It’s an obvious assumption that insurance companies don’t want you to look for a cheaper policy. Consumers who shop for lower rates will presumably switch to a new company because of the good chance of finding a lower-priced company. A study showed that people who compared rates annually saved about $865 annually compared to those who never compared other company’s rates.
If finding the best price on auto insurance in Mesa is your ultimate goal, knowing the best way to compare insurance coverage can make it easier to shop your coverage around.
The best way to get discount auto insurance rates in Mesa is to make a habit of comparing prices annually from insurers in Arizona.
- First, get an understanding of how insurance works and the changes you can make to prevent high rates. Many rating factors that drive up the price like traffic violations, accidents, and a negative credit score can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover more ideas to keep prices down and find overlooked discounts.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies.
- Third, compare the new quotes to your current policy premium and see if there is a cheaper rate in Mesa. If you can save money and buy the policy, make sure there is no coverage gap between policies.
- Fourth, give notification to your current company to cancel your current auto insurance policy and submit a down payment and signed policy application for your new coverage. As soon as you receive it, place your new certificate of insurance above your visor, in the console, or in the glove compartment.
An important part of this process is to try to compare similar limits and deductibles on every quote request and to quote with as many car insurance companies as possible. Doing this helps ensure a fair price comparison and a thorough selection of prices.
Toyota Tacoma insurance charts and tables
The coverage information below highlights a range of insurance policy prices for Toyota Tacoma models. Learning as much as possible about how auto insurance policy rates are determined is important for you to make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $194 | $456 | $314 | $18 | $94 | $1,076 | $90 |
| Tacoma 4WD | $222 | $376 | $314 | $18 | $94 | $1,024 | $85 |
| Tacoma Double Cab 4WD | $222 | $456 | $314 | $18 | $94 | $1,104 | $92 |
| Tacoma X-Runner 2WD | $222 | $538 | $314 | $18 | $94 | $1,186 | $99 |
| Tacoma Double Cab 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
| Tacoma Double Cab TRD Sport Package 4WD | $250 | $456 | $314 | $18 | $94 | $1,132 | $94 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in your specific Mesa location which can increase or decrease rates substantially.
Do you need full coverage?
The information below visualizes the comparison of Toyota Tacoma insurance premiums when comparing full coverage to state minimum liability only. The data is based on a clean driving record, no claims, $500 deductibles, single status, and no other discounts are factored in.
When to stop buying physical damage coverage
There isn’t a written rule of when to stop paying for full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Toyota Tacoma claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Six Tips to Get Lower-cost Mesa Insurance Premiums
Consumers need to have an understanding of a few of the rating criteria that are used to determine the price you pay for auto insurance. If you understand what influences your rates, this helps enable you to make changes that will entitle you to lower rates. Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but other criteria are not as apparent like where you live or your commute time.
- Vehicle features that lower auto insurance rates – Choosing to buy a car with a theft deterrent system can get you a discount on your auto insurance. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your vehicle from being stolen.
- Inexpensive frequent claims are not good – Car insurance companies in Arizona provide discounts to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
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Females tend to be lower risk – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Females and males get in fender benders in similar percentages, but guys cause more damage. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
The chart below illustrates the comparison of Toyota Tacoma yearly insurance costs for male and female drivers. Data assumes no claims or violations, full coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
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Impacts performance impacts auto insurance premiums – The make and model of the car you own makes a huge difference in your car insurance bill. The lowest rates will generally be found on smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
The data below assumes a married male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Toyota Tacoma car insurance rates compared to other makes and models that have different performance risks.
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Get a ticket, pay higher costs – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records pay less for auto insurance as compared to those with violations. Just one speeding ticket or other violation could increase your next policy renewal by as much as twenty percent. People who have serious tickets such as DUI, reckless driving or excessive speeding may find that they have to to maintain a SR-22 with their state’s licensing department in order to continue driving.
The information below shows how violations and at-fault accidents can raise Toyota Tacoma insurance rates for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
- Your vocation may affect rates – Do you have a high-stress occupation? Occupations such as doctors, social workers, and emergency personnel generally have higher average rates in part from intense work situations and long work hours. Conversely, jobs such as farmers, students and the unemployed have the lowest average rates.
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Insurance losses for a Toyota Tacoma – Companies use statistical claims data as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have higher loss trends will have a higher premium rate. The next table illustrates the insurance loss data used by companies for Toyota Tacoma vehicles.
For each coverage type, the claim amount for all vehicles compiled together is represented as 100. Numbers that are below 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
Insurance Loss Ratings for Toyota Tacoma Vehicles Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Toyota Tacoma Double Cab 2WD 79 109 70 77 76 92 Toyota Tacoma Double Cab 4WD 82 104 84 64 56 77 Toyota Tacoma Double Cab LWB 2WD 87 108 74 96 Toyota Tacoma Double Cab LWB 4WD 84 104 88 68 57 79 Toyota Tacoma Xtra Cab 2WD 80 105 60 86 75 96 Toyota Tacoma Xtra Cab 4WD 71 90 77 48 51 65 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Mesa auto insurance company ratings
Insuring your vehicle with a good quality insurance company can be a challenge considering how many different companies there are to choose from in Arizona. The ranking information in the lists below can help you analyze which providers you want to consider purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
In Summary
While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut uninsured motorist or liability limits only to regret that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best possible price while still protecting your assets.
Insureds switch companies for a variety of reasons including denial of a claim, lack of trust in their agent, policy cancellation and even delays in paying claims. Whatever your reason, switching insurance companies is easier than you think.
Cheaper insurance in Mesa can be found both online as well as from independent agents in Mesa, so get free Mesa car insurance quotes from both of them to have the best selection. There are still a few companies who may not provide internet price quotes and many times these smaller providers sell through independent agents.
Additional information
- Child Safety Seats (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Kia Optima in Mesa? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Quotes for Ride Shares? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Red Light Cameras (State Farm)
- Should I Buy a New or Used Car? (Allstate)