Statistics show that the vast majority of consumers kept buying from the same company for well over three years, and almost half have never taken the time to shop around. American insurance shoppers could cut their rates by $850 a year just by shopping around, but they feel it’s too difficult to find cheap auto insurance rates.
If saving the most money is your goal, then the best way to get discount auto insurance rates in Mesa is to start comparing prices yearly from insurers who provide car insurance in Arizona.
- First, get an understanding of individual coverages and the measures you can take to drop your rates. Many risk factors that increase rates such as multiple speeding tickets and a bad credit score can be rectified by making minor changes to your lifestyle. Later in this article we will cover information to help prevent high rates and get additional discounts.
- Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can give you price quotes for many different companies. View rates
- Third, compare the quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate and change companies, make sure there is no lapse in coverage.
- Fourth, notify your current company to cancel your current policy and submit a down payment and signed policy application to your new company or agent. Once the application is submitted, safely store the proof of insurance paperwork in your glove compartment.
An important note is that you use similar limits and deductibles on each quote and and to get quotes from as many companies as possible. Doing this enables the most accurate price comparison and a better comparison of the market.
If you have insurance now or just want to reduce your rates, follow these tips to reduce the price you pay and still get good coverage. Obtaining price quotes for the lowest-priced coverage in Mesa is not as difficult as people think. Smart buyers just need to use the most effective way to compare rates using one simple form.
The following companies are our best choices to provide free rate quotes in Arizona. If your goal is to find the best cheap auto insurance in Mesa, AZ, we suggest you click on several of them in order to get a fair rate comparison.
Rates and other information
The premium table displayed next highlights different insurance premium costs for Volvo XC70 models. Having a good grasp of how insurance quotes are determined can be useful when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $324 | $548 | $338 | $20 | $102 | $1,332 | $111 |
| XC70 T6 AWD 4-Dr | $324 | $632 | $338 | $20 | $102 | $1,416 | $118 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific Mesa garaging location which can impact auto insurance rates greatly.
Policy deductibles
One of the most common car insurance questions is how high should the deductibles for physical damage be. The data tables below summarize the cost difference of buying low and high physical damage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $324 | $548 | $338 | $20 | $102 | $1,357 | $113 |
| XC70 T6 AWD 4-Dr | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC70 3.2 AWD Station Wagon | $180 | $290 | $338 | $20 | $102 | $930 | $78 |
| XC70 T6 AWD 4-Dr | $180 | $334 | $338 | $20 | $102 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in your specific Mesa location which can decrease or increase prices substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $37 more each month or $444 for a full year averaged for all XC70 models than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 24 months between claims, you would probably come out ahead if you decide on a higher deductible.
Accidents and violations increase rates
The illustration below demonstrates how speeding tickets and at-fault collisions drive up Volvo XC70 insurance rates for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Cost difference between full coverage and liability
The diagram below illustrates the difference between Volvo XC70 car insurance costs with full physical damage coverage and with liability coverage only. Data assumes no claims or driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.
Should you buy full coverage or liability only?
There isn’t a steadfast formula for phasing out physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Volvo XC70 replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after you pay the deductible. If it’s costing in excess of $400 a year to have full coverage, then it might be time to buy liability only.
There are a few situations where only buying liability is not advised. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.
Why You Might Pay Increased Rates in Mesa
An important part of buying insurance is that you know a few of the rating criteria that go into determining the level of your policy premiums. If you understand what influences your rates, this allows you to make good choices that could help you find much lower annual insurance costs.
Consolidate and save – Most larger companies allow better rates for people that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be ten or even fifteen percent. Even if you already get this discount, consumers should still shop around to guarantee you are still saving the most. Drivers may still find a better deal even if you insure with multiple companies
Battle of the sexes – Over time, data shows that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Females and males cause fender benders at about the same rate, but the males have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving.
The illustration below illustrates the comparison of Volvo XC70 car insurance rates for male and female drivers. The data assumes no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Raising physical damage deductibles lowers premiums – The deductibles define how much you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some examples of covered claims could be collision with another vehicle, damage from fire, and having a roll-over accident. The more damage repair cost the insured has to pay upfront, the bigger discount you will receive.
Drive a safer car and pay less – Safer cars tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
Having a spouse can save you money – Your spouse may save some money when shopping for insurance. It demonstrates that you tend to be more mature and responsible it has been statistically shown that being married results in fewer claims.
Volvo XC70 insurance loss probability – Car insurance companies analyze historical claim data as a way to help calculate a profitable premium price. Models that have a higher amount or frequency of claims will have increased rates. The next table shows the loss history for Volvo XC70 vehicles.
For each coverage type, the claim probability for all vehicles as a whole is considered to be 100. Percentages below 100 represent a good loss history, while numbers that are greater than 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volvo XC70 Station Wagon 2WD | 69 | |||||
| Volvo XC70 Station Wagon 4WD | 79 | 70 | 94 | 45 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance just makes sense
Even though it’s not necessarily cheap to insure a Volvo in Mesa, maintaining insurance is mandatory in Arizona but it also protects more than you think.
- The majority of states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability insurance coverage in order to drive the car. 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.
- If you have a lien on your Volvo, almost all lenders will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Volvo for a lot more money and force you to pay much more than you were paying before.
- Insurance preserves both your assets and your Volvo. Insurance will also pay for medical bills that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Volvo as the result of the weather or an accident, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays as much as $850 per year so compare rates every year to ensure rates are competitive.
Mesa auto insurance companies
Selecting the right car insurance provider can be rather challenging considering how many companies there are to choose from in Arizona. The information shown below may help you select which auto insurance companies to look at comparing rate quotes with.
Top 10 Mesa Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%