Best Ways to Save on Mesa, AZ Auto Insurance

It’s a fact that car insurance companies don’t want their policyholders to compare prices. Insureds who get comparison quotes once a year are highly likely to buy a different policy because there is a great chance of finding a more affordable policy. A recent survey discovered that drivers who compared prices regularly saved over $865 a year compared to other drivers who didn’t regularly shop around.

If finding the cheapest price for car insurance is why you’re reading this, then understanding how to quote prices and compare insurance coverage can save time and make the process easier.

Really, the only way to find affordable car insurance rates in Mesa is to compare prices regularly from providers that insure vehicles in Arizona.

First, learn about individual coverages and the factors you can control to keep rates down. Many rating factors that are responsible for high rates like accidents, traffic tickets, and poor credit rating can be improved by making minor driving habit or lifestyle changes.

Second, get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of companies.

Third, compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, make sure coverage is continuous and does not lapse.

Fourth, provide proper notification to your current company of your intent to cancel the current policy and submit a completed application and payment to your new carrier. Immediately keep your new certificate verifying proof of insurance in an easily accessible location.

A tip to remember is to try to compare similar deductibles and liability limits on each quote and and to get rates from as many auto insurance providers as possible. This ensures an accurate price comparison and maximum price selection.

Getting a more affordable price on insurance is surprisingly easy. The only requirement is to take a couple of minutes comparing rates online from several insurance companies.

The car insurance companies shown below offer price comparisons in Mesa, AZ. To find cheap auto insurance in Mesa, AZ, we recommend you visit two to three different companies to get the best price comparison.

Auto Insurance Rates for Popular Vehicles in Mesa
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 4WD $1,048 $524 $87
Dodge Ram Crew Cab Laramie 4WD $1,106 $553 $92
Ford Escape XLT 2WD $760 $380 $63
Ford F-150 Lariat King Ranch 4WD $994 $497 $83
Ford Focus S 4-Dr Sedan $876 $438 $73
GMC Sierra SLE Regular Cab 2WD $896 $448 $75
Honda Accord LX-S 2-Dr Coupe $1,010 $505 $84
Honda CR-V EX 4WD $780 $390 $65
Honda Civic DX 4-Dr Sedan $876 $438 $73
Hyundai Elantra GLS 4-Dr Sedan $952 $476 $79
Hyundai Sonata SE 4-Dr Sedan $1,010 $505 $84
Kia Optima EX $1,030 $515 $86
Nissan Altima 3.5 SR 4-Dr Sedan $972 $486 $81
Toyota Camry SE $952 $476 $79
Toyota Corolla XRS $972 $486 $81
Toyota Tacoma Double Cab 4WD $916 $458 $76
Get Rate Quotes for Your Vehicle Go

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle location which can influence price quotes greatly.

Buying the right vehicle insurance in Arizona is an important decision

Even though it can be expensive, maintaining insurance may be required for several reasons.

The benefits of insuring your car definitely exceed the price paid, particularly when you have a large claim. An average driver in America is wasting up to $865 each year so you should quote rates at every renewal to help ensure money is not being wasted.

Do you qualify for discounts on car insurance?

The price of auto insurance can be rather high, but there’s a good chance there are discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some may not be applied and must be manually applied in order for you to get them.Discount car insurance

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Some of the insurance companies that may offer some of the discounts shown above may include but are not limited to:

Double check with each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your area. If you would like to choose from a list of providers offering car insurance discounts in Mesa, click this link.

Compare prices but still have a local Mesa insurance agent

Some people just want to have an agent’s advice and doing so can bring peace of mind Good agents can help you choose the best coverages and help in the event of a claim. A nice benefit of price shopping on the web is that you can find cheap rate quotes and still have a local agent. And buying from neighborhood agents is definitely important in Mesa.

Once you complete this simple form, your information is instantly submitted to local insurance agents who will return price quotes and help you find cheaper coverage. You don’t have to drive around since rate quotes are delivered immediately to you. In the event you want to get a price quote from a specific insurance company, you just need to jump over to their website and submit a quote form there.

Mesa car insurance agents come in two flavors

If you’re trying to find a local agent, it’s important to understand the different agency structures and how they can quote your rates. Agents can be described as either exclusive or independent (non-exclusive). Either one can handle car insurance, but it’s important to know why they differ because it can influence which type of agent you select.

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by any specific company so they can write business with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to do anything. If you need cheaper car insurance rates, you absolutely need to get rate quotes from a couple of independent agencies to get the best comparison. A lot of them also have access to small mutual carriers which may provide better rates.

Below is a list of independent agents in Mesa that can possibly get you price quote information.

More insurance agents

Exclusive Car Insurance Agents

These agents can only place business with one company and examples are American Family, State Farm, and Allstate. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are highly trained in insurance sales which helps them compete with independent agents. Drivers often use the same agent partially due to loyalty to the company and the convenience of having all coverages with one company.

The following are exclusive insurance agents in Mesa that can give you price quotes.

More insurance agents

Choosing the best insurance agency should depend on more than just the price. The following questions are important to ask.

If you feel you receive acceptable answers to your questions and a good coverage price, you may have found an insurance agent that is reputable and can service your policy.

Which auto insurance company is best in Mesa?

Insuring your vehicle with a high-quality car insurance company can be a challenge considering how many different companies there are to choose from in Mesa. The ranking data displayed below may help you choose which auto insurance companies to look at when looking for cheaper rates.

Top Auto Insurance Companies in Mesa
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: Best Car Insurance Companies

Affordable car insurance rates are possible

Insureds switch companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, unfair underwriting practices and even policy cancellation. No matter why you want to switch, finding a great new company is easier than you think.

Some car insurance companies may not provide rate quotes online and these smaller providers only sell coverage through independent agents. Lower-priced car insurance in Mesa can be purchased on the web and also from your neighborhood Mesa agents, and you should compare rates from both in order to have the best price selection to choose from.

We just covered quite a bit of information on how to shop for car insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap Mesa car insurance quotes. You may even find the biggest savings come from a smaller regional carrier.

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