For teachers and educators, one of the more important components that aid in calculating the price you pay for insurance is where you live. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas less populated areas have the enjoyment of a little cheaper coverage.
The illustration below rates the most expensive places in Arizona for teachers to purchase car insurance in. Mesa is listed at #10 with an annual cost of $1,125 for car insurance, which is around $94 each month.
|Rank||City||Average Per Year|
|3||San Tan Valley||$1,185|
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Information shown are comparative as the specific geographic location can modify rates considerably.
Finding low-cost car insurance is not the easiest thing to do, and finding out which company quotes the cheapest car insurance rates for teachers takes even more shopping around.
Each insurance company uses their own formula to determine premium rates, so first we will examine the car insurance companies with the most affordable rates in Mesa, AZ. It’s a good idea to know that Mesa car insurance rates are based on many factors that will increase or decrease the price you pay for coverage. This price variability is why it is critical to perform an extensive rate comparison when trying to get the most economical insurance rates for teachers. Insurance prices consist of many risk factors and can change substantially, so the most economical company two years ago may now be quite expensive.
Best Car Insurance Prices for Educators
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford may have some of the lowest car insurance rates in Mesa at around $811 per year. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the lowest-priced Mesa, AZ car insurance companies.
As shown in the table above, if you are a customer of Travelers and switched to The Hartford, you could see annual savings of roughly $264. Policyholders with USAA may save as much as $269 a year, and Progressive insureds might lower prices by $319 a year.
It’s important to note that these policy rates are averaged for all ages of drivers and types of vehicles and and are not figured with an exact zip code location for teachers. So the auto insurance company that is best suited for you may not even be in the top 28 companies in the list above. That’s why you need to get auto insurance quotes using your own specific driver and vehicle information.
The car, truck, or SUV requiring insurance is a large factor that determines whether or not you find the best auto insurance for teachers. Vehicles with more horsepower, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The list below shows car insurance costs for a selection of the more affordable automobiles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,343|
|Hyundai Elantra GLS Touring Station Wagon||$1,348|
|Honda Accord LX-P 4-Dr Sedan||$1,471|
|Ford Edge SE 2WD||$1,476|
|Honda CR-V EX-L 4WD||$1,505|
|Ford Explorer XLT 2WD||$1,508|
|Ford F-150 XL Regular Cab 2WD||$1,515|
|Chevrolet Impala LTZ||$1,680|
|Toyota Tacoma 2WD||$1,709|
|Ford Fusion SE 4-Dr Sedan||$1,718|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,711|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,740|
|Chevrolet Malibu Hybrid||$1,743|
|Chevrolet Silverado LS Extended Cab 4WD||$1,751|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Information does not factor in your specific Mesa, AZ location which can modify auto insurance rates noticeably.
By looking at the data, you can infer that cars like the Ford Escape, Hyundai Elantra, and Honda Accord are a few of the most budget-friendly vehicles to insure for teachers and educators.
Arizona car insurance companies
Ending up with a highly-rated car insurance company is hard considering how many different companies insure vehicles in Arizona. The company rank data shown below could help you decide which companies you want to consider shopping prices with. The ratings below only include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not factored into these rankings.
Top 10 Large Car Insurance Companies in Mesa 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%
Top 10 Large Car Insurance Companies in Mesa Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Liability rates compared to full coverage
Saving money on car insurance is probably important to the majority of vehicle owners, and one of the easiest ways to buy cheaper insurance for teachers is to only buy liability insurance. The example below visualizes the comparison of insurance prices with full coverage and liability only. The rates are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are taken into consideration.
If averaged out across all ages, physical damage insurance costs an additional $1,551 per year more than just insuring for liability. That is a large expense which might make you wonder if paying for full coverage is worth it. There is no set guideline for excluding comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
There are some conditions where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
Here’s why price comparisons are so important
Mesa, AZ car insurance rates are impacted by many factors that may substantially change the price you have to pay. Simply improving your credit, having a teen driver, or getting into an accident can trigger price changes that can now make some companies more affordable than others. Not only may your risk profile change, but car insurance companies file new Arizona car insurance rates as needed in order to protect their financial rating. Higher than usual claims can result in price increases, while lower claim levels may result in cheaper Mesa car insurance rates.
For example, the chart below shows the companies that have the cheapest car insurance in Mesa, AZ for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on his personal profile, The Hartford might quote the lowest car insurance rates in Mesa at $1,092 annually. This is $336 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Progressive, and Travelers are the remainder of the most affordable Mesa, AZ auto insurance companies.
The example below compares rates after we give the driver in the first example some claims, slightly worse credit, and a few blemishes on his driving record. Because each insurer has their own process to set premium rates, comparing prices will most likely result in a new list of companies as shown below.
GEICO now has the best price in Mesa with Ameriprise Group, Allied, Safeco, and CSAA now rounding out the top five. This example proves why it is critical to perform a complete rate comparison to find the lowest auto insurance quotes for teachers.
Auto insurance prices are calculated by many factors and change dramatically, so the cheapest option when you bought your policy may now be quite expensive.