Everyone knows that auto insurance companies want to keep you from comparing rates. People who do rate comparisons will presumably switch insurance companies because of the high probability of finding lower prices. A study discovered that people who made a habit of comparing rate quotes saved about $865 annually compared to those who never shopped around for lower prices.
If finding budget-friendly insurance is your objective, then having some knowledge of how to quote and compare auto insurance can help make the process easier and more efficient.
The best way we recommend to find affordable quotes for auto insurance rates is to do a yearly price comparison from providers in Mesa.
Step 1: Read and learn about how insurance companies determine prices and the factors you can control to keep rates in check. Many factors that cause rate increases such as inattentive driving and a not-so-good credit rating can be amended by paying attention to minor details. Read the full article for tips to get lower rates and find possible discounts that are available.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while agents who are independent can provide price quotes for a wide range of companies. Get quotes now
Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper TT RS coverage is available. If you can save some money and decide to switch, make sure there is no coverage gap between policies.
Step 4: Notify your agent or company of your intention to cancel your current car insurance policy and submit a down payment along with a completed application for the new policy. Be sure to keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
One key aspect of rate comparisons is to make sure you’re comparing the same coverage limits and deductibles on each price quote and and to get rates from every insurance company. Doing this enables the most accurate price comparison and maximum price selection.
Buying affordable car insurance in Mesa is quite easy. If you currently have car insurance, you will surely be able to get lower rates using this information. But Arizona car owners need to have an understanding of the way insurance companies compete online and use it to your advantage.
When quoting insurance, remember that having more price comparisons gives you a better chance of getting the best offered rates.
The following companies provide free quotes in Arizona. If you want to find cheap car insurance in AZ, we suggest you visit as many as you can to get the best price comparison.
Save a ton by taking advantage of these ten discounts
Companies that sell car insurance don’t always list all discounts in an easy-to-find place, so the list below details a few of the more common in addition to some of the lesser obvious car insurance savings.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on one policy can reduce rates for all insured vehicles.
- Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will save you 10% or more on TT RS insurance in Mesa.
- Discount for Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy some life insurance too.
- Telematics Devices – Drivers who elect to allow their company to look at where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as the data is positive.
- ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
- Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote Mesa car insurance with some car insurance companies.
- Pay Early and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- 55 and Retired – Drivers over the age of 55 may receive lower premium rates.
- Claim-Free Discount – Drivers with accident-free driving histories pay less in comparison with accident-prone drivers.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.
Discounts lower rates, but most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.
To choose car insurance companies with significant discounts in Arizona, click here to view.
Insurance agent or online?
A lot of people just want to go talk to an agent and that is a smart decision The biggest benefit of getting online price quotes is that you can find lower rates but also keep your business local.
After filling out this simple form, your information is transmitted to companies in Mesa that provide free Mesa car insurance quotes for your coverage. You won’t even need to search for any insurance agencies because quoted prices will be sent to your email. You can find lower rates without the usual hassles of price shopping. If you need to get a comparison quote from a particular provider, just visit that company’s website and give them your coverage information.
Picking a insurer should include more criteria than just the price. Here are some questions you might want to ask.
- What insurance companies do they recommend if they are an independent agent?
- Can you contact them at any time?
- Will you work with the agent or an assistant?
- Will the agent help in case of a claim?
- Does the agency have a positive business rating?
When narrowing the list to find a good insurance agency, it’s important to understand the different types of agents and how they can service your needs differently. Insurance policy providers can be categorized as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Agents that choose to be exclusive are contracted to one company and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their company’s products which helps them compete with independent agents. Drivers often buy from exclusive agents mainly due to the prominent brand name and solid financial strength.
The following are Mesa exclusive agents who may provide you with price quotes.
- Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map
- Jim Shepard – State Farm Insurance Agent
1725 E University Dr – Mesa, AZ 85203 – (480) 964-8173 – View Map
- Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map
Independent Agencies or Brokers
Independent insurance agents do not write with just one company so they have the ability to put coverage with any number of different companies and get the cheapest rates. If premiums increase, the agent simply finds a different carrier and you can keep the same agent.
If you are trying to find cheaper rates, we recommend you get quotes from a few independent agents to get the best comparison. Most can insure with small regional insurance companies which may have better rates.
The following is a short list of independent insurance agencies in Mesa willing to provide rate quotes.
- Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 – View Map
- Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
- Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418 – View Map
Insuring your Audi TT RS just makes sense
Despite the high insurance cost for a Audi TT RS in Mesa, maintaining insurance may be required for several reasons.
- Most states have mandatory liability insurance requirements which means the state requires a specific level of liability protection 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.
- If you have a lien on your Audi, almost every bank will require that you have full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank or lender will purchase a policy for your Audi at a much higher premium rate and force you to reimburse them much more than you were paying before.
- Insurance preserves both your Audi and your assets. Insurance will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your Audi gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your TT RS outweigh the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $800 each year so smart consumers compare quotes at every policy renewal to ensure rates are competitive.
Specific coverage details
Learning about specific coverages of insurance aids in choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.
This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (which is 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like a broken windshield, hitting a deer, fire damage and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like rolling your car, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your TT RS to get cheaper collision coverage.
Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/10 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability insurance covers claims like emergency aid, medical expenses, bail bonds, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.
The next chart demonstrates why buying low liability limits may not provide adequate coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for chiropractic care, pain medications, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Mesa auto insurance company ratings
Finding a good quality insurer is hard considering how many choices you have in Arizona. The ranking information in the lists below can help you analyze which coverage providers to look at putting your business with.
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
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%
Be persistent to save money
Consumers leave their current company for a variety of reasons including questionable increases in premium, poor customer service, unfair underwriting practices and even policy cancellation. It doesn’t matter why you want to switch finding a new insurance company is actually quite simple.
When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where drivers have reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
Some insurance providers do not offer rates over the internet and most of the time these smaller companies only sell coverage through independent agencies. Lower-priced insurance in Mesa can be found from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection.
Much more information about insurance in Arizona can be read at the links below
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
- How Much are Mesa Auto Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has Affordable Mesa Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Company Car in Mesa? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Should I Buy a New or Used Car? (Allstate)
- Auto Theft Statistics (Insurance Information Institute)
- Red Light Cameras (State Farm)