The recommended way to get the cheapest Subaru WRX insurance in Mesa is to do a yearly price comparison from providers who provide auto insurance in Arizona. Rates can be compared by completing these steps.
- Step 1: Get a basic knowledge of auto insurance and the measures you can control to prevent high rates. Many things that cause rate increases like traffic violations and bad credit can be remedied by making lifestyle changes or driving safer.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO or State Farm, while agents who are independent can give you price quotes from many different companies. View prices
- Step 3: Compare the new rate quotes to your existing policy and determine if there is any savings. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
- Step 4: Give notification to your agent or company of your decision to cancel your existing policy. Submit a completed policy application and payment to your new carrier. Immediately put the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
An important part of this process is to use similar limits and deductibles on every quote and and to compare as many companies as feasibly possible. This provides a fair rate comparison and a better comparison of the market.
It’s an obvious conclusion that insurance companies don’t want you shop around. Consumers who shop around annually will probably buy a new policy because there is a good probability of finding coverage at a cheaper rate. A recent survey found that consumers who shopped around annually saved approximately $72 a month compared to other drivers who never shopped for cheaper rates.
If finding the lowest price for insurance in Mesa is your objective, then having a good understanding how to choose a company and compare coverages can help simplify the process.
The goal of this article is to teach you a little about the best way to buy inexpensive insurance and some money-saving tips. If you are paying for car insurance now, you should be able to lower your rates using the concepts covered in this article. You only have to learn the best way to shop from many companies at once.
Companies offering affordable Subaru WRX rates in Mesa, AZ
The companies shown below can provide free rate quotes in Mesa, AZ. If you wish to find cheaper auto insurance in Mesa, we suggest you click on several of them in order to get a fair rate comparison.
Earn discounts on Mesa auto insurance
Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but once in a while a discount must be manually applied before you will receive the discount. If you’re not getting every credit you deserve, you could be paying more than you need to.
- Policy Bundle Discount – If you can combine your auto and home policy and place coverage with the same company you may save over 10 percent off each policy depending on the company.
- Telematics Discount – Insureds who allow data collection to spy on vehicle usage remotely such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
- Multi-Vehicle Discounts – Buying coverage for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
- Multi-line Discount – Some insurance companies give a lower price if you buy life insurance.
- Passive Restraint Discount – Options like air bags or automatic seat belts may get savings of 25 to 30%.
- Driver Education Discount – Have your child successfully take a driver’s education course in school.
While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.
Large auto insurance companies and the discounts they provide are outlined below.
- American Family offers premium reductions for early bird, mySafetyValet, bundled insurance, Steer into Savings, TimeAway discount, and air bags.
- Nationwide offers discounts including anti-theft, good student, defensive driving, multi-policy, family plan, and easy pay.
- MetLife may offer discounts for multi-policy, claim-free, good student, accident-free, and defensive driver.
- 21st Century may have discounts that include automatic seat belts, defensive driver, 55 and older, homeowners, air bags, teen driver, and early bird.
- Farmers Insurance policyholders can earn discounts including multi-car, electronic funds transfer, teen driver, switch companies, and alternative fuel.
- Allstate may include discounts for eSmart discount, good payer, farm vehicle, EZ pay plan discount, economy car, multi-policy, and 55 and retired.
Before buying, ask every prospective company which credits you are entitled to. Some discounts listed above might not be available to policyholders in Mesa.
When do I need to get advice from an insurance agency?
Many people just want to buy from a licensed agent and that can be a great decision Agents are trained risk managers and help submit paperwork. One of the great benefits of price shopping on the web is you may find lower premium rates and still have a local agent. Putting coverage with local agencies is important especially in Mesa.
By using this short form, your insurance coverage information is transmitted to agents in your area who want to provide quotes and help you find cheaper coverage. You don’t have to contact any insurance agencies because prices are sent directly to you. If you have a need to get a rate quote from a specific insurance company, feel free to go to their quote page to submit a rate quote request.
Choose an insurance agent wisely
When finding a reliable insurance agency, it can be helpful to understand the different types of agents and how they differ in how they quote coverages. Agents in Mesa are considered either exclusive or independent agents depending on their company appointments. Both can do a good job, but it’s worth mentioning the difference between them since it could factor into the kind of agent you use.
Independent Insurance Agents
Independent agencies often have many company appointments and that enables them to quote your coverage through lots of different companies and find the cheapest rate. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you.
When searching for an agent, you definitely need to get several quotes from a few independent agents to get the best comparison. Many can place coverage with different regional companies which could offer lower prices.
Featured below is a partial list of independent insurance agents in Mesa that may be able to provide rate quotes.
- Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
- ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – 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 Agencies
Agents of this type can only write with one company like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates. A lot of people purchase coverage from exclusives mainly due to the brand legacy rather than having low rates.
Shown below is a short list of exclusive insurance agencies in Mesa that are able to give price quotes.
- Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map
- Jim Shepard – State Farm Insurance Agent
1725 E University Dr – Mesa, AZ 85203 – (480) 964-8173 – View Map
- Allstate Insurance: Michael Grizzle
1119 E University Dr – Mesa, AZ 85203 – (480) 834-1233 – View Map
Picking an insurance agent requires you to look at more than just a low price. Get answers to these questions too.
- Does the company have a local claim office in Mesa?
- Do they make recommendations based only on price?
- Will they make sure you get an adequate claim settlement?
- Are there any discounts for paying up front?
- Will the quote change when the policy is issued?
- Is insurance their full-time profession?
- Does the agency have a current Errors and Omissions policy?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
If you get satisfactory answers for all questions you ask as well as a price you’re happy with, you may have just found an insurance agency that meets the requirements to properly insure your vehicles.
Coverages available on your policy
Learning about specific coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for bills for ambulance fees, rehabilitation expenses, prosthetic devices, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible
This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a broken windshield, falling objects and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This coverage covers damage to your WRX from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like scraping a guard rail, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible on your WRX in order to get cheaper collision rates.
This coverage will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.
Liability coverage protects against things like repair costs for stationary objects, emergency aid, attorney fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Arizona state minimum liability requirements are 15/30/10 but drivers should carry better liability coverage.
The next chart shows why buying minimum limits may not be adequate coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liability limits.
Affordable auto insurance premiums are out there
In this article, we covered a lot of techniques to reduce Subaru WRX insurance premium rates online in Mesa. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies.
Lower-priced Subaru WRX insurance in Mesa is definitely available online and from local agencies, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide online price quotes and usually these smaller companies sell through local independent agents.
When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced collision coverage only to discover later that it was a big error on their part. Your aim should be to find the BEST coverage at the best cost while still protecting your assets.
Additional detailed information can be read in the articles below:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Cheap Mesa Auto Insurance for Teenage Females? (FAQ)
- Who Has Affordable Mesa Auto Insurance for a Learners Permit? (FAQ)
- How Much are Mesa Car Insurance Quotes for Nurses? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Mesa? (FAQ)
- How Much is Mesa Car Insurance for Teenagers? (FAQ)
- Who Has the Cheapest Mesa Car Insurance for Drivers Under 21? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Mesa? (FAQ)
- What is a Telematics Device? (Allstate)
- A Tree Fell on Your Car: Now What? (Allstate)
- Liability Insurance Coverage (Nationwide)
- Booster Seat Ratings (iihs.org)