The best way we recommend to get low-cost auto insurance rates in Mesa is to compare prices once a year from companies who provide auto insurance in Arizona. You can shop around by following these steps.
Step 1: Get a basic knowledge of auto insurance and the modifications you can make to prevent high rates. Many things that cause rate increases such as accidents, traffic violations, and poor credit can be improved by being financially responsible and driving safely. Read the full article for information to prevent expensive rate increases and find additional discounts you may qualify for.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies. View a list of agents
Step 3: Compare the quotes to the price on your current policy and determine if cheaper Alero coverage is available. If you can save money and decide to switch, make sure coverage does not lapse between policies.
A key point to remember is to make sure you enter the same deductibles and limits on each quote and and to get price quotes from as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and a better comparison of the market.
Smart shoppers know that insurance companies don’t want policyholders to shop around. Consumers who shop around for better prices are inclined to buy a new policy because there is a significant possibility of finding a lower-cost company. A recent insurance study discovered that people who compared rate quotes regularly saved $865 a year as compared to drivers who never shopped around for cheaper prices.
If finding budget-friendly rates on Oldsmobile Alero insurance in Mesa is your target objective, understanding how to quote and compare insurance can save time and make the process easier.
The method we recommend to get rate comparisons for Oldsmobile Alero insurance in Mesa is to take advantage of the fact most of the larger companies will pay a fee to give rate comparisons. To get started, all you need to do is provide a little information like which vehicles you own, how many miles driven, how much coverage you want, and how much school you completed. That rating data is instantly provided to multiple car insurance providers and they return rate quotes almost instantly.
If you would like to compare rates now, click here and complete the form.
The companies shown below can provide comparison quotes in Arizona. If your goal is to find cheap car insurance in AZ, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Insurance does more than just protect your car
Despite the high insurance cost for a Oldsmobile Alero in Mesa, insurance may not be optional for several reasons.
- Most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to get the vehicle licensed. 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.
- If your Oldsmobile Alero has a lienholder, most lenders will make it a condition of the loan that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may have to buy a policy to insure your Oldsmobile at a more expensive rate and force you to reimburse them the higher price.
- Insurance preserves both your assets and your car. It will also reimburse you for medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is overpaying more than $825 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.
Lower rates by qualifying for these seven discounts
Insuring your fleet can be pricey, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be specifically requested before you will receive the discount. If you are not receiving all the discounts available, you’re paying more than you need to.
- Auto/Life Discount – Larger insurance carriers have a discounted car insurance rate on car insurance if you buy life insurance from them.
- Defensive Driver Discount – Participating in a course teaching driver safety skills can save you 5% or more and make you a better driver.
- Accident-Free Discounts – Insureds who avoid accidents and claims have much lower rates when compared to drivers with a long claim history.
- Discount for Low Mileage – Maintaining low annual mileage can earn cheaper prices.
- Onboard Data Collection – Drivers who elect to allow their car insurance company to monitor their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise might get better premium rates if they exhibit good driving behavior.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
Please keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, you aren’t that lucky. Any amount of discount should definitely cut the cost of your policy.
Larger car insurance companies and their offered discounts can be read below.
- State Farm offers discounts for student away at school, accident-free, multiple policy, multiple autos, and good driver.
- Farmers Insurance has savings for homeowner, bundle discounts, alternative fuel, early shopping, and multi-car.
- Progressive discounts include continuous coverage, online signing, multi-policy, online quote discount, homeowner, and good student.
- GEICO policyholders can earn discounts including membership and employees, anti-lock brakes, daytime running lights, anti-theft, and multi-policy.
- Auto-Owners Insurance has discounts for safe driver, good student, anti-theft, multi-policy, paperless, safe vehicle, and air bags.
- The Hartford offers discounts including vehicle fuel type, air bag, bundle, anti-theft, driver training, defensive driver, and good student.
- Farm Bureau may include discounts for youthful driver, renewal discount, good student, multi-vehicle, and 55 and retired.
- USAA may have discounts that include family discount, defensive driver, new vehicle, multi-policy, annual mileage, good student, and military installation.
Before purchasing a policy, check with each company to give you their best rates. Some discounts listed above might not be available to policyholders in Mesa. To locate car insurance companies who offer cheap Oldsmobile Alero insurance quotes in Arizona, click here to view.
Ratings for Arizona car insurance companies
Ending up with the highest-rated insurer is difficult considering how many companies are available to choose from in Arizona. The rank data in the lists below could help you choose which coverage providers to look at putting your business with.
Top 10 Mesa Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco