Best Ways to Save on Mesa Toyota Matrix Insurance

The preferred way to find cheaper prices for auto insurance rates in Mesa is to do an annual price comparison from insurance carriers who sell auto insurance in Arizona.

A key point to remember is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote and and to get price estimates from as many different insurance providers as possible. This guarantees an accurate price comparison and a better comparison of the market.

Insurance for Toyota MatrixInconceivable but true, nearly 70% of customers have purchased from the same company for at least four years, and nearly half have never compared rate quotes at all. With the average premium in the United States being $1,847, drivers could save themselves nearly $860 a year by just comparing quotes, but they just don’t understand the large savings they would see if they switched to a more affordable policy.

How to shop Toyota Matrix insurance online

When comparing auto insurance rates, know that quoting more gives you a better chance of getting better pricing. Not every company provides Mesa Matrix insurance quotes online, so you should also compare prices on coverage from those companies, too.

The companies shown below offer price comparisons in Mesa, AZ. If you wish to find the best auto insurance in Arizona, we recommend you click on several of them to get the best price comparison.

Lower rate quotes with discounts

Auto insurance is not an enjoyable expense, but you may find discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but some may not be applied and must be asked about before they will apply.Discount auto insurance

Keep in mind that most discounts do not apply to the entire cost. Most cut individual premiums such as medical payments or collision. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

The diagram below shows the comparison of Toyota Matrix car insurance costs with and without policy discounts. The data is based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, multi-car, and homeowner discounts applied.

To see insurers that offer many of these discounts in Arizona, follow this link.

Coverage statistics and figures

The data table displayed below outlines detailed analysis of coverage costs for Toyota Matrix models. Knowing how insurance policy rates are determined can assist in making smart policy decisions.

Toyota Matrix Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Matrix 2WD $194 $456 $338 $20 $102 $1,110 $93
Matrix S 2WD $222 $538 $338 $20 $102 $1,220 $102
Matrix S AWD $222 $538 $338 $20 $102 $1,220 $102
Matrix XRS 2WD $222 $538 $338 $20 $102 $1,220 $102
Get Your Own Custom Quote Go

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can decrease or increase price quotes considerably.

Policy deductible comparison

One common question asked by Mesa drivers is the level to set your comp and collision deductibles. The rates shown below may help to conceptualize how much more rates are between low and high comp and collision deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Toyota Matrix insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Matrix 2WD $202 $390 $300 $18 $90 $1,025 $85
Matrix S 2WD $232 $460 $300 $18 $90 $1,125 $94
Matrix S AWD $232 $460 $300 $18 $90 $1,125 $94
Matrix XRS 2WD $232 $460 $300 $18 $90 $1,125 $94
Get Your Own Custom Quote Go

Toyota Matrix insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Matrix 2WD $164 $314 $300 $18 $90 $886 $74
Matrix S 2WD $188 $370 $300 $18 $90 $966 $81
Matrix S AWD $188 $370 $300 $18 $90 $966 $81
Matrix XRS 2WD $188 $370 $300 $18 $90 $966 $81
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can influence price quotes substantially.

Based on these figures, using a $250 deductible would cost the average driver about $13 more each month or $156 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claim filings, you would probably be better off if you choose the higher deductible.

How Insurance Companies Determine Toyota Matrix Insurance Prices

Consumers need to have an understanding of some of the elements that help calculate the rates you pay for insurance. When consumers understand what determines premiums, this enables you to make decisions that can help you get lower insurance prices. Many things are taken into consideration when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other factors are less obvious like your continuous coverage or how financially stable you are.

Are insurance agencies used anymore?

A small number of people would prefer to sit down with an agent and doing that can be a smart decision One of the benefits of getting online price quotes is that drivers can save money and get lower rates and still have a local agent. And providing support for local insurance agencies is especially important in Mesa.

Insurance agency in MesaAfter filling out this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Mesa who will give you bids for your car insurance coverage. You won’t even need to search for an agent because prices are sent to your email. It’s the lowest rates AND a local agent. If you have a need to get a rate quote from a specific car insurance provider, you can always navigate to their website to submit a rate quote request.

The following are agents in Mesa who can help you get price quote information for Toyota Matrix insurance in Mesa.

6550 E Main StMesa, AZ 85205(480) 832-8370View Map

7165 E University Dr #170Mesa, AZ 85207(480) 921-3400View Map

830 W Southern Ave #10Mesa, AZ 85210(480) 844-1555View Map

4545 E Southern Ave #106Mesa, AZ 85206(480) 626-0797View Map

View more Mesa agents

Deciding on an provider requires more thought than just the premium amount. A good agent in Mesa will have answers to these questions.

If you get satisfactory answers to these questions and an acceptable price quote, you may have found an insurance company that is a good match to properly service your car insurance policy.

Best car insurance company in Mesa

Insuring your vehicle with a good quality company can be rather challenging considering how many different companies insure vehicles in Arizona. The company ratings shown below may help you select which auto insurance companies you want to consider comparing prices from.

Top 10 Mesa Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Mesa Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

You can find cheap coverage

Throughout this article, we presented a lot of techniques to shop for Toyota Matrix insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting inexpensive Mesa auto insurance quotes. Consumers could even find that the best rates are with a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

When searching for affordable Toyota Matrix insurance quotes, you should never buy less coverage just to save a little money. In too many instances, an insured dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the lowest possible cost.

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