The easiest way to find cheaper auto insurance rates is to start comparing rates regularly from companies who provide auto insurance in Mesa. You can compare prices by following these steps.
- Gain an understanding of the coverage provided by your policy and the changes you can make to lower rates. Many policy risk factors that result in higher prices such as high-risk driving behaviors and a not-so-good credit score can be eliminated by making minor changes in your lifestyle.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while independent agents can quote prices for many different companies.
- Compare the new quotes to your existing rates to see if cheaper IS 200t coverage is available. If you find a better price, ensure coverage does not lapse between policies.
- Notify your current company of your intent to cancel your current coverage. Submit a completed policy application and payment to the new company. Be sure to safely store the proof of insurance paperwork in your glove compartment.
A crucial key to this process is to try to compare identical limits and deductibles on each quote and and to look at every insurance company. This provides an apples-to-apples comparison and a complete rate analysis.
It’s well known that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who compare rates at least once a year are inclined to buy a different policy because the odds are good of finding better rates. Surprisingly, a recent survey revealed that people who routinely compared rates saved an average of $865 a year compared to people who never shopped around for lower prices.
If finding the lowest price for insurance is why you’re here, then having an understanding of how to find and compare insurance coverage can help make the process easier and more efficient.
Cheap car insurance in Mesa, AZ
The providers in the list below have been selected to offer price comparisons in Arizona. If multiple companies are listed, it’s a good idea that you visit two to three different companies in order to find the most affordable rates.
Auto insurance discounts help lower rates for Lexus IS 200t insurance in Mesa
Insurance can be prohibitively expensive, but there’s a good chance there are discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but once in a while a discount must be requested specifically in order for you to get them.
- Passive Restraint Discount – Options like air bags could see savings of 20% or more.
- Senior Citizen Discount – If you’re over the age of 55, you may be able to get better auto insurance rates.
- Good Student Discount – Being a good student may save as much as 25% on a Mesa auto insurance quote. This discount can apply until age 25.
- New Vehicle Savings – Insuring a vehicle that is new is cheaper because newer models are generally safer.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
- Mesa Homeowners Discount – Owning a house in Mesa may trigger a policy discount on auto insurance since owning and maintaining a home means you have a higher level of financial diligence.
- Membership in Organizations – Being a member of a qualifying organization may earn a discount when shopping for auto insurance.
- Claim Free – Insureds who avoid accidents and claims get the best auto insurance rates in comparison to drivers with a long claim history.
Policy discounts save money, but many deductions do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though it appears all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will definitely lower the cost of coverage.
A list of auto insurance companies and some of the discounts are:
- GEICO offers discounts for driver training, multi-policy, membership and employees, five-year accident-free, daytime running lights, defensive driver, and good student.
- MetLife may include discounts for accident-free, claim-free, good student, multi-policy, defensive driver, good driver
- Progressive includes discounts for multi-policy, online signing, online quote discount, continuous coverage, good student, multi-vehicle, and homeowner.
- Travelers offers discounts including multi-car, early quote, driver training, multi-policy, new car, and home ownership.
- SAFECO discounts include teen safe driver, anti-theft, accident prevention training, anti-lock brakes, multi-car, drive less, and teen safety rewards.
- AAA may offer discounts for education and occupation, good student, pay-in-full, anti-theft, multi-policy, multi-car, and good driver.
Before you buy a policy, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your state.
Get More Affordable Auto Insurance with These Tips
Multiple criteria are used in the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are more obscure like your continuous coverage and annual miles driven. Part of the auto insurance buying process is learning the rating factors that come into play when calculating the level of your policy premiums. If you understand what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels.
Listed below are a partial list of the pieces used by your company to calculate prices.
Gender matters – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. They both get in fender benders in similar percentages, but the males have accidents that have higher claims. Men also have more aggressive citations like reckless driving and DUI.
Employer and insurance rates – Careers like military personnel, architects, and dentists have higher rates than average in part from intense work-related stress and extremely grueling work hours. Conversely, careers like actors, students and retirees pay the least.
If you don’t need it don’t buy it – Policies have additional coverages that sound like a good idea at the time if you aren’t diligent. Add-on coverages like coverage for rental cars, towing coverage, and membership fees are examples of these. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
Expect high rates for teens – Drivers with little experience are proven to be careless and easily distracted when driving with friends therefore auto insurance rates are much higher. Adding a teen driver onto your auto insurance can cause a big jump in price. Older drivers tend to be more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.
Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles have better occupant injury protection and fewer injuries means lower claim amounts and cheaper rates on your policy.
Lower performance equals lower insurance costs – The type of vehicle you are insuring makes a significant difference in your rates. Economy passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
Policy lapses raise auto insurance rates – Driving any period of time without insurance can get your license suspended and your next policy will cost more because you let your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance might get you a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Arizona motor vehicle department.
How do annual miles impact costs? – The more you drive each year the higher your rate. Most companies price each vehicle’s coverage partially by how you use the vehicle. Autos that have low annual miles get more affordable rates compared to those used for work or business. It’s a good idea to make sure your auto insurance coverage properly reflects the proper vehicle usage. Improper usage on your IS 200t may be costing you higher rates.
Local Mesa insurance agencies
A small number of people prefer to sit down with an agent and that can be a smart move The biggest benefit of comparing rates online is that drivers can save money and get cheap car insurance rates and still have a local agent. Buying from neighborhood insurance agencies is important particularly in Mesa.
Upon completion of this quick form, your information is submitted to local insurance agents in Mesa that provide free Mesa auto insurance quotes for your car insurance coverage. You never need to contact any insurance agencies since rate quotes are delivered directly to you. You can find the lowest rates and an insurance agent to talk to. In the event you want to compare rates from one company in particular, you would need to find their quoting web page and submit a quote form there.
Choosing an provider is decision based upon more than just the quoted price. Any good agent in Mesa should know the answers to these questions.
- How long has their agency been open in Mesa?
- Do they get extra compensation for selling add-on coverages?
- Which family members are covered?
- If you are a high risk driver, do they have special markets for your coverage?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
If you feel you receive reasonable responses for all questions you ask and a low price estimate, chances are good that you have found a company that meets the requirements to properly service your car insurance policy. But remember, you can always cancel your coverage any time you want so don’t feel you’re contractually obligated to a policy for the full term.
Which car insurance company is best in Arizona?
Choosing the highest-rated car insurance company is difficult considering how many different companies insure vehicles in Arizona. The company ratings displayed below can help you decide which car insurance providers you want to consider when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
In conclusion
People switch companies for a number of reasons such as policy non-renewal, lack of trust in their agent, policy cancellation and questionable increases in premium. Regardless of your reason, finding a great new company is not as difficult as it may seem.
You just read a lot of ways to find cheaper Lexus IS 200t insurance in Mesa. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even be surprised to find that the lowest premium rates come from a small local company.
As you quote Mesa auto insurance, it’s not a good idea to reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at a price you can afford, but do not skimp to save money.
For more information, feel free to browse the following helpful articles:
- Safety Features for Your New Car (State Farm)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a School Permit in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance for High Risk Drivers in Mesa? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Property Damage Coverage (Liberty Mutual)