The preferred way to get the cheapest auto insurance rates in Mesa is to start comparing prices yearly from insurers who sell auto insurance in Arizona. Rate comparisons can be done by following these steps.
- Step 1: Read and learn about car insurance and the things you can control to keep rates in check. Many risk factors that drive up the price like multiple speeding tickets and a poor credit score can be eliminated by making small lifestyle or driving habit changes. Read the full article for more ideas to get better rates and get additional discounts.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple companies.
- Step 3: Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Mesa. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
- Step 4: Notify your company or agent of your decision to cancel your current car insurance policy and submit a down payment and signed policy application to the new company. Once received, place your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
One key aspect when comparing rates is to use similar limits and deductibles on every quote and and to analyze as many car insurance companies as possible. Doing this enables a fair rate comparison and the most accurate and complete price analysis.
It’s well known that car insurance companies don’t want you to compare rates. Consumers who shop around are very likely to switch to a new company because the odds are good of finding a lower rate. Surprisingly, a recent survey revealed that people who shopped around annually saved an average of $865 a year as compared to drivers who never shopped around for cheaper prices.
If finding the lowest price on Toyota Camry insurance is your ultimate target, knowing how to compare insurance can help you be more efficient.
These discounts can slash Toyota Camry insurance rates
Buying car insurance is not cheap, but you might find some hidden discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be specifically requested before they will apply.
- Data Collection Discounts – Insureds that choose to allow their car insurance company to scrutinize their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if their driving habits are good.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- One Accident Forgiven – Not really a discount, but companies like Progressive, State Farm and GEICO permit an accident before raising your premiums so long as you are claim-free before the accident.
- Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Save with More Vehicles Insured – Buying insurance for all your vehicles with the same car insurance company can reduce the rates for all insured vehicles.
Just know that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The diagram below illustrates the comparison of Toyota Camry yearly insurance costs with and without discounts applied. The prices are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.
A few popular companies and the discounts they provide are included below.
- The Hartford offers discounts including vehicle fuel type, bundle, air bag, driver training, and defensive driver.
- American Family may have discounts that include accident-free, good student, bundled insurance, air bags, and TimeAway discount.
- Progressive offers discounts for online signing, homeowner, good student, online quote discount, continuous coverage, and multi-policy.
- Travelers discounts include IntelliDrive, payment discounts, save driver, home ownership, early quote, and continuous insurance.
- Farmers Insurance has savings for business and professional, electronic funds transfer, teen driver, mature driver, distant student, and alternative fuel.
- USAA includes discounts for good student, safe driver, annual mileage, multi-vehicle, vehicle storage, military installation, and new vehicle.
- Liberty Mutual has discounts for multi-policy, new vehicle discount, multi-car, exclusive group savings, and hybrid vehicle.
When comparing rates, check with every company how many discounts you can get. All car insurance discounts might not be offered in Mesa. To choose companies with discount rates in Mesa, follow this link.
The best way to compare rate quotes for Toyota Camry insurance in Mesa is to know the fact most of the bigger providers participate in online systems to compare their rates. The only thing you need to do is give the companies some data like if you have an active license, your credit rating estimate, if it has an alarm system, and the ages of drivers. Your information is sent automatically to all major companies and you should receive rate quotes instantly.
To start a quote now, click here and find out if lower rates are available in Mesa.
The companies shown below offer comparison quotes in Arizona. To buy cheap car insurance in Mesa, AZ, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Coverage information
The premium table displayed below outlines estimates of insurance coverage prices for Toyota Camry models. Having a better understanding of how insurance policy rates are calculated can be useful when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $124 | $240 | $314 | $18 | $94 | $790 | $66 |
| Camry SE | $124 | $284 | $314 | $18 | $94 | $834 | $70 |
| Camry XLE | $124 | $284 | $314 | $18 | $94 | $834 | $70 |
| Camry Hybrid | $138 | $284 | $356 | $22 | $106 | $906 | $76 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in specific location information which can raise or lower coverage rates significantly.
Analysis of deductible levels
One common question asked by Mesa drivers is which comprehensive and collision deductibles to buy. The rates shown below may help you to understand the rate fluctuation between low and high physical damage coverage deductibles. The first price estimate table uses a $100 physical damage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Camry SE | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Camry XLE | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Camry Hybrid | $292 | $548 | $338 | $20 | $102 | $1,325 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camry LE | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Camry SE | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Camry XLE | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Camry Hybrid | $212 | $370 | $338 | $20 | $102 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific Mesa garaging location which can increase or decrease coverage prices noticeably.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $22 more each month or $264 annually than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 18 months between claims, you would save more money by selecting a higher deductible. Here’s an example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Toyota Camry liability-only versus full coverage
The chart below shows the comparison of Toyota Camry annual premium costs with full coverage and liability only. The rates are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no set rule of when to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Toyota Camry claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Are car insurance agents of importance?
A small number of people still like to visit with an insurance agent and that is just fine! One of the benefits of comparing insurance prices online is you can get cheap rate quotes and also buy local.
After completing this form (opens in new window), the quote information is submitted to participating agents in Mesa who will give you bids for your business. You won’t need to find an agent due to the fact that quote results will go immediately to your email address. You can get cheaper insurance rates AND a local agent. If you need to get a comparison quote from one company in particular, just go to their quote page and give them your coverage information.
Picking the best provider should depend on more than just the price. The questions below may impact your decision as well.
- Is there a local claims center in Mesa?
- Can you use your own choice of collision repair facility?
- How long has the business existed?
- Can glass repairs be made at your home?
- How much can you save by raising your physical damage deductibles?
- Is auto insurance their primary focus in Mesa?
- Is the agent and/or agency licensed to do business in Arizona?
- Will they take your side in the event of a claim?
When finding local Mesa agents, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance policy providers can be described as either independent or exclusive.
Exclusive Agents
These agents generally can only insure with one company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive agents receive a lot of sales training in insurance sales which helps them sell on service rather than price.
Below are exclusive agencies in Mesa that are able to give rate quotes.
Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map
American Family Insurance – Tony Huberty Agency Inc.
1830 S Alma School Rd Ste 126 – Mesa, AZ 85210 – (480) 413-0231 – View Map
American Family Insurance – Angela Williams Agency, Mesa, AZ
9221 E Baseline Rd Ste A106 – Mesa, AZ 85209 – (480) 354-6300 – View Map
Independent Insurance Agents
Independent insurance agents often have many company appointments so they can write business with a variety of different insurance companies and potentially find a lower price. If they find a cheaper price, they can switch companies in-house without you having to go to a different agency. If you need lower rates, we highly recommend that you check rates from independent agents to have the best price comparison.
Below are independent insurance agencies in Mesa who can help you get price quote information.
Kohlhase Insurance
6550 E Main St – Mesa, AZ 85205 – (480) 832-8370 – View Map
AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
Arizona car insurance companies ranked
Ending up with a good quality insurance provider can be rather challenging considering how many choices drivers have in Arizona. The company rank data displayed below could help you decide which coverage providers to look at comparing price quotes from.
Top 10 Mesa Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
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
Cheaper auto insurance rates are available
We covered many ideas to get a better price on Toyota Camry insurance in Mesa. The key thing to remember is the more quotes you get, the better likelihood of getting affordable Mesa auto insurance quotes. You may even be surprised to find that the lowest premium rates come from the smaller companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.
Discount Toyota Camry insurance in Mesa is attainable from both online companies in addition to many Mesa insurance agents, so you need to quote Mesa auto insurance with both in order to have the best chance of saving money. Some auto insurance companies may not offer the ability to get quotes online and many times these small insurance companies only sell through independent agents.
To learn more, link through to the articles below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Mesa? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Mesa? (FAQ)
- How Much are Auto Insurance Quotes for Used Cars in Mesa? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in Mesa? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Information for Teen Drivers (GEICO)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)