How long has it been since the last time you looked for lower-priced auto insurance rates in Mesa, AZ? Mesa buyers have options when searching for the best price on Tesla Model X insurance. They can either spend hours contacting agents to compare prices or leverage the internet to make rate comparisons.
There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to compare rates for a new or used Tesla and get the lowest price.
It is always a good idea to shop coverage around on a regular basis because prices are rarely the same from one policy term to another. Even if you think you had the best price on Tesla Model X insurance in Mesa at your last renewal other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn the best methods to remove unneeded coverages and save money.
If you are already insured or are looking for a new policy, you can follow these tips to shop for the lowest rates and still have adequate protection. This article will teach you a little about how car insurance quotes work and how to save the most money. You only need to know the best way to shop online.
The companies shown below are ready to provide free quotes in Arizona. If multiple companies are listed, it’s a good idea that you get price quotes from several of them to find the cheapest car insurance rates.
Lower-cost Tesla Model X insurance in Mesa
Auto insurance is not cheap nor is it fun to buy but there are discounts available to help bring down the price. Certain reductions will be credited at the time of quoting, but a few need to be manually applied before being credited.
- Onboard Data Collection – Mesa drivers who agree to allow their insurance company to study when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as they are good drivers.
- Defensive Driver Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Online Discount – A few insurance companies may give you up to $50 simply for signing on your computer.
- College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
- Mesa Homeowners Pay Less – Owning a home in Mesa may earn you a small savings since home ownership is proof that your finances are in order.
- One Accident Forgiven – This one is not really a discount per se, but companies like Allstate, State Farm and GEICO will let one accident slide without the usual rate increase so long as you are claim-free for a certain period of time.
- Savings for New Vehicles – Buying a new car instead of a used Model X can save you some money because newer models are generally safer.
Don’t be surprised that most discounts do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
Insurance companies that possibly offer most of the discounts above include:
When getting a coverage quote, ask each company or agent how you can save money. Some discounts listed above might not be available to policyholders in Mesa. To see a list of insurance companies who offer cheap Tesla Model X insurance quotes in Mesa, follow this link.
Buying car insurance from Mesa insurance agents
Many drivers would rather buy from a local agent and that can be a smart move Good insurance agents can help determine the best coverages and will help you if you have claims. A good thing about comparing car insurance online is you may find cheap car insurance quotes and still have an agent to talk to. Supporting neighborhood agents is definitely important in Mesa.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to insurance agents in Mesa that provide free Mesa auto insurance quotes for your coverage. You never need to visit any agencies because quoted prices will be sent instantly to you. In the event you want to get a price quote from a particular provider, you would need to navigate to their website and submit a quote form there.
Listed below is a short list of car insurance companies in Mesa willing to provide price quote information for Tesla Model X insurance in Mesa.
- Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map - Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map - Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map - ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
Picking an insurer requires you to look at more than just the quoted price. The following questions are important to ask.
- Do they prorate repair cost based on vehicle mileage?
- Are they giving you every discount you deserve?
- If independent agents, which companies do they recommend?
- Will the company cover a rental car if your car is getting fixed?
- Are all drivers listed on the coverage quote?
- Will you work with the agent or an assistant?
Specific coverages for a Tesla Model X
Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Liability
Liability insurance will cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims like bail bonds, medical expenses, medical services and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy higher limits.
The illustration below shows why buying low liability limits may not be adequate.
Comprehensive or Other Than Collision
This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage and hitting a bird. 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 dropping full coverage.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Tesla Model X.
Because many people only purchase the least amount of liability that is required (15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.
Collision insurance
This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like rolling your car, colliding with a tree, backing into a parked car, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Model X to save money on collision insurance.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, chiropractic care, rehabilitation expenses and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
Smart shoppers get results
We covered many ways to save on Tesla Model X insurance in Mesa. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive Mesa auto insurance quotes. You may even discover the biggest savings come from a smaller regional carrier.
Low-cost Tesla Model X insurance in Mesa is possible from both online companies and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide rates over the internet and most of the time these small, regional companies prefer to sell through independent insurance agencies.
As you prepare to switch companies, it’s a bad idea to 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 find out they didn’t have enough coverage. Your strategy should be to find the BEST coverage for the lowest cost, not the least amount of coverage.
How to buy cheaper Tesla Model X insurance in Mesa
If you want to save money, the best way to get discount Tesla Model X insurance in Mesa is to compare prices at least once a year from different companies who sell insurance in Arizona. Drivers can shop around by following these steps.
First, take a little time to learn about how auto insurance works and the things you can control to keep rates low. Many rating factors that result in higher rates such as accidents, traffic violations, and poor credit rating can be eliminated by improving your driving habits or financial responsibility.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide prices for many different companies.
Third, compare the quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
Fourth, provide proper notification to your current company to cancel the current policy. Submit a down payment along with a signed application to the new insurer. Don’t forget to place your new proof of insurance certificate along with the vehicle’s registration papers.
One important bit of advice is to use the same amount of coverage on each price quote and and to get rates from as many companies as possible. This ensures the most accurate price comparison and a complete price analysis.
For more information, feel free to visit these articles:
- What is Covered by GAP Insurance? (Allstate)
- What Insurance is Cheapest for a Nissan Altima in Mesa? (FAQ)
- How Much are Auto Insurance Rates for a Chevrolet Malibu in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Government Employees? (FAQ)
- What is Full Coverage? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)