Having to pay for overpriced car insurance can drain your bank account and put the squeeze on your family’s finances. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. With consumers having so many companies and agents to choose from, it is hard for the average consumer to locate the cheapest insurance company.
Pricing affordable car insurance in Mesa is easy if you know what you’re doing. If you have a current car insurance policy or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. Arizona drivers only need to know the proper methods to compare company rates over the internet.
Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Some trigger automatically when you get a quote, but lesser-known reductions have to be manually applied in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.
It’s important to understand that most credits do not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will bring down the cost of coverage.
To choose providers who offer car insurance discounts in Arizona, follow this link.
A small number of people prefer to talk to a local agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is you can get the lowest rates and still choose a local agent. Supporting local businesses is important especially in Mesa.
To make it easy to find an agent, after completing this simple form, your coverage information is sent to agents in your area who will return price quotes for your coverage. There is no reason to visit any agencies because quoted prices will be sent straight to your inbox. How cool is that?!
When finding local Mesa agents, there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in Mesa are classified as either captive or independent. Either one can do a good job, but it’s important to know how they are different because it can influence the selection process.
These agents are not employed by any specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, it’s a good idea to include multiple independent agents to get the best comparison.
Shown below is a short list of independent agencies in Mesa that may be able to provide price quotes.
American Premiere Insurance – 1811 S Alma School Rd – Mesa, AZ 85210 – (480) 423-3444
Adams Agency – 3851 E Main St – Mesa, AZ 85205 – (480) 924-2600
Gary Gollwitzer Agency – 919 N Stapley Dr # P – Mesa, AZ 85203 – (480) 834-3872
Kevin Robins Agency – 2152 S Vineyard # 122 – Mesa, AZ 85210 – (480) 633-2131
Country Insurance and Financial – 2500 S Power Rd # 7-218 – Mesa, AZ 85209 – (480) 325-1550
Captive agents are contracted to one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to give you multiple price quotes so keep that in mind. These agents are trained well on the products they sell which can be an advantage.
Shown below are Mesa captive agents who can help you get price quote information.
Farmers Insurance Group – 4111 E Valley Auto Dr # 108 – Mesa, AZ 85206 – (480) 503-0800
State Farm Insurance – 745 W Baseline Rd # B11 – Mesa, AZ 85210 – (480) 892-6079
American Family Insurance – 1140 N Higley Rd # 108 – Mesa, AZ 85205 – (480) 981-8557
Farm Bureau Insurance – 4447 E Broadway Rd # 104 – Mesa, AZ 85206 – (480) 924-2520
Allstate Insurance Co – 1345 E Main St # 203 – Mesa, AZ 85203 – (480) 844-4217
To view a complete directory of captive agencies in Mesa, simply jump to this page.
Picking an insurance agency needs to be determined by more than just the price. Ask your prospective agent these questions:
Once you have acceptable answers to any questions you have and an affordable coverage quote, you’ve probably found a car insurance agent that is a good match to service your policy.
More information is located on the website for the Arizona Department of Insurance found here. Arizona drivers can read enforcement actions against agents and companies, download brochures, and discover disciplinary actions.
Cheap car insurance is definitely available from both online companies in addition to many Mesa insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
When shopping online for car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.
We’ve covered a lot of tips how to save on car insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with the smaller companies. These companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.