Do you need a better way to compare lower-priced Ford Freestyle insurance in Mesa? Expensive car insurance in Mesa can overdraw your family’s budget and make it impossible to make ends meet. Getting a rate comparison is a smart way to tighten up your finances.
It’s hard to believe, but nearly 70% of Arizona drivers renewed their policy with the same company for four years or more, and almost half have never quoted car insurance rates at all. Drivers in the U.S. could save an average of roughly $850 each year, but most just don’t grasp the amount of money they would save if they switched.
How to find cheaper Ford Freestyle insurance in Mesa
The most effective way to get affordable auto insurance rates is to start comparing prices yearly from companies in Mesa.
- Step 1: Take a few minutes and learn about how your policy works and the things you can control to prevent rate increases. Many things that cause high rates like distracted driving and a negative credit score can be remedied by paying attention to minor details. Read the full article for the details to help keep rates affordable and find possible discounts that are available.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can quote rates for many different companies.
- Step 3: Compare the new rates to the price on your current policy and determine if there is any savings. If you can save some money and change companies, ensure there is no coverage lapse between policies.
- Step 4: Give proper notification to your current agent or company to cancel your existing policy and submit a down payment along with a signed application for the new coverage. Immediately upon receiving it, place your new proof of insurance paperwork in an easily accessible location in your vehicle.
The most important part of shopping around is to use the same deductibles and limits on each quote request and and to analyze as many car insurance companies as possible. This ensures a fair price comparison and a complete rate analysis.
Vehicle owners have so many insurers to buy insurance from, and although it’s a good thing to have multiple companies, it can be more difficult to compare rates for Ford Freestyle insurance in Mesa.
Auto insurance providers offering competitive rates in Arizona
The companies shown below are our best choices to provide price comparisons in Mesa, AZ. If you want cheap car insurance in AZ, we recommend you get rates from several of them in order to find the lowest rates.
Ford Freestyle insurance discounts in Mesa
Insurance can be prohibitively expensive, but there could be available discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but some discounts are required to be asked about prior to receiving the credit.
- Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
- Safety Restraint Discount – Drivers who require all occupants to wear their seat belts could save 15% off the personal injury premium cost.
- Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on your computer.
- Distant College Student Discount – Older children who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Multi-policy Discount – If you can bundle your auto and home insurance with one company they may give you a discount of 10% to 20% off each policy.
- Buy New and Save – Putting insurance on a new Freestyle can get you a discount because newer vehicles keep occupants safer.
- Telematics Data Discounts – People who choose to allow driving data submission to scrutinize where and when they drive through the use of a telematics system such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
- Government Employee Discount – Federal government employees can earn a discount up to 10% with certain companies.
It’s important to understand that most credits do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.
Companies that may include most of these discounts include:
If you want low cost Mesa auto insurance quotes, ask every prospective company which discounts can lower your rates. All car insurance discounts may not apply to policyholders in Mesa.
You Can Change Your Insurance Costs
It’s important that you understand some of the things that come into play when calculating your auto insurance rates. If you know what controls the rates you pay, this enables you to make decisions that could result in cheaper rates. Many different elements are used when premium rates are determined. Some are pretty understandable like a motor vehicle report, although others are not quite as obvious like where you live or how safe your car is.
- Five star IIHS safety rating saves money – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity means less claims paid which can mean better rates for you. If the Ford Freestyle scored at minimum four stars on Safercar.gov it may cost less to insure.
- Policy add-ons may be wasting money – There are quite a few extra coverages that can waste your money if you aren’t diligent. Insurance for rental car coverage, better glass coverage, and term life insurance may not be needed and are just wasting money. You may think they are a good idea at first, but if you don’t need them consider taking them off your policy.
- Your address can influence rates – Having an address in a small town may provide you with better prices when shopping for auto insurance. Urban drivers tend to have much more traffic and longer commute times. Lower population means less chance of accidents in addition to fewer liability claims.
- Prevent theft and save – Owning a car with advanced anti-theft systems can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
- Stay claim-free and save money – If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies in Arizona give better rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
Special considerations
When it comes to buying insurance from an agent or online for your vehicles, there is no cookie cutter policy. You are unique.
For instance, these questions can help discover whether or not you might need an agent’s assistance.
- Why am I required to buy liability insurance?
- What is GAP insurance?
- How long can I keep a teen driver on my policy?
- What if I don’t agree with a claim settlement offer?
- How much liability coverage do I need in Arizona?
- Am I covered when driving in Canada or Mexico?
- If I drive on a suspended license am I covered?
- What is the premium to book value ratio for dropping full coverage?
- How many claims can I have before being canceled?
- Can I get by with minimal medical coverage if I have good health insurance?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.
When should I have guidance from an insurance agency?
A small number of people prefer to sit down and talk to an agent and that is OK! The best thing about getting free rate quotes online is you can get cheap rate quotes and still have an agent to talk to. Buying from local agencies is still important in Mesa.
Once you complete this short form, your insurance data gets sent to insurance agents in Mesa who can give free rate quotes for your coverage. It’s much easier because you don’t need to leave your house since price quotes are sent to the email address you provide. It’s the lowest rates and a licensed agent to work with. In the event you want to get a comparison quote from a specific insurance company, just search and find their rate quote page to submit a rate quote request.
If you need to find a reliable insurance agency, there are a couple of types of insurance agents and how they are slightly different. Auto insurance policy providers are classified as either independent (non-exclusive) or exclusive.
Independent Agents
Agents that elect to be independent are not restricted to one company and that gives them the ability to insure with any number of different companies and help determine which has the cheapest rates. If they find a cheaper price, they can switch companies in-house which is easy for the insured.
When comparing auto insurance prices, we recommend you get insurance quotes from independent agents for maximum quote selection.
Below is a list of independent insurance agents in Mesa who can help you get cheap rate quotes.
INW Insurance Group
4545 E Southern Ave #106 – Mesa, AZ 85206 – (480) 626-0797 – View Map
The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 – View Map
Exclusive Insurance Agencies
These type of agents can usually just insure with one company like State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. They are usually well trained on their company’s products which helps overcome the inability to quote other rates.
Below are Mesa exclusive agents willing to provide rate quotes.
State Farm : Mike Wilson
1046 E McKellips Rd – Mesa, AZ 85203 – (480) 926-0388 – View Map
Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map
Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 – View Map
Selecting an car insurance agent needs to be determined by more than just a low price. Below are some questions you should ask.
- Does the agency provide any after hours assistance?
- By raising physical damage deductibles, how much would you save?
- Does the company have a solid financial rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are there any discounts for paying up front?
Persistence will pay off
As you quote Mesa auto insurance, it’s very important that you do not reduce coverage to reduce premium. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Consumers switch companies for a number of reasons such as policy non-renewal, policy cancellation, unfair underwriting practices or even high rates after DUI convictions. Whatever your reason, choosing a new insurance company is less work than it seems.
Lower-priced insurance in Mesa is possible from both online companies and with local Mesa insurance agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not provide internet price quotes and these regional insurance providers provide coverage only through independent agents.
Steps to saving money on Ford Freestyle insurance in Mesa
To save the most money, the best way to get cheaper auto insurance rates in Mesa is to compare prices at least once a year from providers that sell auto insurance in Arizona.
Step 1: Try to learn a little about how auto insurance works and the modifications you can make to prevent expensive coverage. Many rating criteria that are responsible for high rates such as at-fault accidents, speeding tickets, and a not-so-good credit history can be eliminated by improving your driving habits or financial responsibility.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from many different companies.
Step 3: Compare the price quotes to your current policy premium to see if a cheaper rate is available. If you can save some money and change companies, verify that coverage does not lapse between policies.
Step 4: Tell your current company to cancel your current coverage. Submit payment along with a signed and completed policy application to the new company. Immediately upon receiving it, keep the new certificate of insurance with your vehicle’s registration.
The most important part of shopping around is to try to compare identical coverages on every price quote and and to compare as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and maximum price selection.
Other information
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for a Toyota Tacoma in Mesa? (FAQ)
- How Much is Mesa Car Insurance for a Toyota Corolla? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Mesa? (FAQ)
- Red Light Cameras (State Farm)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)