The most effective way to get affordable auto insurance rates is to compare prices at least once a year from insurance carriers who provide car insurance in Mesa. This can be done by completing these steps.
First, try to learn about how insurance works and the factors you can control to prevent expensive coverage. Many things that cause high rates such as traffic tickets, fender benders, and a poor credit rating can be amended by paying attention to minor details. This article provides more ideas to get cheaper rates and find additional discounts you may qualify for.
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 GEICO and Allstate, while independent agencies can give you price quotes from multiple companies. Find a Mesa insurance agent
Third, compare the new rates to your current policy premium to determine if switching companies saves money. If you find a better price and change companies, make sure there is no coverage gap between policies.
Fourth, provide notification to your current agent or company to cancel your current coverage and submit a down payment along with a completed application to your new insurance company. Immediately put the certificate of insurance in your vehicle.
A valuable tip to remember is to try to use similar limits and deductibles on each quote and and to get rate quotes from as many companies as possible. This enables the most accurate price comparison and a better comparison of the market.
It’s safe to assume that insurance companies want to keep you from shopping around. Consumers who shop around for the cheapest price will presumably buy a different policy because they stand a good chance of finding good coverage at a lower price. A recent survey found that consumers who regularly compared rates saved an average of $70 a month compared to those who never compared other company’s rates.
If finding budget-friendly rates on auto insurance in Mesa is your objective, then having an understanding of the best ways to shop for insurance can save time, money, and frustration.
Which Chrysler Aspen insurance is cheapest in Mesa?
Reducing your insurance rates is not a difficult process. The only requirement is to spend a little time comparing rates from some recommended companies.
The companies shown below provide free quotes in Mesa, AZ. 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 find the most competitive rates.
Why you need vehicle insurance in Arizona
Despite the high cost of buying insurance for a Chrysler Aspen in Mesa, buying car insurance is required in Arizona but it also protects you in many ways.
First, almost all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability in order to license the 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.
Second, if you have a lien on your Chrysler Aspen, most banks will force you to have full coverage to protect their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Chrysler at a significantly higher premium and require you to pay for the much more expensive policy.
Third, car insurance preserves not only your car but also your assets. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you have damage to your Chrysler as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly for liability claims. But the average driver in Arizona is overpaying over $750 every year so it’s very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.
Insurance policy discounts for Chrysler Aspen insurance in Mesa
Companies that sell car insurance don’t list their entire list of discounts very well, so the following is a list of a few of the more common as well as the least known credits available to lower your premiums when you buy Mesa auto insurance online.
- Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
- Discount for New Cars – Putting insurance coverage on a new Aspen is cheaper because new vehicles are generally safer.
- Telematics Discount – Mesa drivers who agree to allow driving data collection to scrutinize driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
- Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off depending on your company.
- Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
- Discounts for Good Drivers – Safe drivers can save as much as half off their rates than drivers with accident claims.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.
To see insurance companies that offer many of these discounts in Arizona, click here.
Auto insurance agents can help
Certain consumers just want to get advice from a local agent and that can be a smart move Professional agents can help you build your policy and give you someone to call. A nice benefit of comparing rate quotes online is you can get cheap auto insurance quotes and still have a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to agents in your area who will gladly provide quotes for your business. There is no reason to drive around since rate quotes are delivered to you. If you wish to get a comparison quote from a specific auto insurance provider, don’t hesitate to navigate to their website and submit a quote form there.
Finding a good provider needs to be determined by more than just a cheap price. Any good agent in Mesa should know the answers to these questions.
- Does the company have a local claim office in Mesa?
- Which members of your family are coverage by the policy?
- How much will you save each year by using a higher deductible?
- Will high miles depreciate repair valuations?
- How are claims handled?
- Are they paid to recommend certain coverages?
- Are there any hidden costs in their price quote and does it include driving and credit history?
When researching a good insurance agency, you need to know there are two different types of agents and how they differ in how they quote coverages. Mesa agents may be either independent or exclusive depending on the company they work for. Both can properly insure your vehicles, but it’s important to point out the subtle differences since it may influence your selection of an agent.
Exclusive Auto Insurance Agencies
These type of agents can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Many people buy from the same agent for years partially due to loyalty to the company and strong financial ratings.
Below is a list of exclusive agents in Mesa that are able to give price quotes.
- Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map
- Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map
- Vandy Ford – State Farm Insurance Agent
6938 E Parkway Norte #2 – Mesa, AZ 85212 – (480) 497-3933 – View Map
Independent Insurance Agents
These agents are not employed by one company and that is an advantage because they can write policies with lots of companies and get the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and you stay with the same agent. If you need lower rates, it’s recommended you include rate quotes from a few independent agents for the best price selection. Many write coverage with companies that do not advertise much which could offer lower prices.
Shown below are independent insurance agents in Mesa who can help you get price quote information.
- Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map
- Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map
- Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001 – View Map
Best auto insurance in Arizona
Finding the best auto insurance company can be challenging considering how many companies there are to choose from in Arizona. The company information listed below may help you choose which providers to look at to insure your vehicles.
Top 10 Mesa Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Auto insurance coverage basics
Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like hospital visits, nursing services, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible
Liability insurance – This coverage will cover injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 15/30/10 which stand for $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $10,000.
Liability coverage protects against claims such as pain and suffering, medical expenses and loss of income. How much coverage you buy is your choice, but you should buy as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying higher limits.
The illustration below demonstrates why low liability limits may not be enough.
Collision coverage – Collision coverage will pay to fix damage to your Aspen caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims such as colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible on your Aspen to get cheaper collision coverage.
Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like a broken windshield, fire damage, hitting a deer and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chrysler Aspen.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Smart shoppers get results
Lower-priced auto insurance in Mesa is definitely available on the web in addition to many Mesa insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and usually these small, regional companies sell through local independent agencies.
Drivers leave their current company for many reasons like poor customer service, policy non-renewal, delays in responding to claim requests or not issuing a premium refund. Regardless of your reason, choosing a new company is not as difficult as it may seem.
We just presented a lot of ways to find cheaper Chrysler Aspen insurance in Mesa. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the most savings is with some of the smallest insurance companies.
More learning opportunities
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Rates for Low Mileage Drivers? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
- How Much are Auto Insurance Rates for a GMC Sierra in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance for Drivers Under 21? (FAQ)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)