A recent study showed that most auto insurance customers have remained with the same auto insurance company for at least four years, and 38% of drivers have never compared auto insurance rates at all. With the average premium in Arizona being $1,600, drivers could cut their rates by 50% a year just by getting comparison quotes, but they underestimate the rate savings if they changed companies.
The most effective way to find affordable car insurance rates is to start doing an annual price comparison from different companies in Mesa. Drivers can shop around by following these guidelines.
First, try to comprehend what is in your policy and the measures you can take to keep rates low. Many policy risk factors that are responsible for high rates like speeding tickets, accidents and a bad credit score can be controlled by making small lifestyle or driving habit changes.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can provide rate quotes from multiple companies.
Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate in Mesa. If you can save money and make a switch, make sure there is no coverage gap between policies.
Fourth, provide notification to your current agent or company to cancel your current car insurance policy and submit the application along with any required down payment for the new policy. Be sure to place the new certificate verifying coverage in your vehicle.
An essential thing to point out is that you use similar coverage information on each price quote and and to get quotes from every insurance company. Doing this enables a fair rate comparison and the best price selection.
All major insurance companies such as Progressive, Allstate and GEICO allow consumers to get insurance quotes directly from their websites. Comparing Dodge Grand Caravan insurance rates online is quite easy as all you need to do is type in your personal and coverage information into the quote form. Behind the scenes, the quote system requests reports for credit and driving violations and returns a price quote based on many factors.
Being able to quote online for Dodge Grand Caravan insurance in Mesa makes it simple to compare prices and it is imperative to have as many quotes as possible in order to find the most affordable premium possible.
If you want to get comparison pricing now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you type in the insurance coverages exactly as shown on your declarations page. Doing this assures you will have a price comparison based on identical coverages.
The companies in the list below are ready to provide free rate quotes in Mesa, AZ. If you want cheap car insurance in Mesa, AZ, we suggest you click on several of them to get the cheapest price.
Determine discounts on Mesa insurance
Some insurers don’t always publicize every available discount in an easy-to-find place, so we took the time to find both the well known as well as the least known discounts that you can inquire about if you buy Mesa auto insurance online.
- Cautious Driver Discounts – Safe drivers may save up to 50% more compared to accident prone drivers.
- Onboard Data Collection – Policyholders that allow driving data collection to monitor where and when they drive by using a telematic data system like Allstate’s Drivewise may see discounts if they are good drivers.
- Mesa Homeowners Pay Less – Just owning your own home can earn you a little savings because of the fact that having a home shows financial diligence.
- Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
- Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
- Buy New and Save – Buying a new car model can save up to 30% because newer models keep occupants safer.
- Paperwork-free – Some of the larger companies provide a small discount for buying your policy digitally online.
It’s important to note that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, nobody gets a free ride.
The information below visualizes the comparison of Dodge Grand Caravan insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, homeowner, and multi-policy discounts applied.
To choose providers who offer online Dodge Grand Caravan insurance quotes in Arizona, click here to view.
Auto insurance data for a Dodge Grand Caravan
The rate table shown below showcases estimates of insurance coverage prices for Dodge Grand Caravan models. Knowing how car insurance premiums are determined can assist in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $232 | $320 | $300 | $18 | $90 | $960 | $80 |
| Grand Caravan SE | $232 | $320 | $300 | $18 | $90 | $960 | $80 |
| Grand Caravan Hero | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| Grand Caravan Crew | $262 | $390 | $300 | $18 | $90 | $1,060 | $88 |
| Grand Caravan SXT | $262 | $390 | $300 | $18 | $90 | $1,060 | $88 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific Mesa garaging location which can change prices significantly.
Auto insurance deductibles
One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The comparison tables below can help illustrate the premium difference between low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Grand Caravan SE | $258 | $382 | $300 | $18 | $90 | $1,073 | $89 |
| Grand Caravan Hero | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Grand Caravan Crew | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Grand Caravan SXT | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Caravan CV | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Grand Caravan SE | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Grand Caravan Hero | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Grand Caravan Crew | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Grand Caravan SXT | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in specific location which can revise coverage rates considerably.
We can estimate from the data above that using a $100 deductible costs an average of $19 more each month or $228 a year than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 21 months between claims, you would probably be better off going with the higher deductible. The table below illustrates a better example of how this calculation is made.
| Average monthly premium for $100 deductibles: | $94 |
| Average monthly premium for $500 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One big caveat is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you do file a claim. That will force you to have some extra savings in the event you need to pay the deductible.
Full coverage versus liability only rates
The chart below compares Dodge Grand Caravan insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no exact rule to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Dodge Grand Caravan claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your deductible. If you are paying over $600 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some scenarios where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Insurance agent or online?
Certain consumers would prefer to buy from a local agent and that can be a smart move The best thing about price shopping on the web is you may find cheaper prices and still buy from a local agent.
After completing this quick form, your insurance data is sent to insurance agents in Mesa who want to provide quotes for your business. There is no need to search for any insurance agencies due to the fact that quote results will go to you directly. You can find the lowest rates and work with a local agent. If you want to get a price quote from a specific car insurance provider, you would need to find their quoting web page and submit a quote form there.
Picking a insurer requires more thought than just the quoted price. These questions are important to ask:
- Do they have cheaper tiers of coverage?
- Where would glass claims be handled in Mesa?
- Do you work with a CSR or direct with the agent?
- When do they do policy reviews?
- Can you choose the body shop in case repairs are needed?
- Do they feel the quoted coverages are adequate?
- Are they properly licensed to sell insurance in Arizona?
- Does the agency provide any after hours assistance?
If you’re trying to find a good Mesa insurance agent, you need to know there are two different agency structures to choose from. Car insurance policy providers may be either independent or exclusive.
Exclusive Agents
Agents that elect to be exclusive can only write with one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so you might not find the best rates. Exclusive agencies receive extensive training on the products they sell and that can be a competitive advantage. Drivers often buy insurance from these agents primarily because of high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive insurance agents in Mesa willing to provide rate quotes.
- Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map - State Farm : Mike Wilson
1046 E McKellips Rd – Mesa, AZ 85203 – (480) 926-0388 – View Map - Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209 – View Map
Independent Car Insurance Agents
Agents of this type can quote rates with many companies so they can quote policies through many companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to switch agencies.
When searching for an agent, you definitely need to get some free quotes from a couple of independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to companies you’ve never heard of which may have better rates.
The following is a list of independent insurance agents in Mesa who can help you get comparison quotes.
- Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map - Bryant Insurance Agency, LLC
2941 N Power Rd Suite 101 – Mesa, AZ 85215 – (480) 448-1555 – View Map - The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
Situations that may require an agent’s advice
When quoting and comparing the best car insurance coverage for your vehicles, there really isn’t a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight if your insurance needs will benefit from professional help.
- Am I covered if I hit my neighbor’s mailbox?
- Should I waive the damage coverage when renting a car?
- Do I need motorclub coverage?
- Am I better off with higher deductibles on my Dodge Grand Caravan?
- Is there a penalty for late payment?
- At what point should I drop full coverage?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.
The Dodge Grand Caravan Insurance Price Equation
An important part of buying insurance is that you know some of the things that help determine the price you pay for car insurance. When you know what positively or negatively influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Multiple criteria are part of the equation when premium rates are determined. Some are obvious such as your driving history, but other factors are not as apparent such as your marital status or your vehicle rating.
- Good credit equals lower costs – Your credit rating is a big factor in determining what you pay for car insurance. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores. If your credit history is not that good, you could potentially save money when insuring your Dodge Grand Caravan by improving your credit score.
- Safer vehicles save money – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and better occupant protection means your insurance company pays less and thus lower rates. If the Dodge Grand Caravan has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
- Decrease premiums by maintaining coverage – Driving with no insurance can get your license suspended and you may have a hard time finding new coverage because you let your coverage lapse. Not only will rates go up, the inability to provide proof of insurance may earn you fines or a revoked license.
- Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when shopping for auto insurance. City drivers regularly have congested traffic and much longer commute distances. Fewer drivers translates into fewer accident claims in addition to fewer liability claims.
-
Responsible drivers pay the best prices – Your driving record influences premium rates substantially. Just one ticket could increase your next policy renewal forty percent or more. Drivers with clean records pay lower auto insurance prices as compared to careless drivers. Drivers unfortunate enough to have license-revoking tickets like hit and run, DWI or reckless driving convictions may be required to prove financial responsibility to the state department of motor vehicles in order to keep their license.
The diagram below shows how traffic citations and accidents influence Dodge Grand Caravan premium costs for different insured age categories. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
-
Dodge Grand Caravan insurance loss probability – Companies factor in historical loss data as a way to help calculate a profitable premium rate. Models that the statistics show to have higher claim frequency or loss amount will have a higher premium rate. The table below demonstrates the insurance loss data for Dodge Grand Caravan vehicles.
For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Values that are 100 or less suggest a better than average loss history, while numbers shown that are more than 100 point to more frequent losses or statistically larger claims.
Dodge Grand Caravan Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Dodge Grand Caravan 79 104 81 108 108 107 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Three main reasons to buy insurance
Despite the high cost of buying insurance for a Dodge Grand Caravan in Mesa, insuring your vehicle may be required for several reasons.
First, the majority of states have mandatory insurance requirements which means state laws require specific limits of liability coverage if you want to drive legally. 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 bought your vehicle with a loan, almost every bank will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Dodge at a much higher rate and require you to fork over the higher price.
Third, insurance safeguards your vehicle and your assets. It will also provide coverage for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in Arizona is overpaying more than $830 a year so we recommend shopping around at least once a year to help ensure money is not being wasted.
Mesa car insurance companies
Choosing a high-quality insurer is difficult considering how many choices you have in Mesa. The rank data shown next could help you analyze which auto insurance companies to look at to insure your vehicles.
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 Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Shop around and save
Lower-priced Dodge Grand Caravan insurance in Mesa is possible both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not have rates over the internet and usually these small insurance companies work with independent insurance agencies.
When shopping online for car insurance, do not buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.
People who switch companies do it for a variety of reasons including unfair underwriting practices, policy cancellation, lack of trust in their agent or policy non-renewal. No matter why you want to switch, choosing a new insurance company is less work than it seems.
For more information, feel free to visit the following helpful articles:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much are Auto Insurance Rates for a Chevrolet Malibu in Mesa? (FAQ)
- Who Has Affordable Auto Insurance Rates for 19 Year Olds in Mesa? (FAQ)
- Which Company has the Cheapest Car Insurance in Mesa, Arizona? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Auto Insurance Learning Center (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)