It’s impossible to miss the catchy advertisements from car insurance companies like The General, Progressive, and Farmers that guarantee the cheapest rates. So you should just pick the company with the best ad, right?
Regrettably, it’s not quite that easy, as there are a lot of unknown aspects such as your financial stability, the number of miles you drive in a year, the likelihood of vehicle theft where you live, and your gender, that all impact the price you pay. We will try to cover the best ways to find cheap auto insurance and should give you a good beginning to your search for cheaper coverage.
Buying low-cost insurance is hard enough, and deciding which company quotes the lowest-priced insurance rates for veterans calls for even more perseverance.
Each insurer uses their own method for determining rates, so we’ll take a look at the most competitive insurance companies in Mesa, AZ. Keep in mind that Mesa, AZ insurance rates are impacted by many factors that may substantially change the price of your policy. Simply having another birthday, buying a home, or getting a few speeding tickets can trigger price changes resulting in some companies being much higher than others.
Best Insurance Companies for Vets
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | Allied | $1,209 |
| 9 | CSAA | $1,213 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,337 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,461 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,568 |
| Quote Your Rates Go | ||
The Hartford offers some of the lowest car insurance rates in Mesa at around $820 annually. Auto-Owners, Safeco, Travelers, and USAA are also some of the cheaper Mesa, AZ car insurance companies.
As the example above demonstrates, if you buy coverage from Auto-Owners and switched to The Hartford, you could see annual savings of in the neighborhood of $95. Arizona drivers with Safeco could save as much as $112 a year, and Travelers customers might lower prices by $255 a year.
Remember that these premium estimates are averages across all insureds and vehicles and do not take into consideration an exact zip code location for veterans. So the car insurance company that has the cheapest price for you may not even be in the top 28 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.
The vehicle model you are buying coverage for is a large factor that determines whether or not you find low-priced auto insurance for veterans. Vehicles with lower acceleration and performance, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models. The list below ranks car insurance premiums for some of the more affordable vehicles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,402 |
| Ford Explorer XLT AWD | $1,571 |
| Chevrolet Equinox LS 2WD | $1,657 |
| Chevrolet Malibu LS | $1,662 |
| Jeep Grand Cherokee Laredo 2WD | $1,657 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,689 |
| Toyota Corolla XLE | $1,743 |
| Honda CR-V EX-L 2WD | $1,759 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,775 |
| GMC Sierra SLE Crew Cab 4WD | $1,780 |
| Honda Odyssey Touring | $1,775 |
| Toyota Prius | $1,783 |
| Nissan Rogue S 2WD | $1,778 |
| Toyota Camry Hybrid | $1,896 |
| Honda Civic LX-S 4-Dr Sedan | $1,963 |
| Find Cheaper Rates Go | |
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in your specific Mesa, AZ location which can alter auto insurance rates significantly.
Based upon the table data, we can conclude that cars like the Ford Escape, Ford Explorer, Chevrolet Equinox, Chevrolet Malibu, and Jeep Grand Cherokee are most likely going to be a few of the most budget-friendly vehicles to insure for veterans.
Irresponsible driving raises your rates
One of the best ways to score the best insurance rates in Mesa for veterans is to drive attentively and avoid accidents and violations. The illustration below demonstrates how citations and accident claims can affect car insurance rates for each different age group. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of car insurance per year with no violations or accidents is $1,806. Get written up for two speeding tickets and the average cost swells to $2,576, an increase of $770 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of insurance for veterans increases to an average of $5,291. That’s an increase of $3,485, or $290 per month, just for not keeping your driving record clean!
Full coverage versus liability-only in Mesa
Lowering the price of insurance is important to most people, and an effective way to pay less for insurance for veterans is to not buy full coverage. The diagram below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The costs are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are factored in.
As an overall average, full coverage costs $2,305 per year over liability only. Many drivers will wonder when is the right time to remove full coverage. There is no specific rule for excluding full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
There are a few situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage 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 in case of an accident, you should not consider dropping full coverage.
What is the best insurance company in Arizona?
Picking the right insurance provider can be a challenge considering how many choices you have in Arizona. The company information shown next can help you decide which coverage providers you want to consider when looking for cheaper rates.
These rankings include large, nationwide insurance companies, so smaller companies are not factored into the list. To get rate quotes from the most competitive companies in Arizona, just click here.
Top 10 Major Auto Insurance Companies Overall in Mesa
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance