Regrettably, nearly 70% of consumers kept their policy with the same company for at least four years, and nearly the majority have never taken the time to shop around. Arizona drivers could save themselves 50% a year by just comparing quotes, but they just don’t understand how much they could save if they changed companies.
If you want to save money, the best way to find the cheapest price for auto insurance rates is to do a yearly price comparison from insurance carriers who sell insurance in Mesa. This can be done by completing these steps.
- First, spend some time learning about how car insurance works and the factors you can control to keep rates low. Many things that result in higher rates like at-fault accidents and bad credit can be improved by making minor driving habit or lifestyle changes.
- Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can provide rate quotes from multiple insurance companies. Compare rates now
- Third, compare the new quotes to the premium of your current policy to see if a cheaper price is available. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
- Fourth, notify your company or agent to cancel your current policy and submit the signed application along with the required initial payment to your new insurance company. As soon as coverage is bound, safely store the proof of insurance paperwork somewhere easily accessible.
One key aspect of rate comparisons is to use similar limits and deductibles on each quote request and and to get prices from as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and a complete selection of prices.
Our goal in writing this article let you in on the best methods to compare rates and some money-saving tips. If you are already insured, you should be able to get lower rates using the techniques covered below. But Arizona vehicle owners do need to learn how the larger insurance companies sell insurance online because rates are impacted by many factors.
How much does Acura TL insurance in Mesa, AZ cost?
Just keep in mind that comparing a wide range of rates provides better odds of finding the best price.
The auto insurance companies shown below have been selected to offer free rate quotes in Mesa, AZ. If you want cheaper auto insurance in Arizona, it’s highly recommended you compare several of them to find the lowest auto insurance rates.
Auto insurance data for an Acura TL
The coverage information shown below showcases a range of coverage costs for Acura TL models. Understanding more about how car insurance premiums are established can be of help when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $184 | $290 | $392 | $24 | $118 | $1,008 | $84 |
| TL 3.5 W/Technology Package | $184 | $290 | $392 | $24 | $118 | $1,008 | $84 |
| TL 3.7 SH AWD | $184 | $290 | $392 | $24 | $118 | $1,008 | $84 |
| TL 3.7 SH W/Technology Package AWD | $184 | $334 | $392 | $24 | $118 | $1,052 | $88 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific garaging location which can influence prices substantially.
Deductible comparison
When comparing auto insurance rates, the most common question is which deductibles should you choose. The premium rates below approximate the rate difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| TL 3.5 W/Technology Package | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| TL 3.7 SH AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| TL 3.7 SH W/Technology Package AWD | $262 | $530 | $300 | $18 | $90 | $1,225 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| TL 3.5 W/Technology Package | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| TL 3.7 SH AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| TL 3.7 SH W/Technology Package AWD | $212 | $428 | $300 | $18 | $90 | $1,048 | $87 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific location which can modify coverage rates considerably.
Based on these figures, using a $250 deductible costs roughly $14 more each month or $168 a year than buying the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 18 months between claim filings, you would most likely save money if you choose the higher deductible.
The information below demonstrates how deductibles and can influence Acura TL insurance premiums for each different age category. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Full coverage rates compared to liability-only
The information below compares Acura TL insurance premiums with and without physical damage coverage. The rates are based on no claims or driving citations, $500 deductibles, marital status is single, and no other discounts are factored in.
When to buy liability coverage only
There is no set guideline of when to exclude full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Acura TL settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few situations where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.
How to know if you need help
When quoting and choosing adequate coverage, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that
For instance, these questions may help you determine if your insurance needs will benefit from professional help.
- Will I be non-renewed for getting a DUI or other conviction?
- How do I insure my teen driver?
- Is my custom stereo system covered?
- Which companies will insure high-risk drivers?
- Is my teenager covered with friends in the car?
- What companies insure drivers after a DUI or DWI?
- Am I covered if I wreck a rental car?
- Is my business laptop covered if it gets stolen from my vehicle?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier
Do I need an insurance agency?
Some consumers just prefer to have an agent’s advice and that is recommended in a lot of cases One of the benefits of comparing rate quotes online is that you can obtain lower rates and still have an agent to talk to. Supporting neighborhood insurance agencies is especially important in Mesa.
Once you complete this quick form, your insurance data is immediately sent to local insurance agents in Mesa who will give you quotes for your coverage. It makes it easy because there is no need to find an agent because prices are sent directly to your email. Get lower rates without requiring a lot of work. If you need to quote rates from a specific insurance company, you would need to jump over to their website and submit a quote form there.
Pick the best car insurance agent in Mesa for you
If you need to find an insurance agent, it’s helpful to know the different types of agents and how they can service your needs differently. Auto insurance policy providers are classified as either independent or exclusive.
Independent Insurance Agents
Agents that choose to be independent are appointed with more than one company so they can quote policies amongst many companies and help determine which has the cheapest rates. If your premiums go up, they simply switch companies in-house which requires no work on your part.
If you are trying to find cheaper rates, we recommend you contact a couple of independent agencies to maximize your price options. Many independent agencies also insure through small mutual carriers that may provide cheaper auto insurance rates.
Below is a small list of independent insurance agencies in Mesa that may be able to provide free price quotes.
- Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672 – View Map - Ayala Insurance Service, LLC
830 W Southern Ave #10 – Mesa, AZ 85210 – (480) 844-1555 – View Map - Jarosch Insurance
2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive are contracted to one company like AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare rates from other companies so they have no alternatives for high prices. These agents are highly trained on their company’s products which helps offset the inability to provide other markets. Consumers frequently purchase coverage from exclusives mostly because of loyalty to the company and the convenience of having all coverages with one company.
The following is a list of exclusive insurance agents in Mesa who can help you get price quote information.
- Kimball Porter – State Farm Insurance Agent
1847 S Greenfield Rd Ste 107 – Mesa, AZ 85206 – (480) 892-1779 – View Map - Allstate Insurance: Brent D. Henningson
5540 E Broadway Rd Ste 6 – Mesa, AZ 85206 – (480) 830-0046 – View Map - Jim Shepard – State Farm Insurance Agent
1725 E University Dr – Mesa, AZ 85203 – (480) 964-8173 – View Map
Selecting a auto insurance agent requires you to look at more than just a low price. Ask your prospective agent these questions:
- Will you work with the agent or an assistant?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they giving you every discount you deserve?
- Which insurance company do they prefer to write with?
- What is the financial rating for the quoted company?