It’s impossible to miss the catchy commercials from auto insurance companies like Farmers and State Farm claiming dirt cheap rates. So drivers just need to pick the company with the cutest commercial, right?
Unfortunately, it’s not that simple as there are a lot of unknown elements like how well you maintain your credit, if you have a tendency to get pulled over, and your gender, that all factor into the price you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to find cheap car insurance and will give you a good start in finding the cheapest car insurance.
One of the more important things that are looked at to help calculate the annual cost of car insurance is the neighborhood you call home in Mesa. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with less congestion benefit from lower prices.
The illustration below rates the highest-priced areas in Arizona for handicapped drivers in which to buy car insurance. Mesa ranks #8 with the yearly price of $1,125 for the average policyholder, which is around $94 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | San Tan Valley | $1,196 |
| 3 | Avondale | $1,186 |
| 4 | Glendale | $1,178 |
| 5 | Buckeye | $1,144 |
| 6 | Gilbert | $1,142 |
| 7 | Scottsdale | $1,129 |
| 8 | Mesa | $1,125 |
| 9 | Tempe | $1,118 |
| 10 | Maricopa | $1,107 |
| 11 | Peoria | $1,093 |
| 12 | Goodyear | $1,087 |
| 13 | Casas Adobes | $1,082 |
| 14 | Chandler | $1,082 |
| 15 | Surprise | $1,080 |
| 16 | Tucson | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Casa Grande | $1,057 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $992 |
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Rate quotes are approximated as specific Mesa zip code can revise price quotes considerably.
The type of vehicle that is being insured is probably the largest consideration when shopping around for cheaper insurance for handicapped drivers. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer models.
The data below shows insurance rates for a selection of the most affordable automobiles to insure in Arizona.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,372 |
| Honda CR-V EX-L 2WD | $1,404 |
| Dodge Grand Caravan CV | $1,539 |
| Ford Escape Limited 2WD | $1,606 |
| Toyota Camry LE | $1,622 |
| Chevrolet Equinox LT 2WD | $1,628 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,630 |
| Jeep Grand Cherokee Limited 2WD | $1,739 |
| Kia Optima LX | $1,741 |
| Ford F-150 XLT Super Cab 4WD | $1,797 |
| Ford Focus SE 4-Dr Sedan | $1,826 |
| Chevrolet Impala LS | $1,831 |
| Ford Edge SEL 2WD | $1,826 |
| Toyota Camry Hybrid | $1,858 |
| Chevrolet Malibu Hybrid | $1,861 |
| Toyota Prius | $1,869 |
| Ford Explorer Limited 4WD | $1,895 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,903 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,943 |
| Honda Odyssey EX W/Rear Entertainment | $1,954 |
| Toyota Corolla XLE | $1,956 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,986 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,991 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Mesa, AZ location which can decrease or increase premiums considerably.
Looking at the data, makes and models like the Hyundai Elantra, Honda CR-V, and Dodge Grand Caravan will definitely be some of the cheapest vehicles to insure for drivers with handicaps.
How to find a good Arizona insurance company
Insuring your vehicle with a highly-rated insurance company can be rather challenging considering how many companies are available to choose from in Mesa. The company ratings in the next section can help you select which providers to look at when shopping your coverage around.
These rankings include companies that insure vehicles across America, so smaller companies that only insure vehicles in Arizona are not taken into consideration for these rankings. To get rate quotes from these and other companies in Arizona, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on Mesa insurance rates
Car insurance companies that offer coverage for handicapped drivers may also offer rate discounts that can reduce rates by as much as 35% or more if you qualify for them. The best insurance companies and some of the discounts are detailed below.
- Progressive has savings for continuous coverage, online quote discount, multi-vehicle, online signing, and good student.
- The Hartford discounts include anti-theft, good student, defensive driver, driver training, bundle, vehicle fuel type, and air bag.
- Mercury Insurance offers discounts including anti-theft, age of vehicle, multi-policy, good student, type of vehicle, and professional/association.
- GEICO includes discounts for air bags, good student, multi-policy, anti-theft, five-year accident-free, defensive driver, and driver training.
- AAA may include discounts for AAA membership discount, pay-in-full, anti-theft, good driver, and good student.
- State Farm offers premium reductions for multiple autos, passive restraint, anti-theft, good driver, and accident-free.
The chart below visualizes the comparison of annual premium costs with and without some available policy discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, safe-driver, anti-theft, marriage, homeowner, and accident-free discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for handicapped drivers is 28% or $528.
Here’s why you should compare rates often
Mesa insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Getting older, buying a different vehicle, or getting a reckless driving citation can cause premium changes resulting in some rates now being cheaper in comparison to the competition.
In addition, insurance companies amend premium rates as often as every three months to adjust for gains or losses. Heavier than normal losses may result in increased policy costs, while a better claims history can produce cheaper Mesa car insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with a clear driving record, no claims, and a good credit rating. When comparing rates based on his current risk profile, The Hartford might offer the best car insurance rates in Mesa at $1,090 each year. This is $338 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Progressive, and Travelers are also included in the cheapest Mesa, AZ auto insurance companies.
The example below compares rates after we give the driver from the above example a chargeable accident, poor credit, and a stop sign violation. Since each company uses a different method for setting rates, comparing rates may now show a completely different list of cheap Mesa auto insurance companies as shown below.
GEICO now has the cheapest car insurance in Mesa, AZ with Ameriprise Group, CSAA, Safeco, and Allied now rounding out the top five. This example illustrates why it is so important to compare as many rates as possible when trying to get the cheapest insurance quotes for handicapped drivers. Auto insurance prices consist of many risk factors and change dramatically, so the most economical option six months ago may now be quite expensive.