How to Know You're Paying Too Much for Auto Insurance in Mesa

I can't think of a single person who likes paying for auto insurance, in particular when their premiums are through the roof.

Numerous battle for your insurance dollar, and it can be difficult to compare rates and get the definite lowest rate

Don't pay full price with these discounts

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Military Rewards - Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Clubs and Organizations - Participating in certain professional organizations may earn a discount when shopping for auto insurance.
  • Low Mileage Discounts - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Completing a course in driver safety can save you 5% or more if you qualify.

It's important to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it's possible to get free car insurance, you're out of luck. But any discount will cut your premiums.

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Why some people pay less for insurance in Mesa

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Equipment add-ons that lower auto insurance rates - Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Do you qualify for a multi-policy discount? - Some insurance companies provide better rates to customers who buy several policies from them. It's known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, you may still want to compare other company rates to make sure you are getting the best deal.
  • Liability insurance protects assets - Your policy's liability coverage is the coverage that protects you when a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Higher safety ratings means cheaper insurance - Cars with high safety ratings get lower rates. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?

If you can't answer these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all have a common claim that you can save if you change to them. How do they all make almost identical claims?

All companies have a certain "appetite" for the type of driver that earns them a profit. For example, a driver they prefer could possibly be a mature driver, owns a home, and has a high credit rating. A driver that hits that "sweet spot" is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save money. That is how insurance companies can state the savings.

This emphasizes why drivers should quote coverage with many companies. It is impossible to predict which company will have the lowest rates.

More information can be found on the website for the Arizona Department of Insurance through this link. Arizona consumers can view a list of available companies, read consumer alerts, find out which companies have the most complaints, and find disaster information.

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Final considerations

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Lower-priced auto insurance can be sourced online and with local Mesa insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.