Do you want a faster way to compare more competitive Volvo V50 insurance in Mesa? Did you fall for a flashy sales pitch and buy overpriced Volvo V50 insurance in Mesa? Believe me, there are lots of people in the same boat.
Statistics show that the vast majority of consumers kept their policy with the same company for well over three years, and almost half have never compared rates from other carriers. Drivers in Mesa could save themselves almost 50% a year by just comparing quotes, but they just don’t understand how easy it is to find cheap insurance by shopping around. Companies like State Farm, GEICO and Farmers Insurance continually bombard you with TV and radio ads and it is difficult to sift through the bull and do the work needed to find the best deal.
You need to do rate comparisons occasionally because prices are usually higher with each renewal. If you had the best deal on Volvo V50 insurance in Mesa a year ago you can probably find a better rate now. Ignore everything you know about auto insurance because you’re about to find out one of the easiest ways to lower your rates without sacrificing coverage.
Cheap Volvo insurance prices in Mesa
The companies shown below offer comparison quotes in Mesa, AZ. If your goal is to find cheap auto insurance in AZ, we recommend you visit two to three different companies to find the most affordable auto insurance rates.
Insurance coverage details
The data table shown next highlights estimates of insurance rates for Volvo V50 models. Having a better idea how policy rates are established can assist in making informed purchases.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|V50 AWD T5 R-Design||$290||$652||$404||$24||$122||$1,492||$124|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in Mesa location which can influence insurance rates substantially.
The information below highlights how deductible selection and can raise or lower Volvo V50 insurance costs for different age groups. The prices are based on a single female driver, full coverage, and no discounts are applied.
Irresponsible driving raises your rates
The illustration below highlights how traffic violations and at-fault fender-benders increase Volvo V50 yearly insurance costs for different age categories. The information is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.
Male drivers versus female drivers
The diagram below compares Volvo V50 yearly insurance costs for male and female drivers. The price estimates are based on no violations or claims, full physical damage coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Earn discounts on Mesa insurance
Not too many consumers would say insurance is affordable, but there are discounts available to cut the cost considerably. Some of these discounts will be visible at the time of quoting, but some need to be specially asked for in order for you to get them. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.
- Resident Student – Kids who are enrolled in higher education away from home and won’t have access to an insured vehicle could get you a discount.
- Federal Employees – Active or retired federal employment may reduce rates when you quote Mesa auto insurance depending on your insurance provider.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
- Memberships – Affiliation with certain professional organizations may earn a discount on your next renewal.
A quick disclaimer, many deductions do not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride.
The chart below compares Volvo V50 car insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
Car insurance companies that may include many of the previously listed discounts include:
- State Farm
- Liberty Mutual
- American Family
- Farmers Insurance
- Auto-Owners Insurance
Before you buy a policy, ask each insurance company which discounts you qualify for. Some discounts might not be offered in your area. To choose insurance companies that offer multiple discounts in Arizona, click this link.
Auto insurance is available from local insurance agents
Some people just prefer to sit down with an agent and that is recommended in a lot of cases Most agents are trained to spot inefficiencies and help you file claims. An additional benefit of comparing rate quotes online is you may find cheap rate quotes but also keep your business local. Buying from local agents is important particularly in Mesa.
By using this simple form, the coverage information is sent to companies in Mesa who will give you bids for your insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent straight to your inbox. If you need to get a rate quote from one company in particular, feel free to visit that company’s website and fill out the quote form the provide.
What type of Mesa auto insurance agent is right for you?
If you prefer to buy auto insurance from a reputable agency, it’s important to understand the different types of agents to choose from. Auto insurance policy providers are either exclusive or independent. Both write auto insurance policies, but it’s good to learn the difference in the companies they write for because it can factor into buying decisions.
Independent Auto Insurance Agents (or Brokers)
Independent agencies can quote rates with many companies so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, your agent can just switch to a different company and you don’t have to switch agencies. When searching for an agent, you definitely need to compare quotes from several independent agencies to maximize your price options.
Below is a list of independent agents in Mesa that can possibly get you free price quotes.
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map
Exclusive Auto Insurance Agencies
Exclusive agencies generally can only insure with one company and examples are State Farm, AAA, and Liberty Mutual. They are unable to give you multiple price quotes so always compare other rates. These agents are very knowledgeable on what they offer and that can be a competitive advantage.
Shown below are Mesa exclusive agencies who can help you get price quote information.
American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 – View Map
Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map
Finding the right insurance agency shouldn’t rely on just a cheap price quote. Before buying a policy in Mesa, get answers to these questions.
- How are they compensated?
- Which insurance company do they prefer to write with?
- Will you work with the agent or an assistant?
- When do they do policy reviews?
- Do they specialize in personal lines auto insurance in Mesa?
- Can you contact them at any time?
What is the best car insurance company in Arizona?
Choosing the best auto insurance company is hard considering how many different companies there are to choose from in Mesa. The ranking information in the next section can help you choose which companies to look at to insure your vehicles.
Top 10 Mesa Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Auto insurance coverage information
Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.
Collision coverage – This covers damage to your V50 resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible on your V50 to get cheaper collision coverage.
Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hitting a bird, vandalism, rock chips in glass, damage from getting keyed and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volvo V50.
Since a lot of drivers have only the minimum liability required by law (15/30/10 in Arizona), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.
Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 15/30/10 which means a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for things like pain and suffering, loss of income, legal defense fees, court costs and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy more coverage.
The next chart demonstrates why buying the state minimum limits may not provide adequate coverage.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses for ambulance fees, hospital visits, rehabilitation expenses, surgery and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible
Budget-conscious Volvo V50 insurance is available on the web and from local agencies, so get free Mesa auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies may not provide rate quotes online and most of the time these regional insurance providers sell through independent insurance agents.
We just showed you a lot of information how to lower your Volvo V50 insurance rates in Mesa. The key thing to remember is the more rate comparisons you have, the better likelihood of getting affordable Volvo V50 insurance quotes. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies. They may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.
When searching for the cheapest Volvo V50 rate quotes, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate, but do not skimp to save money.
How to find low-cost rates for Volvo V50 insurance in Mesa
If you want to find the absolute lowest rates, then the best way to find affordable quotes for car insurance rates is to make a habit of comparing prices annually from companies that insure vehicles in Mesa.
First, get a basic knowledge of the different coverages in a policy and the things you can change to keep rates down. Many things that drive up the price such as multiple speeding tickets and a lousy credit rating can be improved by improving your driving habits or financial responsibility.
Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can quote rates from multiple sources. View insurance agents
Third, compare the new rates to your existing rates to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is that you’ll want to make sure you compare similar deductibles and liability limits on every quote request and to quote with as many companies as possible. This enables a fair price comparison and a thorough price selection.
Additional detailed information is located in the articles below:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)
- Safe Vehicles for Teens (iihs.org)