Cheap Saturn Outlook Insurance in Mesa

Feel like you have an under-performing, overpriced car insurance policy? Believe me, you’re not the only one.

We don’t have to point out that fact that auto insurance companies don’t want you quoting rates from other companies. Consumers who shop around will presumably buy a new policy because they stand a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that people who did price comparisons regularly saved as much as $850 each year compared to people who didn’t regularly shop around.

If finding the cheapest price on Saturn Outlook insurance is why you’re here, then having a good understanding how to quote and compare insurance can save money and time.

Insurance companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with ads and it can be hard to ignore the flashy ads and take the time to shop coverage around.

If you have a policy now, you will definitely be able to save money using the ideas presented in this article. Locating the best rates in Mesa is not that difficult. But Arizona consumers do need to know how insurance companies compete online and use this information to your advantage.

Companies offering Saturn Outlook insurance in Arizona

The following companies are our best choices to provide comparison quotes in Arizona. To buy the cheapest car insurance in Mesa, AZ, we suggest you visit as many as you can in order to get a fair rate comparison.

Saturn Outlook insurance rate analysis

The premium table shown below highlights different insurance coverage prices for Saturn Outlook models. Having insight into how prices are figured can assist in making smart choices when selecting a coverage provider.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in garaging location in Mesa which can alter premium rates noticeably.

Higher deductibles save money

A question often asked by Mesa drivers is how high should your deductibles be. The tables below sum up how much more rates are between low and high comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in specific garaging location which can alter coverage rates greatly.

Based on the figures above, using a $250 deductible costs approximately $25 more each month or $300 for a full year than buying the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 30 months between claims, you would probably save some money by going with a higher deductible.

Male drivers versus female drivers

The diagram below compares Saturn Outlook premium costs for male and female drivers. The prices are based on no claims or driving citations, full coverage, $250 deductibles, single marital status, and no discounts are factored in.

Car insurance discounts help lower rates for Saturn Outlook insurance in Mesa

Car insurance is not inexpensive, but you might be missing out on some discounts that you may not even be aware of. Most are applied at the time of quoting, but a few must be asked about in order for you to get them.

• Discount for Swiching Early – Some car insurance companies provide a discount for buying a policy prior to your current Outlook insurance policy expiring. You can save around 10% with this discount.
• Pay Early and Save – By making one initial payment instead of paying each month you can avoid monthly service charges.
• Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
• No Claim Discounts – Drivers who don’t have accidents have much lower rates in comparison with bad drivers.
• Bundle and Save – When you combine your home and auto insurance and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
• Military Rewards – Having an actively deployed family member can result in better premium rates.
• Senior Discount – Drivers over the age of 55 may be able to get a small decrease in premiums.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the whole policy. A few only apply to individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

The information below shows the comparison of Saturn Outlook auto insurance rates with and without discounts applied to the rates. The information is based on a female driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, claim-free, marriage, and multi-car discounts applied.

Companies and their possible discounts are outlined below.

• American Family offers discounts for early bird, multi-vehicle, accident-free, mySafetyValet, good student, and air bags.
• State Farm offers discounts including defensive driving training, Drive Safe & Save, good student, multiple policy, driver’s education, passive restraint, and anti-theft.
• 21st Century policyholders can earn discounts including air bags, homeowners, good student, anti-lock brakes, early bird, defensive driver, and driver training.
• Travelers may offer discounts for home ownership, early quote, IntelliDrive, new car, payment discounts, hybrid/electric vehicle, and good student.
• GEICO includes discounts for anti-lock brakes, seat belt use, driver training, membership and employees, military active duty, five-year accident-free, and daytime running lights.

When quoting, ask every prospective company which credits you are entitled to. Some of the discounts discussed earlier might not apply in your area. If you would like to see a list of providers who offer discounts in Arizona, follow this link.

When to get advice from an agent

Some consumers would prefer to sit down with an agent and that is just fine! One of the great benefits of getting online price quotes is that drivers can save money and get better rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is especially important in Mesa.

After filling out this simple form, your coverage information is immediately sent to companies in Mesa who will gladly provide quotes for your insurance coverage. There is no reason to contact any insurance agencies because quoted prices will be sent to you instantly. You can find lower rates and work with a local agent. If you wish to quote rates from a specific insurance provider, you just need to find their quoting web page and fill out the quote form the provide.

The difference between Mesa car insurance agents

If you want to use a reputable agency, it’s helpful to know the types of agencies and how they can write your policy. Agents in Mesa are either independent (non-exclusive) or exclusive.

Independent Insurance Agents

These agents are not limited to a single company and that allows them to write policies through lots of different companies depending on which coverage is best. If they find a lower price, they can switch companies in-house and you don’t have to do anything. When comparison shopping, you will definitely want to get insurance quotes from a few independent agents for maximum quote selection.

Listed below are Mesa independent insurance agents that can possibly get you free rate quotes.

More Mesa agents

Exclusive Insurance Agents

Agents that elect to be exclusive can only provide one company’s prices and some examples include Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.

The following is a short list of exclusive agencies in Mesa that are able to give price quotes.

More Mesa agents

Finding the right car insurance agent requires you to look at more than just a cheap quote. Get answers to these questions too.

• Is auto insurance their primary focus in Mesa?
• Are claim adjusters local or do you have to take your car somewhere else?
• If you have an accident, will your rates go up?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Can they give you a list of client referrals?
• What company holds the largest book of business for them?
• Will high miles depreciate repair valuations?
• Does the agent have professional designations like CIC, CPCU or AIC?

Auto insurance policy coverages for a Saturn Outlook

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Coverage for liability

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but you should think about purchasing more liability than the minimum.

The chart below demonstrates why the minimum limit may not be adequate coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses like surgery, doctor visits, prosthetic devices, chiropractic care and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, damage from a tornado or hurricane and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your Outlook from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, colliding with a tree, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible on your Outlook to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Saturn Outlook.

Due to the fact that many Arizona drivers have only the minimum liability required by law (Arizona limits are 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Don’t give up on cheap rates

Low-cost Saturn Outlook insurance in Mesa is possible from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agents.

We’ve covered a lot of ways to find lower-cost Saturn Outlook insurance in Mesa. The key concept to understand is the more times you quote, the higher your chance of finding affordable Mesa auto insurance quotes. Consumers could even find that the best rates are with a small mutual company. They may often insure only within specific states and give better rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

Steps to finding cheaper rates for Saturn Outlook insurance in Mesa

If you want to save the most money, the best way to find low-cost auto insurance rates in Mesa is to do a yearly price comparison from insurance carriers who provide auto insurance in Arizona. Price quotes can be compared by following these steps.

1. Spend a few minutes and learn about how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many things that increase rates like inattentive driving and an imperfect credit history can be remedied by making minor driving habit or lifestyle changes.
2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.
3. Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
4. Provide notification to your current agent or company to cancel the current policy and submit any necessary down payment along with the completed application to the newly selected company. As soon as you can, put the new proof of insurance paperwork along with the vehicle’s registration papers.

One thing to remember is to use the same physical damage deductibles and liability limits on each price quote and and to look at as many companies as you can. Doing this enables an accurate price comparison and maximum price selection.

For more information, feel free to visit the articles below:

• Tread Depth and Tire Safety (State Farm)
• What Auto Insurance is Cheapest for a Dodge Ram in Mesa? (FAQ)
• Who Has Cheap Mesa Auto Insurance for Homeowners? (FAQ)
• Parking Tips to Reduce Door Dings (State Farm)
• Avoiding Deer Collisions (Insurance Information Institute)
• Prepare your Teens for Safe Driving (InsureUonline.org)