Trying to find cheaper insurance for your Ford Freestar in Arizona can normally be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy auto insurance and you need to know the quickest way to quote coverages for a Ford and find the best price possible either online or from Mesa insurance agents.
A recent survey discovered that a large majority of drivers kept their policy with the same company for at least the last four years, and nearly 40% of drivers have never shopped around. Drivers in Arizona could save an average of $733 each year, but they just don’t understand the benefits if they moved their coverage to a different company.
Buying the cheapest car insurance in Mesa is not that difficult as long as you know where to start. If you’re already insured or want to find a cheaper company, you can use this information to buy cheaper car insurance while maintaining coverages. Drivers just have to use the quickest way to shop using one simple form.
The auto insurance companies shown below are ready to provide free quotes in Arizona. To buy the best cheap auto insurance in Mesa, it’s a good idea that you get price quotes from several of them in order to find the cheapest rates.
Insuring your Freestar just makes sense
Even though it’s not necessarily cheap to insure a Ford in Mesa, paying for insurance serves a purpose in several ways.
- The majority of states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to be legal. 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 Ford Freestar has a loan, it’s most likely the lender will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Ford for a much higher rate and make you pay the higher premium.
- Insurance protects your Ford Freestar and your assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying insurance are definitely more than the cost, particularly when you have a large claim. The average driver in Arizona is overpaying more than $865 each year so compare quotes from several companies at least once a year to be sure current rates are still competitive.
Discounts mean cheaper rates for Ford Freestar insurance in Mesa
Some companies do not list every discount they offer very clearly, so the list below details a few of the more well known as well as the least known discounts that you may qualify for.
- Discount for Home Ownership – Just owning your own home can help you save on insurance since home ownership requires personal responsibility.
- Paper-free Discount – A few larger online companies will provide an incentive simply for signing on your computer.
- Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations could trigger savings on your next insurance statement.
- Sign Early and Save – A few insurance companies allow discounts for buying a new policy early. Ten percent is about the average savings.
- Waiver for an Accident – This one is not really a discount per se, but some companies like Allstate, State Farm and GEICO will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free prior to being involved in the accident.
Remember that most credits do not apply to the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
To locate insurance companies that offer the discounts shown above in Mesa, click this link.
You are unique and your auto insurance should be too
When it comes to a policy, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed.
These are some specific questions might point out whether you would benefit from an agent’s advice.
- Does insurance cover damages from a DUI accident?
- Why am I required to get a high-risk car insurance policy?
- Is my vehicle covered by my employer’s policy when using it for work?
- Can I insure my car for more than it’s worth?
- How do I file an SR-22 for a DUI in Arizona?
- Is a driver training discount available?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Exclusive versus independent insurance agents
A lot of people still prefer to talk to a local agent and that is not a bad decision Most agents can help you build your policy and help submit paperwork. One of the benefits of comparing insurance online is you can get cheap insurance quotes but still work with a licensed agent.
After completing this short form, the coverage information is submitted to local insurance agents in Mesa that can give you free Mesa car insurance quotes to get your business. You won’t even need to find an agent because quoted prices will be sent instantly to you. If you wish to get a price quote from a specific insurance company, you would need to navigate to their website and fill out their quote form.
Selecting an company shouldn’t rely on just a low price. The following questions are important to ask.
- Is the agency involved in supporting local community causes?
- If independent agents, which companies do they recommend?
- How are claims handled?
- Are they primarily personal or commercial lines agents in Mesa?
- Do they offer rental car reimbursement?
- Can you use your own choice of collision repair facility?
Choose an insurance agent wisely
If you would like to find a good insurance agency, you should know the types of agencies and how they differ in how they quote coverages. Insurance agencies are classified as either exclusive or independent. Both types can sell and service insurance coverage, but it’s important to know the differences since it could factor into which agent you choose.
Exclusive agents can only place business with one company like American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents are highly trained on sales techniques and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mainly due to the brand and solid financial strength.
Below is a list of exclusive insurance agents in Mesa who can help you get price quote information.
- Jim Shepard – State Farm Insurance Agent
1725 E University Dr – Mesa, AZ 85203 – (480) 964-8173 – View Map
- Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map
- Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820 – View Map
Independent Agents (or Brokers)
Independent agencies can quote rates with many companies so they can insure your vehicles with an assortment of companies and get you the best rates possible. If prices rise, the agent simply finds a different carrier without you having to go to a different agency.
If you need cheaper insurance rates, we highly recommend that you contact several independent agencies to have the most options to choose from. Many independent agencies also insure through lesser-known insurance companies that many times have cheaper rates.
Below is a list of independent insurance agents in Mesa that can give you price quote information.
- Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map
- Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map
- AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.
Liability auto insurance
Liability coverage protects you from injuries or damage you cause to other’s property or people. 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 commonly see policy limits of 15/30/10 that translate to a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability can pay for things such as funeral expenses, repair costs for stationary objects, pain and suffering and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why buying the state minimum limits may not be adequate coverage.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, falling objects, theft and a broken windshield. The maximum payout a 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.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like hospital visits, nursing services, prosthetic devices and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision insurance will pay to fix damage to your Freestar from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as crashing into a ditch, rolling your car, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible on your Freestar to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Freestar.
Since a lot of drivers only carry the minimum required liability limits (which is 15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
How to find a good Arizona car insurance company
Choosing the best auto insurance company is hard considering how many choices you have in Arizona. The company rank data in the next section can help you pick which auto insurance companies to look at when comparing rates.
Top 10 Mesa Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Mesa Car Insurance Companies Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Find cheaper auto insurance prices by comparing often
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced collision coverage only to regret at claim time that they should have had better coverage. Your objective should be to buy enough coverage at the best price and still be able to protect your assets.
A few companies may not offer rate quotes online and these smaller companies prefer to sell through independent agents. Budget-conscious Ford Freestar insurance can be found both online and also from your neighborhood Mesa agents, and you need to comparison shop both to have the best chance of lowering rates.
Steps to buying discount Ford Freestar insurance in Mesa
If your goal is the lowest price, then the best way to get affordable auto insurance rates in Mesa is to begin comparing prices regularly from insurers in Arizona. Rates can be compared by following these steps.
- Try to learn a little about how auto insurance works and the measures you can control to prevent expensive coverage. Many rating factors that are responsible for high rates such as speeding tickets, careless driving and an unacceptable credit score can be amended by making minor changes in your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can quote rates from multiple insurance companies. View prices
- Compare the new quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
- Notify your current company of your intent to cancel your current policy and submit payment and a completed application to your new insurance company. Make sure you store the certificate of insurance in your vehicle.
The most important part of shopping around is to use the same deductibles and limits on each price quote and and to compare as many carriers as you can. Doing this provides the most accurate price comparison and a thorough price selection.
Additional auto insurance information can be read at the links below
- Frontal Crash Tests (iihs.org)
- Who Has Affordable Mesa Auto Insurance Rates for Low Mileage Drivers? (FAQ)
- How Much are Mesa Car Insurance Quotes for Nurses? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Government Employees? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
- How Much are Mesa Car Insurance Quotes for Teachers? (FAQ)
- Child Safety FAQ (iihs.org)
- Event Data Recorders FAQ (iihs.org)