Locating cheaper insurance for a Suzuki XL-7 in Arizona can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages for a new or used Suzuki and obtain the lowest price.
You need to check insurance prices periodically because insurance prices go up and down regularly. Even if you got the lowest price on Suzuki XL-7 insurance in Mesa a few years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the quickest ways to find the best coverage while lowering your premiums.
Affordable companies for Suzuki XL-7 insurance
The following companies can provide free rate quotes in Mesa, AZ. If you want to find the best auto insurance in Arizona, we suggest you compare several of them to find the lowest auto insurance rates.
Choices You Make Can Impact Your Insurance Premiums
Many things are part of the equation when premium rates are determined. Some are obvious such as traffic violations, but other criteria are less apparent such as whether you are married or how safe your car is.
The list below includes just a few of the factors used by companies to determine your rate level.
Marriage reduces risk – Being married can actually save you money when shopping for car insurance. Marriage is viewed as being more financially stable and it’s proven that married couples file fewer claims.
Your stress level may be raising your premiums – Did you know your occupation can influence how much you pay for car insurance? Occupational choices like military generals, executives, and miners usually pay higher premium rates attributed to intense work situations and lots of time spent at work. On the flip side, professions such as scientists, athletes and the unemployed pay the least.
Uninterrupted coverage lowers car insurance rates – Having an insurance coverage lapse is a sure-fire way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
Urban residents pay more – Choosing to live in a small town is a good thing if you are looking for the lowest rates. People in densely populated areas tend to have traffic congestion and much longer commute distances. Fewer drivers on the road means less chance of accidents.
High performance vehicles cost more to insure – The performance level of the car you drive makes a significant difference in determining your rates. The most favorable rates will generally be found on lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.
Prevent theft and save – Driving a car with a theft deterrent system can help lower your premiums. Systems that thwart thieves such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft and help bring rates down.
Save a ton on Suzuki XL-7 insurance in Mesa with these insurance discounts
Insurance is not an enjoyable expense, but you can get discounts to help bring down the price. Certain credits will be shown at the time you complete a quote, but less common discounts must be asked about prior to receiving the credit.
- Multi-car Discount – Buying insurance for multiple vehicles with the same insurance company may reduce the rate for each vehicle.
- Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
- Government Employees – Active or former government employment could cut as much as 10% off with some insurance companies.
- Driver Safety – Taking part in a class that teaches driver safety techniques could earn you a small percentage discount and make you a better driver.
- Theft Prevention Discount – Cars with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
- Professional Memberships – Belonging to a professional or civic organization could trigger savings when shopping for insurance.
- Discount for Swiching Early – Select companies give a discount for signing up early. This discount can save up to 10%.
- Discount for Low Mileage – Driving fewer miles could qualify for slightly better rates than normal.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.
A few of the larger companies and a summarized list of policyholder discounts can be found below.
- Progressive offers discounts including multi-vehicle, online quote discount, continuous coverage, multi-policy, homeowner, and online signing.
- AAA may offer discounts for multi-policy, education and occupation, pay-in-full, anti-theft, and good driver.
- Farmers Insurance offers discounts for bundle discounts, good student, homeowner, teen driver, and switch companies.
- GEICO may include discounts for membership and employees, air bags, multi-policy, anti-theft, and multi-vehicle.
- Esurance includes discounts for emergency road assistance, defensive driver, good driver, paid-in-full, and anti-theft.
- SAFECO may have discounts that include safe driver, teen safety rewards, bundle discounts, homeowner, and teen safe driver.
- State Farm has discounts for Drive Safe & Save, driver’s education, defensive driving training, multiple policy, good student, and anti-theft.
If you are trying to find affordable Mesa car insurance quotes, ask every insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be available in your state. To choose insurance companies that provide some of the discounts listed above in Arizona, click here to view.
Buying car insurance from Mesa insurance agencies
Many people prefer to go talk to an agent and often times that is recommended Professional insurance agents are trained risk managers and help in the event of a claim. A good thing about getting online price quotes is you may find lower rates and still have a local agent.
By using this quick form, the quote information is immediately sent to local insurance agents that give free quotes to get your business. It makes it easy because there is no need to leave your computer because prices are sent straight to your inbox. If for some reason you want to compare rates from one company in particular, you can always find their quoting web page to submit a rate quote request.
Picking the best insurer should include more criteria than just a cheap price quote. Any good agent in Mesa should know the answers to these questions.
- How are they compensated?
- Will one accident increase rates?
- How does the company pay claims for a total loss?
- Which companies do they recommend if they are an independent agency?
- Will a damage claim use OEM or aftermarket replacement parts?
When looking for a reputable agency, it’s important to understand the different types of agents and how they differ in how they can insure your vehicles. Agents in Mesa are classified as either exclusive or independent. Either type can provide car insurance policies, but it’s worth learning the difference between them because it can impact buying decisions.
Exclusive Car Insurance Agencies
Exclusive insurance agents work for only one company and examples are State Farm, AAA, and Liberty Mutual. They generally cannot provide other company’s prices so always compare other rates. Exclusive insurance agents are highly trained on the products they sell and that enables them to sell even at higher rates. Some insured continue to use the same agent primarily because of the prominent brand name rather than low rates.
Below is a short list of exclusive agencies in Mesa who may provide you with rate quotes.
- Aaron McDermid – State Farm Insurance Agent
10720 E Southern Ave #105 – Mesa, AZ 85209 – (480) 984-3311 – View Map - Allstate Insurance: Wayne Smith
1901 E University Dr Ste 301 – Mesa, AZ 85203 – (480) 464-8766 – View Map - Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map
Independent Car Insurance Agencies
Independent agents are not employed by one company and that is an advantage because they can write policies with lots of companies and find the cheapest rate. To transfer your coverage to a different company, your policy is moved internally and you stay with the same agent. When shopping rates, we highly recommend that you compare prices from at least one independent agent to have the most options to choose from. They often place coverage with small mutual carriers which can be an advantage.
Below are independent insurance agencies in Mesa willing to provide rate quotes.
- Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 – View Map - Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map - Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map
Once you have received satisfactory answers to all your questions as well as a affordable price, you may have just found an auto insurance agent that can provide car insurance coverage. Just be aware that you are entitled to cancel coverage at any point so don’t think that you are obligated to any specific agency with no way out.
Mesa auto insurance company ratings
Buying coverage from a high-quality auto insurance provider can be challenging considering how many choices you have in Mesa. The company information in the next section may help you pick which insurers to look at purchasing coverage 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 Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Keep this in mind when shopping around
We covered a lot of ways to find cheaper Suzuki XL-7 insurance in Mesa. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.
Drivers who switch companies do it for a variety of reasons including questionable increases in premium, lack of trust in their agent, high rates after DUI convictions or even policy cancellation. Regardless of your reason for switching companies, switching car insurance companies is not as difficult as it may seem.
The cheapest Suzuki XL-7 insurance in Mesa is definitely available from both online companies and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer price quotes online and most of the time these small insurance companies work with local independent agents.
How to find cheaper quotes for Suzuki XL-7 insurance in Mesa
If your goal is the lowest price, then the best way to get more affordable auto insurance rates in Mesa is to start comparing prices yearly from companies who provide car insurance in Arizona. Rates can be compared by following these steps.
- Step 1: Spend some time learning about what is in your policy and the things you can change to prevent expensive coverage. Many rating criteria that result in higher rates like distracted driving and poor credit history can be improved by making minor changes to your lifestyle.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can quote rates for many different companies.
- Step 3: Compare the quotes to your current policy to determine if you can save on XL-7 insurance. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
An important note is to use identical coverages on every price quote and and to get rate quotes from as many auto insurance providers as possible. This ensures a fair rate comparison and the best rate selection.
For more information, feel free to browse these articles:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How Much are Mesa Car Insurance Quotes for Nurses? (FAQ)
- Who Has Cheap Mesa Car Insurance for a Honda CR-V? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- State Laws for Cellphones and Texting (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Safety Features for Your New Car (State Farm)