The recommended way to get low-cost auto insurance rates is to start comparing rates regularly from providers who sell auto insurance in Mesa. Rate comparisons can be done by completing these steps.
Step 1: Take a few minutes and learn about how companies set rates and the things you can change to drop your rates. Many factors that are responsible for high rates like accidents, careless driving, and a not-so-good credit history can be eliminated by making minor changes in your lifestyle.
Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of companies.
Step 3: Compare the price quotes to your existing rates to see if you can save by switching companies. If you find a better price and change companies, make sure coverage is continuous and does not lapse.
Step 4: Tell your current agent or company of your intent to cancel your current auto insurance policy. Submit a completed policy application and payment to your new carrier. As soon as coverage is bound, put the new certificate verifying coverage in an easily accessible location in your vehicle.
A tip to remember is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each price quote and and to get price quotes from as many car insurance companies as possible. This ensures a fair rate comparison and a complete price analysis.
Anyone knows that insurance companies want to keep you from comparing rates. Consumers who shop around annually will probably buy a new policy because they stand a good chance of finding a more affordable policy. A recent survey revealed that drivers who compared price quotes annually saved $72 a month compared to those who never compared rates.
If saving the most money on car insurance is the reason for your visit, then learning a little about how to choose a company and compare insurance premiums can make it easier for you to save money.
Save money on Hyundai Elantra insurance in Mesa with these eight insurance discounts
Not too many consumers would say insurance is affordable, but you might be missing out on some discounts to reduce the price significantly. Some of these discounts will be visible at the time you complete a quote, but a few need to be specially asked for before they will apply.
- Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote Mesa auto insurance with certain companies.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
- Defensive Driving Course – Participating in a class that teaches safe driver techniques can save you 5% or more and easily pay for the cost of the class.
- Own a Home and Save – Owning a house in Mesa can help you save on insurance because owning a home shows financial diligence.
- Auto/Life Discount – Insurance companies who offer life insurance give a lower rate if you buy life insurance.
- No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on Mesa auto insurance quote when compared with bad drivers.
- Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
- Discounts for Safe Drivers – Drivers without accidents can pay as much as 50% less than less cautious drivers.
A quick disclaimer, most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, nobody gets a free ride.
The example below compares Hyundai Elantra insurance premiums with and without discounts applied to the rates. The data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, homeowner, and safe-driver discounts applied.
A few of the larger companies and some of their more popular discounts are outlined below.
- Travelers offers discounts for home ownership, good student, student away at school, driver training, new car, multi-car, and IntelliDrive.
- 21st Century discounts include early bird, driver training, homeowners, anti-lock brakes, defensive driver, air bags, and theft prevention.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, passive restraint, student away at school, good student, multiple autos, and Drive Safe & Save.
- GEICO has discounts for anti-lock brakes, seat belt use, driver training, anti-theft, federal employee, and defensive driver.
- SAFECO may offer discounts for safe driver, anti-theft, teen safe driver, accident prevention training, teen safety rewards, and anti-lock brakes.
- AAA may include discounts for multi-policy, pay-in-full, AAA membership discount, good driver, and education and occupation.
If you need affordable Mesa auto insurance quotes, ask every company to apply every possible discount. Some discounts listed above might not be available to policyholders in Mesa.
When shopping for Hyundai Elantra insurance in Mesa there are multiple ways of comparing rates from different Mesa insurance companies. The quickest method to find cheaper rates consists of obtaining rate quotes online.
Getting quotes online is very simple and it makes it obsolete to actually drive to local Mesa insurance agencies. Buying insurance online eliminates the middleman unless you have a need for the personal advice of an agent trained in personal lines coverage. Although, it is possible comparison shop your insurance online and get advice from an agent in your area.
When comparing auto insurance rates, know that comparing more quotes provides better odds of finding the best rates.
The companies shown below have been selected to offer quotes in Mesa, AZ. If you want cheaper auto insurance in Mesa, it’s a good idea that you visit two to three different companies to get the lowest price.
Rates and statistics
The price information below showcases estimates of coverage costs for Hyundai Elantra models. Understanding how insurance policy rates are calculated is important for you to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $122 | $232 | $308 | $18 | $92 | $772 | $64 |
| Elantra Blue 4-Dr Sedan | $122 | $332 | $362 | $22 | $108 | $946 | $79 |
| Elantra GLS 4-Dr Sedan | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Elantra SE 4-Dr Sedan | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Elantra SE Touring Station Wagon | $140 | $282 | $308 | $18 | $92 | $840 | $70 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in vehicle garaging location which can decrease or increase auto insurance rates greatly.
Higher deductibles lower rates
One of the most common insurance questions is how high should the physical damage coverage deductibles be. The premium rates below outline the premium difference of buying low and high coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $202 | $320 | $254 | $16 | $76 | $893 | $74 |
| Elantra Blue 4-Dr Sedan | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Elantra GLS 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Elantra SE 4-Dr Sedan | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Elantra SE Touring Station Wagon | $232 | $390 | $254 | $16 | $76 | $993 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Elantra GLS Touring Station Wagon | $124 | $202 | $254 | $16 | $76 | $672 | $56 |
| Elantra Blue 4-Dr Sedan | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Elantra GLS 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Elantra SE 4-Dr Sedan | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Elantra SE Touring Station Wagon | $144 | $246 | $254 | $16 | $76 | $736 | $61 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on 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. Rate quotes do not factor in your specific Mesa location which can increase or decrease insurance rates substantially.
Based on the data above, we can derive that using a $250 deductible will cost you about $22 more each month or $264 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 34 months between claim filings, you would probably save some money if you decide on a higher deductible.
The illustration below highlights how deductible choice and can affect Hyundai Elantra annual premium costs for each different age group. The premiums are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Male drivers versus female drivers
The example below illustrates the comparison of Hyundai Elantra yearly insurance costs for male and female drivers. The data assumes no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
It’s not one size fits all
Always keep in mind that when comparing coverage for your personal vehicles, there really is no cookie cutter policy. Your financial needs are unique.
Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.
- What does roadside assistance cover?
- Am I covered if I break a side mirror?
- What if a claim settlement is too low?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- How much liability do I need to cover my assets?
- Is my ex-spouse still covered by my policy?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.
Getting quotes from local Mesa auto insurance agents
Certain consumers still like to sit down with an agent. An additional benefit of comparing rate quotes online is you can get the lowest rates and still have a local agent.
Upon completion of this quick form, the coverage information is sent to agents in your area that can give you free Mesa auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates and a licensed agent to work with. If you wish to compare prices from a particular provider, just search and find their rate quote page and give them your coverage information.
Finding the right insurance company shouldn’t rely on just a cheap price. Get answers to these questions too.
- Where are claims handled?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What company do they have the most business with?
- Will your rates increase after a single accident?
- Is the agency active in community causes in Mesa?
If you want to buy car insurance from a good insurance agency, you need to know there are two types of insurance agents from which to choose. Mesa agents can be categorized as either independent or exclusive.
Exclusive Insurance Agents
Agents of this type normally can only provide a single company’s rates such as State Farm, Allstate and AAA. They are unable to compare rates from other companies so they really need to provide good service. They receive extensive training on their company’s products which can be an advantage.
The following is a short list of exclusive agencies in Mesa that can give you price quotes.
Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033 – View Map
Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820 – View Map
Allstate Insurance: Cameron Berrett
5052 S Power Rd #104 – Mesa, AZ 85212 – (480) 454-7518 – View Map
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company so they can write business with a variety of different insurance companies and find the cheapest rate. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.
If you are trying to find cheaper rates, you will want to include price quotes from at a minimum one independent agency so that you can do a thorough price comparison.
The following are independent insurance agencies in Mesa willing to provide price quotes.
ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map
If you feel you receive acceptable answers to any questions you have and low cost Hyundai Elantra insurance quotes, it’s a good possibility that you have found an auto insurance agent that meets the criteria to properly insure your vehicles. Just keep in mind it’s your coverage and you can terminate coverage when you choose so don’t assume that you’re stuck with a specific company for any length of time.
Car insurance does more than just repair your car
Despite the fact that car insurance is not cheap in Mesa, car insurance is required for several reasons.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car. 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 your Hyundai Elantra has a loan, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender will be forced to insure your Hyundai for a much higher rate and require you to reimburse them the higher price.
- Car insurance protects not only your Hyundai Elantra but also your assets. It will also reimburse you for many types of medical costs incurred in an accident. One policy coverage, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having car insurance are without a doubt worth the cost, specifically if you ever have a liability claim. As of last year, the average driver in Arizona is currently overpaying as much as $830 a year so you should quote rates every year to ensure rates are competitive.
Specific coverage details
Learning about specific coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Liability car insurance – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/10 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $10,000.
Liability can pay for claims like structural damage, attorney fees, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but buy higher limits if possible. Arizona requires minimum liability limits of 15/30/10 but drivers should carry better liability coverage.
The illustration below shows why buying low liability limits may not be adequate.
Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Hyundai Elantra.
Since many Arizona drivers only purchase the least amount of liability that is required (15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Collision coverage – Collision coverage will pay to fix damage to your Elantra from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Elantra in order to get cheaper collision rates.
Comprehensive auto insurance – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like fire damage, falling objects, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical expenses – Med pay and PIP coverage reimburse you for short-term medical expenses like prosthetic devices, dental work, chiropractic care and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Cover all your bases
Consumers who switch companies do it for many reasons like high rates after DUI convictions, policy cancellation, not issuing a premium refund or high prices. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.
We covered quite a bit of information on how to reduce Hyundai Elantra insurance rates online in Mesa. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from the smaller companies.
Cheap Hyundai Elantra insurance in Mesa is definitely available both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who don’t offer online quoting and many times these smaller companies only sell coverage through independent insurance agents.
More tips and info about car insurance is available in these articles:
- Auto Theft Statistics (Insurance Information Institute)
- What Car Insurance is Cheapest for 18 Year Olds in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students? (FAQ)
- What Insurance is Cheapest for 17 Year Olds in Mesa? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Hyundai Santa Fe in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
- How Much are Car Insurance Rates for a Nissan Sentra in Mesa? (FAQ)
- Side Impact Crash Tests (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)