It’s safe to conclude that auto insurance companies don’t want you to compare rates. People who shop around will, in all likelihood, move their business because there are good odds of finding coverage at a cheaper rate. A recent car insurance study revealed that consumers who faithfully checked for cheaper rates saved about $3,500 over four years compared to those who never shopped around.
If finding budget-friendly rates on Hyundai Sonata Hybrid insurance in Mesa is your objective, learning the best ways to shop for coverages can help you succeed in saving money.
The preferred way to get cheaper Hyundai Sonata Hybrid insurance in Mesa is to regularly compare price quotes from companies in Arizona.
- First, take a few minutes and learn about what coverages are included in your policy and the factors you can control to prevent rate increases. Many risk factors that drive up the price such as traffic violations and a poor credit rating can be eliminated by making minor driving habit or lifestyle changes.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
- Third, compare the price quotes to your existing rates to see if you can save by switching companies. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, provide proper notification to your current company to cancel the current policy. Submit the completed application along with a down payment to the new company. Be sure to keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
A crucial key to this process is to make sure you’re comparing the same amount of coverage on each price quote and to quote with as many companies as possible. Doing this guarantees an accurate price comparison and a complete price analysis.
Quote Mesa Hyundai Sonata Hybrid insurance online
When comparison shopping, there are several ways to compare rate quotes from many auto insurance companies in Arizona. The best method to find competitive Hyundai Sonata Hybrid insurance rates is to get quotes online.
Doing price comparisons online is so simple that it makes it obsolete to drive around to each insurance agency near you. Quoting Hyundai Sonata Hybrid insurance online can eliminate the need for a local agent unless you have a need for the advice and guidance of a licensed agent. If you prefer, some companies allow you to price shop your coverage online but buy from a local insurance agent. When comparison shopping, more quotes increases the chance that you will find the best offered rates. Some companies don’t provide online rate quotes, so it’s important to also get price quotes from them as well.
The following companies are ready to provide comparison quotes in Arizona. If you want cheap auto insurance in Arizona, we recommend you visit two to three different companies to get a more complete price comparison.
Auto insurance is not optional
Despite the high cost, insurance is required for several reasons.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you drive a vehicle. 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 your car has a lienholder, it’s guaranteed your bank will make it a condition of the loan that you buy full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Hyundai for a much higher rate and require you to fork over for the expensive policy.
Third, auto insurance protects both your vehicle and your assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of insuring your Sonata Hybrid are without a doubt worth the cost, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $850 per year so it’s very important to do a rate comparison at every policy renewal to ensure rates are inline.
Affordable Mesa car insurance rates with discounts
Some insurers do not list every available discount in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous credits that may apply to you.
- Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Military Rewards – Being on active deployment in the military could qualify you for better premium rates.
- Employee of Federal Government – Simply working for the federal government may reduce rates when you quote Mesa auto insurance with select insurance companies.
- Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks for completing your application on the internet.
- Theft Deterrent Discount – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a Mesa auto insurance quote.
- Membership in Organizations – Joining a civic or occupational organization in Mesa could qualify you for a break when getting a Mesa auto insurance quote.
- Accident Waiver – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a set time period.
- Telematics Data – Drivers that enable data collection to analyze vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
You should keep in mind that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.
Companies and a selection of discounts are included below.
- State Farm may include discounts for safe vehicle, accident-free, defensive driving training, multiple autos, good student, multiple policy, and Steer Clear safe driver discount.
- Progressive may offer discounts for multi-vehicle, continuous coverage, online signing, good student, multi-policy, and online quote discount.
- Travelers discounts include multi-car, multi-policy, hybrid/electric vehicle, IntelliDrive, and new car.
- American Family includes discounts for mySafetyValet, air bags, bundled insurance, good student, Steer into Savings, early bird, and accident-free.
- Liberty Mutual may have discounts that include multi-policy, newly married, new graduate, newly retired, hybrid vehicle, good student, and new vehicle discount.
Check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in Mesa. If you would like to view insurers who offer online Hyundai Sonata Hybrid insurance quotes in Mesa, click here.
When to have guidance from a local insurance agent
Many drivers would rather have an agent’s advice and doing that can be a smart decision An additional benefit of comparing rate quotes online is the fact that you can find cheap insurance rates and still choose a local agent. Supporting local insurance agencies is still important in Mesa.
After filling out this quick form, the coverage information gets sent to local insurance agents in Mesa that can give you free Mesa auto insurance quotes for your insurance coverage. You won’t even need to leave your house due to the fact that quote results will go directly to your email. You can get cheaper insurance rates and a licensed agent to talk to. If you want to quote rates from a specific insurance provider, don’t hesitate to visit that company’s website and give them your coverage information.
If you are searching for a local agent, it’s important to understand the types of insurance agents and how they differ in how they quote coverages. Mesa agents can either be independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Agents of this type do not sell for just one brand so they can write business with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, they can switch companies in-house and that require little work on your part.
When comparing insurance prices, it’s recommended you get insurance quotes from at least one independent agent in order to have the best price comparison.
Below is a partial list of independent agencies in Mesa that may be able to give price quotes.
AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 – View Map
Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company and examples are American Family, State Farm, and AAA. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agencies receive a lot of sales training on what they offer which helps them sell on service rather than price.
Shown below are Mesa exclusive agents who can help you get rate quotes.
American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 – View Map
Allstate Insurance: Brent D. Henningson
5540 E Broadway Rd Ste 6 – Mesa, AZ 85206 – (480) 830-0046 – View Map
Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952 – View Map
Choosing the best insurance agency shouldn’t rely on just the bottom line cost. Here are some questions you should ask.
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What is the agency’s Better Business Bureau rating?
- Are there any discounts for paying up front?
- Are aftermarket or OEM parts used to repair vehicles?
- Is the agent and/or agency licensed to do business in Arizona?
- Where would your vehicle be repaired?
- Can they give you a list of client referrals?
- Do the coverages you’re quoting properly cover your vehicle?
What is the best auto insurance coverage?
When choosing your policy for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Every insured’s situation is different.
For example, these questions can aid in determining whether or not you might need professional guidance.
- How can I find cheaper teen driver insurance?
- Do I need added coverage for expensive stereo equipment?
- How do I insure my teen driver?
- Can I afford to buy a different vehicle if my Hyundai Sonata Hybrid is totaled?
- Are my friends covered when driving my car?
- Can I get by with minimal medical coverage if I have good health insurance?
If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.
Which auto insurance company is best in Mesa?
Buying coverage from the highest-rated car insurance company is hard considering how many choices drivers have in Mesa. The company information shown next can help you pick which auto insurers to look at when shopping around.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote. Compare. Save.
As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.
We just covered many ways to save on Hyundai Sonata Hybrid insurance in Mesa. The most important thing to understand is the more you quote Mesa auto insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from the smaller companies.
Cheaper insurance in Mesa can be purchased both online and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide rate quotes online and these regional insurance providers work with local independent agencies.
More learning opportunities
- Safety Belts FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Rates for a Kia Optima in Mesa? (FAQ)
- What Insurance is Cheapest for a Toyota Camry in Mesa? (FAQ)
- How Much are Auto Insurance Rates for Young Drivers in Mesa? (FAQ)
- Who Has Cheap Mesa Car Insurance for a Honda CR-V? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 70 in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)