The words “bargain” and “insurance” really don’t belong together, especially when looking for the cheapest coverage for real estate agents. In an attempt to save some money, let’s familiarize you with some of the factors that can significantly affect car insurance rates, and come up with some ideas to shave a little off the next policy you buy.
Comparing rates for cheap auto insurance is not easy, and finding out which company quotes the best insurance rates for real estate agents will require even more rate comparisons. Every car insurance company has a unique approach to determine premium rates, so let’s begin by taking a look at the most affordable insurance companies in Arizona.
It’s a good idea to know that Arizona insurance rates are impacted by many factors that control the price of coverage. This is why it is so important to compare many different companies to find the most budget-friendly auto insurance rates for real estate agents. Car insurance prices are impacted by many factors and change dramatically, so the cheapest company the last time you compared rates may now be costing you a lot of money.
Cheapest Insurance Rates for Realtors
The Hartford quotes some of the most affordable car insurance rates in Mesa at around $820 each year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the lowest-priced Mesa, AZ auto insurance companies.
As shown in the rates above, if you have coverage with Travelers and switched to The Hartford, you could earn yearly savings of upwards of $255. Policyholders with USAA may save as much as $271 a year, and GEICO insureds might cut rates by $322 a year.
Be aware that those rates are averaged for all drivers and vehicles in Arizona and and are not figured with a specific location for real estate agents. So the company that fits your situation best may not even be in the top 28 companies in the list above. That point stresses why you need to get rate quotes using your own driver data and vehicle information.
One of the many factors that determine the price you pay for insurance is where you keep your vehicle. Cities with larger populations tend to pay slightly more, whereas less populated areas get the luxury of paying less.
The illustration below rates the most expensive cities in Arizona for real estate agents to buy car insurance in. Mesa is listed at #5 with the yearly price of $1,159 for the average insured, which is approximately $97 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Phoenix | $1,218 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,161 |
| 5 | Mesa | $1,159 |
| 6 | Peoria | $1,126 |
| 7 | Chandler | $1,126 |
| 8 | Gilbert | $1,120 |
| 9 | Goodyear | $1,120 |
| 10 | Tempe | $1,118 |
| 11 | Scottsdale | $1,117 |
| 12 | Buckeye | $1,110 |
| 13 | Surprise | $1,090 |
| 14 | Casa Grande | $1,089 |
| 15 | Maricopa | $1,085 |
| 16 | Catalina Foothills | $1,082 |
| 17 | Tucson | $1,061 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $992 |
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Rates are comparative as specific Mesa garaging address can change premium rates substantially.
Driving violations and accidents
A great way to enjoy the cheapest insurance prices in Arizona for realtors is to drive carefully and avoid tickets and accidents. The example below shows how traffic citations and at-fault claims raise insurance costs for different age groups of insureds. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy in Mesa per year with no accidents or violations is $1,349. Get two speeding tickets and the average cost swells to $1,860, an increase of $511 each year. Now get one accident along with the two speeding tickets and the annual cost of insurance for real estate agents increases to an average of $2,368. That’s an increase of $1,019, or $85 per month, just for not driving attentively!
Ending up with the top auto insurance company can be challenging considering how many different companies sell coverage in Mesa. The rank data in the lists below may help you select which auto insurers you want to consider when trying to find the cheapest insurance for real estate agents. The ratings below are only made up of companies with a nationwide focus, so companies that only write business in Arizona or surrounding areas are not taken into consideration for this list.
Top 10 Large Car Insurance Companies in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Car Insurance Companies in Mesa Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
How to get discounts on Mesa car insurance
Car insurance companies that provide policies for real estate agents may have discounts that can reduce rates by as much as 25% or more if you can meet the requirements. Popular insurance companies and some of the discounts can be found below.
- American Family offers discounts including accident-free, air bags, Steer into Savings, multi-vehicle, TimeAway discount, early bird, and good student.
- State Farm may offer discounts for student away at school, anti-theft, good student, multiple autos, passive restraint, and multiple policy.
- 21st Century offers discounts for theft prevention, good student, defensive driver, student driver, anti-lock brakes, and 55 and older.
- Travelers includes discounts for multi-car, hybrid/electric vehicle, home ownership, continuous insurance, IntelliDrive, driver training, and new car.
- GEICO has discounts for daytime running lights, federal employee, seat belt use, military active duty, and defensive driver.
The chart below illustrates the comparison of car insurance costs with and without discounts applied to the rates. Data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, multiple policy, vehicle safety, safe-driver, accident-free, and homeowner discounts applied. When taking advantage of discounts, the average savings per year on insurance for real estate agents is 28% or $482.
Are you paying too much for car insurance in Mesa?
Mesa insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply having a birthday, moving across town, or having a fender bender can trigger rate changes that can make some companies more affordable than competitors.
And not only may your rating factors change, but auto insurance companies file new Arizona auto insurance rates as often as every quarter in order to maintain liquidity for claims. Higher than normal claim frequency or severity can result in higher prices, while better underwriting may produce more affordable Mesa car insurance rates.
As an example, the chart below shows rates for the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with no accidents, a clean driving record, and a good credit history. When comparing rates based on her current rating profile, The Hartford offers the lowest car insurance rates in Mesa at $1,092 per year. This is $336 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the list of the cheapest Mesa, AZ auto insurance companies.
Now let’s give the driver from above an accident claim, a lower credit score, and an imperfect driving record. Due to the fact that every insurance company has a different process to set policy rates, comparing rates will most likely result in a new list of cheap Mesa auto insurance companies as shown below.
GEICO now has the cheapest price in Mesa, AZ with CSAA, Ameriprise Group, Auto-Owners, and Allied completing the list. This illustrates why it is important to do a thorough rate comparison when trying to find the best auto insurance rates for real estate agents.
Insurance prices are calculated by many things and can change substantially, so the lowest-price company when you bought your policy may now be costing you a lot of money.