If saving the most money is your goal, then the best way to get cheaper car insurance rates in Mesa is to annually compare prices from different companies who sell auto insurance in Arizona. Rate comparisons can be done by following these steps.
- Read and learn about how car insurance works and the things you can change to prevent rate increases. Many policy risk factors that result in higher rates such as speeding and bad credit can be eliminated by making small lifestyle or driving habit changes.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources.
- Compare the new rate quotes to your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, make sure there is no lapse in coverage.
The most important part of shopping around is to try to compare the same amount of coverage on each quote and to quote with as many auto insurance providers as possible. This ensures a fair rate comparison and a thorough price selection.
A recent NerdWallet.com study revealed that the vast majority of consumers have bought car insurance from the same company for more than four years, and about 40% of consumers have never compared rates to find affordable insurance. Mesa consumers could pocket roughly $700 a year just by comparing rates, but they just feel it’s too hard to go online and compare rates.
If you have coverage now or just want cheaper coverage, you can use these techniques to cut your premiums while maximizing coverage. Quoting and buying the best-priced insurance coverage in Mesa is not as hard as you may think. Vehicle owners only need an understanding of the tricks to compare price quotes from many different companies online.
Most major insurance companies like State Farm and Allstate allow consumers to get pricing online. Getting online rates for BMW M3 insurance in Mesa can be done by anyone as you simply type in your required coverages into the quote form. Behind the scenes, the system automatically retrieves your driving record and credit report and quotes a price based on the information you submitted.
This makes comparing rates easy, and it is important to do this in order to get affordable rates.
If you want to find out how much you’re overpaying now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you input the insurance coverages identical to your current policy. Using the same limits helps guarantee you are getting comparison quotes based on the exact same insurance coverage.
The companies shown below can provide quotes in Arizona. If you want to find cheap auto insurance in Mesa, AZ, we suggest you visit as many as you can to get a more complete price comparison.
BMW M3 insurance charts and tables
The coverage information shown next outlines estimates of insurance policy prices for BMW M3 models. Having insight into how auto insurance premiums are figured can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M3 4-Dr Sedan | $312 | $588 | $306 | $18 | $92 | $1,316 | $110 |
| M3 CI 2-Dr Coupe | $340 | $656 | $306 | $18 | $92 | $1,412 | $118 |
| M3 2-Dr Convertible | $340 | $656 | $306 | $18 | $92 | $1,412 | $118 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage prices greatly.
Can higher deductibles save money?
One common question asked by Mesa drivers is how high or low should comp and collision deductibles be. The rates below may help to conceptualize the rate difference when you select higher and lower physical damage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M3 4-Dr Sedan | $358 | $716 | $300 | $18 | $90 | $1,507 | $126 |
| M3 CI 2-Dr Coupe | $390 | $798 | $300 | $18 | $90 | $1,621 | $135 |
| M3 2-Dr Convertible | $390 | $798 | $300 | $18 | $90 | $1,621 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| M3 4-Dr Sedan | $198 | $376 | $300 | $18 | $90 | $982 | $82 |
| M3 CI 2-Dr Coupe | $216 | $420 | $300 | $18 | $90 | $1,044 | $87 |
| M3 2-Dr Convertible | $216 | $420 | $300 | $18 | $90 | $1,044 | $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 claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in Mesa location which can affect prices noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $47 more each month or $564 a year averaged for all M3 models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 19 months between claims, you would save more money if you choose the higher deductible.
The illustration below shows how choosing a deductible and can change BMW M3 insurance costs for different categories of driver ages. The price estimates are based on a married female driver, full coverage, and no policy discounts are applied.
Safe drivers pay less for auto insurance
The example below illustrates how traffic citations and accident claims can drive up BMW M3 auto insurance rates for each different age group. The premiums assume a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Auto insurance discounts help lower rates for BMW M3 insurance in Mesa
Auto insurance is not cheap nor is it fun to buy but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some discounts are required to be manually applied before you will receive the discount.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and will save you 10% or more on M3 insurance in Mesa.
- Student Driver Training – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
- Federal Government Employee – Employees or retirees of the government can save as much as 8% depending on your auto insurance provider.
- Early Renewal Discounts – Select companies give a discount for switching to them early. This discount can save up to 10%.
- ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
- Claim-Free Discount – Drivers with accident-free driving histories get the best auto insurance rates in comparison with drivers who are more careless.
- Savings for New Vehicles – Putting insurance on a new M3 may earn a small discount compared to insuring an older model.
- Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates compared to accident prone drivers.
Don’t be surprised that some of the credits will not apply to the whole policy. A few only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, it’s just not the way it works. But any discount should help reduce your policy premiums.
The information below visualizes the comparison of BMW M3 auto insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.
The best auto insurance companies and some of the premium reductions they offer are outlined below.
- State Farm has discounts for Drive Safe & Save, good driver, accident-free, multiple autos, driver’s education, and anti-theft.
- Farmers Insurance includes discounts for homeowner, pay in full, good student, teen driver, alternative fuel, and early shopping.
- Progressive offers discounts including online quote discount, online signing, homeowner, multi-policy, continuous coverage, multi-vehicle, and good student.
- GEICO discounts include military active duty, good student, anti-theft, multi-policy, and five-year accident-free.
- Auto-Owners Insurance has savings for safe driver, paperless, group or association, company car, multi-policy, and air bags.
- The Hartford policyholders can earn discounts including good student, defensive driver, vehicle fuel type, anti-theft, driver training, air bag, and bundle.
- Farm Bureau offers discounts for 55 and retired, multi-policy, renewal discount, driver training, multi-vehicle, youthful driver, and good student.
- USAA offers premium reductions for good student, multi-vehicle, driver training, vehicle storage, defensive driver, new vehicle, and multi-policy.
If you need lower rates, check with each insurance company which discounts you may be entitled to. Some credits might not be offered in Mesa.
Three main reasons to buy auto insurance
Even though Mesa M3 insurance rates can get expensive, buying auto insurance is required for several reasons.
- Almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage if you don’t want to risk a ticket. 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.
- If you bought your BMW M3 with a loan, it’s most likely the lender will make it mandatory that you have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your BMW for a much higher rate and require you to reimburse them much more than you were paying before.
- Insurance protects both your vehicle and your personal assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying more than $855 a year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.
What is the best car insurance company in Mesa?
Selecting a good quality car insurance company can be rather challenging considering how many companies are available to choose from in Arizona. The rank data in the next section may help you decide which providers you want to consider when comparing rate quotes.
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
Insurance agent or online?
Many drivers still prefer to have an agent’s advice and that is a personal choice. Professional agents can help you choose the best coverages and will help you if you have claims. One of the great benefits of comparing insurance prices online is you can get better rates but also keep your business local. Buying from and supporting small agencies is important particularly in Mesa.
Once you complete this simple form, the quote information gets sent to insurance agents in Mesa who will return price quotes and help you find cheaper coverage. There is no need to contact an agency since rate quotes are delivered immediately to your email address. If you need to compare prices from a particular provider, don’t hesitate to find their quoting web page to submit a rate quote request.
If you’re trying to find a reputable agency, you should know the different types of agencies and how they are slightly different. Insurance agencies in Mesa are categorized either independent (non-exclusive) or exclusive. Either type can insure your vehicles properly, but it’s a good idea to understand why they differ since it can affect your selection of an agent.
Independent Agents (or Brokers)
Agents that elect to be independent are normally appointed by many insurers and that enables them to quote your coverage with a variety of different insurance companies and get you the best rates possible. If your agent finds better pricing, your policy is moved internally and the insured can keep the same agent. When comparing rate quotes, you definitely need to compare quotes from independent agents to get the best comparison. Many independent agencies also insure through smaller mutual companies which can save you money.
Shown below is a list of independent insurance agencies in Mesa that may be able to give you free rate quotes.
- ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map - Kohlhase Insurance
6550 E Main St – Mesa, AZ 85205 – (480) 832-8370 – View Map - Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672 – View Map
Exclusive Insurance Agents
These agents work for only one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers often buy from the same agent for years mostly because of the brand legacy and solid financial strength.
Listed below are Mesa exclusive insurance agents who can help you get price quotes.
- Phil Borgia – State Farm Insurance Agent
1635 N Greenfield Rd #1 – Mesa, AZ 85205 – (480) 981-8681 – View Map - Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map - Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209 – View Map
Finding a good auto insurance agent shouldn’t rely on just a cheap quote. The answers to these questions are important, too.
- What insurance companies do they work with in Mesa?
- Do they regularly work with personal auto policies in Mesa?
- Does the agent have professional designations like CIC, CPCU or AIC?
- When do they do a full risk review?
- How experienced are they in personal risk management?
- Do they make recommendations based only on price?
Once you have good answers to your questions as well as an affordable premium quote, chances are good that you have found an insurance agent that can be trusted to properly service your insurance policy. It’s important to know that you are able to cancel a policy at any time so never feel you are locked into a specific company for the full policy term.