful vs. older drivers – Older insureds have been proven to be more responsible, file fewer claims, and are safer drivers. Inexperience drivers are statistically shown to be inattentive and easily distracted in a vehicle so car insurance rates are higher.
Alarm systems save money – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
Insurance loss data for a Lexus CT 200h – Companies factor in historical loss data when they set coverage costs for each model. Vehicles that the data shows to have increased claim numbers or amounts will be charged more to insure.
The table below outlines the compiled insurance loss statistics for Lexus CT 200h vehicles. For each coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is set at 100. Numbers shown that are under 100 indicate better than average losses, while numbers shown that are more than 100 point to more losses or an increased probability of a larger loss.
| Specific Lexus Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Lexus CT 200h Hybrid 4dr | 128 | 92 | 140 | 97 | 114 | 96 |
Statistics from IIHS.org for 2013-2015 Model Years
Compare prices but work with a neighborhood Mesa auto insurance agent
Some people would prefer to visit with an insurance agent and that is recommended in a lot of cases A good thing about comparing rate quotes online is the fact that drivers can get lower car insurance rates and also buy local.
By using this quick form, your information is immediately sent to local insurance agents who can give free rate quotes to get your business. You won’t even need to find an agent on your own because prices are sent to you instantly. You can find the lowest rates without a big time investment. If you want to compare rates from a specific insurance provider, you just need to find their quoting web page and complete a quote there.
Choosing the best company should include more criteria than just a cheap price. Any agent in Mesa should be willing to answer these questions.
- Are aftermarket or OEM parts used to repair vehicles?
- Are they in the agency full-time?
- Where would your vehicle be repaired?
- How many years have they been established?
- Can you choose the body shop in case repairs are needed?
- Can they give you a list of client referrals?
- Will they make sure you get an adequate claim settlement?
Choose an insurance agent wisely
If you are wanting to find a good Mesa insurance agent, you should know the different agency structures and how they are slightly different. Insurance agencies can be classified as either independent agents or exclusive agents.
Exclusive Agents
These type of agents can only write with one company and some examples include Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so keep that in mind. Exclusive insurance agents are well trained on their company’s products which can be an advantage. Consumers sometimes buy insurance from these agents mostly because of the brand instead of buying on price only.
The following is a list of exclusive insurance agents in Mesa that can give you rate quotes.
- Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033 – View Map - Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map - Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map
Independent Insurance Agents
These type of agents are not restricted to one company and that is an advantage because they can write policies with many different companies and get you the best rates possible. If prices rise, they simply move the coverage in-house and you stay with the same agent.
If you need cheaper insurance rates, we recommend you get insurance quotes from several independent insurance agents to ensure the widest selection of prices. Many write coverage with different regional companies that many times have cheaper rates.
Below are independent agencies in Mesa willing to provide price quote information.
- Jayson Hoffer Insurance Agency
1930 South Alma School Road A101 – Mesa, AZ 85210 – (480) 948-6115 – View Map - Wilson Insurance
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400 – View Map - Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 – View Map
After getting good answers to these questions as well as an affordable premium quote, most likely you have located an insurance agent that can be trusted to properly insure your vehicles. It’s important to know that policyholders can cancel your policy whenever you choose to so don’t feel that you are permanently stuck with any specific company indefinitely.
Choosing CT 200h insurance is an important decision
Despite the potentially high cost of Lexus CT 200h insurance, insuring your vehicle is not optional due to several reasons.
First, just about all states have mandatory insurance requirements which means the state requires specific limits of liability protection in order to license the vehicle. 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.
Second, if you took out a loan on your car, almost every bank will require you to carry insurance to guarantee their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Lexus at a much higher premium rate and force you to pay for it.
Third, insurance protects both your assets and your vehicle. It also can pay for all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying insurance are definitely more than the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $820 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.
Compare but don’t skimp
Budget-friendly insurance in Mesa is possible online as well as from insurance agents, so you need to quote Mesa car insurance with both to get a complete price analysis. Some insurance providers may not have internet price quotes and usually these regional insurance providers sell through independent insurance agents.
People who switch companies do it for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.
We just presented many tips how you can save on Lexus CT 200h insurance in Mesa. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive Mesa car insurance quotes. Consumers could even find that the most savings is with the least-expected company.
More resources
- Understanding your Policy (NAIC.org)
- How Much are Mesa Car Insurance Quotes for Teachers? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Information for Teen Drivers (GEICO)
- Choosing an Insurance Company (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)