Truthfully, the best way to find cheaper quotes for car insurance rates in Mesa is to compare prices once a year from insurers that sell auto insurance in Arizona. You can compare rates by completing these steps.
- Step 1: Get an understanding of how auto insurance works and the measures you can take to keep rates down. Many rating criteria that drive up the price such as careless driving and a less-than-favorable credit score can be controlled by making small lifestyle or driving habit changes. This article provides additional tips to help find cheaper rates and get additional discounts that may have been overlooked.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of companies. Get quotes now
- Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper price is available in Mesa. If you can save money and decide to switch, make sure coverage does not lapse between policies.
- Step 4: Provide written notification to your current company of your intent to cancel the current policy and submit a completed policy application and payment to your new carrier. Make sure you put the proof of insurance certificate with the vehicle registration.
A tip to remember is to make sure you’re comparing similar coverage information on every quote request and and to get quotes from as many companies as possible. Doing this guarantees an accurate price comparison and a complete price analysis.
It’s well known that car insurance companies don’t want you quoting rates from other companies. Drivers who shop around for a cheaper policy are highly likely to switch companies because the odds are good of finding a policy with more affordable rates. A recent insurance study discovered that drivers who shopped around annually saved about $70 a month compared to people who never shopped around.
If finding discount rates on Subaru Forester insurance in Mesa is your goal, then having a good understanding how to shop and compare insurance premiums can make shopping around easier.
If you have insurance now or are just looking to switch companies, you can use these tips to get lower rates while maximizing coverage. Locating the best rates in Mesa is quite easy. Comparison shoppers only need an understanding of the best way to compare company rates on the web.
The car insurance companies shown below are our best choices to provide price comparisons in Mesa, AZ. If you wish to find cheaper auto insurance in Mesa, it’s highly recommended you click on several of them to get the best price comparison.
Subaru Forester insurance rate analysis
The coverage table displayed next highlights estimates of rate quotes for Subaru Forester models. Learning more about how insurance premiums are determined can help you make decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$224||$402||$288||$18||$86||$1,018||$85|
|Forester X Premium AWD||$224||$402||$288||$18||$86||$1,018||$85|
|Forester X Premium AWP AWD||$224||$402||$288||$18||$86||$1,018||$85|
|Forester X Limited Edition AWD||$250||$402||$288||$18||$86||$1,044||$87|
|Forester X Limited Edition W/Navigation AWD||$250||$474||$288||$18||$86||$1,116||$93|
|Forester XT AWD||$250||$474||$288||$18||$86||$1,116||$93|
|Forester XT Limited Edition AWD||$250||$474||$288||$18||$86||$1,116||$93|
|Forester XT Limited Edition W/Navigation AWD||$250||$474||$288||$18||$86||$1,116||$93|
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in vehicle location which can increase or decrease coverage rates considerably.
How accidents and tickets impact rates
The chart below demonstrates how speeding tickets and at-fault accidents influence Subaru Forester insurance costs for different insured age categories. The data is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Male drivers compared to female drivers in Mesa
The chart below shows the difference between Subaru Forester auto insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Does full coverage make sense?
The information below shows the difference between Subaru Forester insurance rates with full physical damage coverage and with liability coverage only. The data assumes no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop full coverage
There is no exact formula to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s say your Subaru Forester book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $6,000 after the policy deductible has been paid. If you are currently paying more than $600 annually for full coverage, then you might consider buying liability only.
There are some cases where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Seven factors that determine insurance rates
A large part of saving on auto insurance is knowing some of the elements that help calculate the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this enables informed choices that could result in lower auto insurance prices. Lots of things are used when premium rates are determined. Some are obvious such as traffic violations, but other factors are not quite as obvious like your continuous coverage or your financial responsibility.
- Do thieves like your car? – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft.
- Occupation reflects on rates – Careers like real estate brokers, air traffic controllers, and stock brokers usually pay the highest average rates because of job stress and lots of time spent away from family. On the flip side, jobs like farmers, athletes and homemakers receive lower rates.
- Being married equates to better premiums – Being married may earn you lower rates when shopping for auto insurance. Having a significant other may mean you are more mature than a single person and statistics show drivers who are married are more cautious.
- More than one policy can earn a discount – Most major auto insurance companies allow lower prices to policyholders who buy several policies from them in the form of a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you qualify for this discount already, you may still want to get quotes from other companies to help ensure you have the lowest rates. You may still be able to find lower rates by splitting coverages up.
- Limits of liability coverage – Your policy’s liability coverage provides coverage if a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage starting from day one. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
- Higher coverage deductibles lower rates – The deductibles you choose tell how much you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more expense you’re willing to pay, the lower your rates will be.
Insurance prices are higher for high performance vehicles – The performance of the car or truck you are buying insurance for makes a huge difference in how high your rates are. The lowest performance passenger vehicles normally have pretty low rates, but many other things help determine your insurance rates.
The next chart uses these variables: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Subaru Forester car insurance rates compared to other makes and models that have different performance rating factors.
Loss probability for a Subaru Forester – Car insurance companies use statistical claims data in order to profitably underwrite each model. Vehicles that the data shows to have higher claim amounts or frequency will have higher premium rates. The data below shows the historical loss data for Subaru Forester vehicles.
For each type of coverage, the claim probability for all vehicles, as a total average, is considered to be 100. Values that are below 100 represent a good loss history, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
Car Insurance Loss Data for Subaru Forester Models Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Subaru Forester 4dr 4WD 71 80 108 72 76 68 Subaru Forester 4dr 4WD with Eyesight 74 66 118 77 78 53BETTERAVERAGEWORSE
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Here’s why car insurance is not optional
Despite the high insurance cost for a Subaru Forester in Mesa, paying for car insurance may be required and benefits you in several ways.
- Most states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability insurance coverage in order to license the vehicle. 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 Subaru Forester has a lienholder, more than likely the lender will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Subaru at an extremely high rate and force you to pay for it.
- Insurance safeguards not only your vehicle but also your assets. Insurance will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay to defend you in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.
The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. The average driver in Arizona is overpaying over $865 each year so compare quotes from several companies at least once a year to make sure the price is not too high.
Arizona auto insurance companies ranked
Buying coverage from a high-quality insurance provider is hard considering how many different insurance companies sell coverage in Mesa. The company rank data below could help you select which auto insurance companies to look at buying from.
Top 10 Mesa Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Mesa Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family