Really, the only way to get the cheapest car insurance rates in Mesa is to compare quotes once a year from insurers in Arizona. Drivers can shop around by completing these steps.
- First, learn about coverages and the factors you can control to prevent high rates. Many factors that increase rates like speeding and an unacceptable credit rating can be controlled by making lifestyle changes or driving safer. Continue reading for more information to help keep prices low and find discounts that you may qualify for.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agencies can give you price quotes from many different companies.
- Third, compare the quotes to your current policy and see if you can save money. If you find better rates and make a switch, verify that coverage does not lapse between policies.
- Fourth, tell your current company of your intention to cancel your existing policy and submit the signed application along with the required initial payment for your new policy. Once coverage is bound, keep the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
A tip to remember is to use identical limits and deductibles on each price quote and and to look at all possible companies. This enables an apples-to-apples comparison and a complete price analysis.
It’s safe to conclude that auto insurance companies want to keep your business as long as possible. People who shop around at least once a year are likely to buy a different policy because of the high probability of finding lower rate quotes. A recent survey revealed that drivers who compared prices once a year saved an average of $865 annually compared to those who never compared other company’s rates.
If finding budget-friendly Toyota Sequoia insurance in Mesa is your goal, then having some insight into how to get free comparison quotes and analyze insurance coverage can save time and make the process easier.
The fastest way that we advise to compare insurance rates in your area is to know most of the bigger providers participate in a system to give rate comparisons. To begin a comparison, all you need to do is take a few minutes to give details such as the type of vehicles you drive, if the vehicle is leased, whether you are married, and your general credit rating. Your information is instantly provided to multiple car insurance providers and you should receive rate quotes within a short period of time.
To start a rate quote now, click here then complete the form.
The companies shown below are our best choices to provide price comparisons in Mesa, AZ. If your goal is to find cheap car insurance in Mesa, AZ, it’s highly recommended you visit several of them in order to find the most affordable rates.
Cheaper Toyota Sequoia insurance in Mesa
Car insurance is not inexpensive, but there could be significant discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but some may not be applied and must be manually applied before you get the savings.
- Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
- Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
- Driver Education Discount – It’s a good idea to have your young drivers successfully take a driver’s education course in high school.
- Telematics Data – Mesa drivers who agree to allow driving data submission to spy on driving manner by using a telematic data system such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Mesa car insurance quote.
Don’t be surprised that most credits do not apply to the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will help lower the amount you have to pay.
The information below shows the comparison of Toyota Sequoia annual premium costs with and without discounts. The information is based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, multi-policy, and safe-driver discounts applied.
Companies and the discounts they provide can be found below.
- Farmers Insurance has discounts for mature driver, bundle discounts, business and professional, teen driver, and alternative fuel.
- Esurance may offer discounts for paid-in-full, good driver, safety device, online shopper, defensive driver, and homeowner.
- State Farm offers discounts including passive restraint, driver’s education, safe vehicle, Drive Safe & Save, and student away at school.
- GEICO includes discounts for anti-lock brakes, defensive driver, anti-theft, air bags, federal employee, emergency military deployment, and seat belt use.
- Allstate offers premium reductions for FullPay discount, resident student, economy car, teenSMART discount, good student, and early signing.
Before purchasing a policy, check with every company which discounts you qualify for. Some of the discounts discussed earlier may not be available in your state. If you would like to choose from a list of insurers with the best Toyota Sequoia insurance discounts in Arizona, click here to view.
Toyota Sequoia insurance coverage information
The premium table shown below highlights different insurance premium costs for Toyota Sequoia models. Learning as much as possible about how rates are calculated is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $124 | $204 | $282 | $16 | $84 | $710 | $59 |
| Sequoia SR/5 4WD | $124 | $240 | $282 | $16 | $84 | $746 | $62 |
| Sequoia Limited 2WD | $138 | $240 | $282 | $16 | $84 | $760 | $63 |
| Sequoia Limited 4WD | $138 | $240 | $282 | $16 | $84 | $760 | $63 |
| Sequoia Platinum 2WD | $138 | $276 | $282 | $16 | $84 | $796 | $66 |
| Sequoia Platinum 4WD | $138 | $276 | $282 | $16 | $84 | $796 | $66 |
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in Mesa location which can change prices considerably.
The diagram below highlights how deductible selection and can impact Toyota Sequoia annual premium costs for each age group. The rates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
Impact of citations and accidents on insurance rates
The diagram below highlights how speeding tickets and at-fault collisions drive up Toyota Sequoia auto insurance rates for different age groups of insureds. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Age-based car insurance rates by gender
The illustration below illustrates the comparison of Toyota Sequoia car insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Auto insurance is available from agents near you
Some people would prefer to sit down and talk to an agent and often times that is recommended Most agents can answer important questions and will help you if you have claims. The biggest benefit of comparing rates online is that you can obtain lower premium rates and still choose a local agent.
After completing this short form, your insurance coverage information is transmitted to companies in Mesa who want to provide quotes for your coverage. You won’t even need to contact an agency since price quotes are sent to the email address you provide. If you have a need to get a comparison quote from a specific company, just go to their quote page and fill out their quote form.
Finding a good provider shouldn’t rely on just a low price. The answers to these questions are important, too.
- If you raise deductibles, how much can you save?
- Are all drivers listed on the coverage quote?
- Do the agents have professional certifications like CPCU or CIC?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are they able to influence company decisions when a claim is filed?
How to choose the best car insurance agent in Mesa
When searching for a good insurance agency, it’s helpful to know the different types of agents that differ in how they can insure your vehicles. Agents in Mesa may be either independent or exclusive. Either type can sell and service auto insurance coverage, but it’s a good idea to understand the subtle differences because it can factor into buying decisions.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive are contracted to one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets.
Shown below are exclusive agents in Mesa that can give you price quotes.
Phil Borgia – State Farm Insurance Agent
1635 N Greenfield Rd #1 – Mesa, AZ 85205 – (480) 981-8681 – View Map
Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 – View Map
Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map
Independent Auto Insurance Agents
These type of agents do not sell for just one brand so they can insure your vehicles with many different companies and potentially find a lower price. If you want to switch companies, they simply move your policy to a different company which requires no work on your part.
When shopping rates, it’s a good idea to include independent agents for maximum quote selection.
The following are independent agents in Mesa that are able to give comparison quotes.
Wilson Insurance
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400 – View Map
Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map
Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map
If you receive good feedback for all questions you ask and inexpensive Toyota Sequoia insurance in Mesa quotes, it’s a good possibility that you have found a car insurance agent that can be trusted to properly insure your vehicles. Just be aware that policyholders can cancel a policy whenever you want so never assume that you are obligated to a policy for any length of time.
How to Lower Your Insurance Rates
Part of the car insurance buying process is learning a few of the rating criteria that are used to determine your policy premiums. When consumers understand what determines premiums, this helps enable you to make changes that can earn you lower car insurance prices. Lots of things are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but some are not as apparent like your continuous coverage or your financial responsibility.
Listed below are just a few of the factors car insurance companies consider when setting premiums.
Multiple policies with one company can save – The majority of companies apply discounts to buyers that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still check prices from other companies to verify if the discount is saving money.
Annual mileage impacts rates – The more you drive each year the more it will cost to insure it. Most insurance companies charge rates based on how the vehicle is used. Vehicles that have low annual miles can be on a lower rate level than vehicles that have high annual mileage. Improper usage on your Sequoia can cost quite a bit. Ask your agent if your car insurance coverage states the correct driver usage.
Eliminate unneeded extra policy coverages – Insurance companies have many extra coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like roadside assistance, towing coverage, and additional equipment coverage are probably not needed. These coverages may sound good when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
When should you file insurance claims? – If you file claims often, you can look forward to either higher rates or even cancellation. Companies in Arizona award better rates to drivers who are not frequent claim filers. Auto insurance is designed for claims that pose a financial burden.
Toyota Sequoia claim data – Insurance companies analyze the history of losses to help calculate a profitable premium price. Models that statistically have higher claim amounts or frequency will have a higher cost to insure. The table below outlines the insurance loss data for Toyota Sequoia vehicles.
For each coverage category, the loss probability for all vehicles as a whole is a value of 100. Numbers shown that are under 100 indicate a favorable loss history, while numbers above 100 point to more claims or statistically larger losses.
| Specific Toyota Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Sequoia 4dr 2WD | 70 | 103 | 80 | 57 | ||
| Toyota Sequoia 4dr 4WD | 82 | 115 | 96 | 57 | 50 | 77 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Why car insurance is not optional
Even though it’s not necessarily cheap to insure a Toyota in Mesa, buying car insurance is mandatory in Arizona but it also protects more than you think.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. 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 your Toyota Sequoia has a lienholder, most banks will make it mandatory that you have full coverage to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your Toyota at an extremely high rate and require you to fork over for the much more expensive policy.
Third, insurance safeguards both your assets and your car. It will also provide coverage for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. The average driver in Arizona overpays more than $825 a year so it’s very important to do a rate comparison at every policy renewal to ensure rates are inline.
Best car insurance in Mesa
Insuring your vehicle with a good quality insurance company can be challenging considering how many companies provide coverage in Mesa. The company ratings in the next section could help you choose which companies to look at shopping your coverage with.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Don’t give up on cheaper rates
When getting Mesa car insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that the small savings ended up costing them much more. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
Cheaper Toyota Sequoia insurance in Mesa can be bought both online and with local Mesa insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.
To learn more, feel free to browse the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- How Much is Mesa Car Insurance for a 20 Year Old Female? (FAQ)
- How Much is Auto Insurance for a Ford Fusion in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota Highlander in Mesa? (FAQ)
- How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance for Drivers Under 21? (FAQ)
- Who Has the Cheapest Auto Insurance for High Risk Drivers in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Quotes for High Mileage Drivers in Mesa? (FAQ)
- Teen Driving Statistics (GEICO)
- Car Insurance: When not to Skimp (BankRate.com)