Anyone knows that car insurance companies don’t want customers comparing rates. Drivers who shop around for cheaper prices will presumably switch companies because there is a high probability of finding a lower-priced policy. A study discovered that people who made a habit of comparing rates saved $70 a month as compared to drivers who never shopped around for lower prices.
If finding budget-friendly insurance in Mesa is your intention, then knowing the best ways to shop for insurance coverage can help you succeed in finding affordable rates.
If you want to find the absolute lowest rates, then the best way to get the cheapest car insurance rates is to regularly compare price quotes from companies in Mesa.
- Step 1: Spend a few minutes and learn about how companies set rates and the things you can change to prevent expensive coverage. Many rating factors that drive up the price like traffic citations, accidents, and a less-than-favorable credit score can be controlled by paying attention to minor details. Keep reading for tips to prevent high prices and get bigger discounts that may have been overlooked.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
- Step 3: Compare the new quotes to your existing policy to see if cheaper XC60 coverage is available in Mesa. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Step 4: Provide notification to your current agent or company of your intent to cancel the current policy and submit payment along with a signed and completed policy application to the new insurer. Once received, place your new certificate verifying proof of insurance in your glove compartment.
The critical component of shopping around is that you’ll want to make sure you compare identical coverages on each quote and and to get quotes from as many companies as feasibly possible. Doing this guarantees an accurate price comparison and a thorough selection of prices.
Companies offering Volvo XC60 insurance in Mesa
The providers in the list below offer price comparisons in Arizona. To get the best car insurance in AZ, it’s highly recommended you visit as many as you can to find the most affordable auto insurance rates.
Rates and data analysis
The premium information below highlights different insurance costs for Volvo XC60 models. Understanding more about how prices are established helps drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $112 | $208 | $244 | $14 | $74 | $652 | $54 |
| XC60 3.2 AWD | $126 | $208 | $244 | $14 | $74 | $666 | $56 |
| XC60 T6 AWD AWD | $126 | $246 | $244 | $14 | $74 | $704 | $59 |
| XC60 T6-R AWD AWD | $140 | $246 | $244 | $14 | $74 | $718 | $60 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in garaging location in Mesa which can influence price quotes substantially.
Physical damage deductibles
One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The rates below determine the differences in premium rates when you choose different comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| XC60 3.2 AWD | $292 | $466 | $254 | $16 | $76 | $1,129 | $94 |
| XC60 T6 AWD AWD | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| XC60 T6-R AWD AWD | $324 | $548 | $254 | $16 | $76 | $1,243 | $104 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $144 | $246 | $254 | $16 | $76 | $736 | $61 |
| XC60 3.2 AWD | $162 | $246 | $254 | $16 | $76 | $754 | $63 |
| XC60 T6 AWD AWD | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| XC60 T6-R AWD AWD | $180 | $290 | $254 | $16 | $76 | $816 | $68 |
| Get Your Own Custom Quote Go | |||||||
Price 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-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can modify auto insurance rates noticeably.
Based on this data, using a $100 deductible costs about $33 more each month or $396 each year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 27 months between claims, you would probably be better off if you choose a higher deductible. Below is the way this decision is made.
| Average monthly premium for $100 deductibles: | $98 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
One important issue to know is that raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. You need to make sure you have some savings in the bank in the event you need to pay more to get your vehicle repaired.
The information below illustrates how choosing a deductible and can raise or lower Volvo XC60 insurance prices for different insured age categories. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
Reckless driving habits raise insurance rates
The information below highlights how traffic violations and accidents can influence Volvo XC60 insurance prices for different age groups. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Should you buy full coverage?
The chart below shows the difference between Volvo XC60 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The prices are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no definitive guideline that works best for making the decision to drop comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Volvo XC60 replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your deductible. If premium cost is more than $200 a year for full coverage, then you may want to consider only buying liability coverage.
There are some situations where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full 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 the event your current vehicle is totaled, you should keep full coverage on your policy.
Auto insurance discounts are available for cheaper rates
Some companies do not list all available discounts very well, so the next list breaks down a few of the more well known and also the more inconspicuous credits that you can use to lower your rates. If you’re not getting every credit available, you could be paying more than you need to.
- Senior Citizen Rates – Mature drivers could receive a slight reduction on a Mesa car insurance quote.
- Passive Restraints – Factory options such as air bags can get savings of more than 20%.
- Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
- Good Student – Maintaining excellent grades may save you up to 25%. The good student discount can last well after school through age 25.
- Discount for New Cars – Insuring a new XC60 can save up to 30% because new vehicles have to meet stringent safety requirements.
- Telematics Data Discounts – Drivers who elect to allow companies to study where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they show good driving skills.
- Anti-lock Brakes – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on XC60 insurance in Mesa.
- Distant Student – Youth drivers who attend college more than 100 miles from Mesa and do not have access to a covered vehicle may be able to be covered for less.
- Military Deployment Discount – Having a deployed family member can result in better auto insurance rates.
A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
The example below shows the difference between Volvo XC60 insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
If you would like to view insurers offering auto insurance discounts in Arizona, click this link.
Local neighborhood agents and auto insurance
Some people just want to buy from a local agent and that is not a bad decision The biggest benefit of getting online price quotes is that drivers can save money and get the best rates and still have an agent to talk to.
By using this form (opens in new window), the quote information is emailed to local insurance agents who will give you quotes for your auto insurance coverage. It makes it easy because there is no need to search for any insurance agencies due to the fact that quote results will go instantly to you. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to get a price quote from a specific auto insurance provider, just find their quoting web page and fill out the quote form the provide.
Finding the right insurance company shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they in the agency full-time?
- Which family members are covered?
- Is coverage determined by price?
- Is there a Errors and Omissions policy in force?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they specialize in personal lines coverage in Mesa?
If you are searching for a local insurance agency, there are a couple of types of agencies to choose from. Agencies in Mesa can be categorized as either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
These agents have only one company to place business with and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents are well schooled on what they offer which helps them sell on service rather than price. Many people choose to use a exclusive agent partially due to the prominence of the brand and the convenience of having all coverages with one company.
The following is a short list of exclusive agents in Mesa that can give you price quotes.
- Allstate Insurance: Michael Grizzle
1119 E University Dr – Mesa, AZ 85203 – (480) 834-1233 – View Map - Pete Rivera – State Farm Insurance Agent
104 W Main St – Mesa, AZ 85201 – (480) 964-1766 – View Map - Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map
Independent Insurance Agents
Agents of this type are appointed with more than one company so they can write business through lots of different companies and get you the best rates possible. If they find a cheaper price, your policy is moved internally and you stay with the same agent.
If you are comparing auto insurance prices, you will definitely want to get some free quotes from a few independent agents to ensure the widest selection of prices. A lot of them also have access to lesser-known insurance companies which may provide better rates.
Shown below are independent insurance agencies in Mesa that can give you price quotes.
- Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map - Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map - AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
Upon receiving good feedback to any questions you may have and the cheapest Volvo XC60 insurance in Mesa quotes, you have narrowed it down to a car insurance agent that can properly service your auto insurance policy. But keep in mind you are entitled to terminate coverage whenever you choose to so never feel you are locked into any particular company indefinitely.
Cheap auto insurance premiums are out there
Budget-friendly auto insurance in Mesa is possible both online in addition to many Mesa insurance agents, and you should compare rates from both to get a complete price analysis. Some companies may not provide rates over the internet and many times these smaller companies provide coverage only through independent agencies.
People who switch companies do it for a number of reasons such as not issuing a premium refund, lack of trust in their agent, delays in paying claims and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.
As you shop your coverage around, you should never buy less coverage just to save a little money. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.
Even more information can be found in the articles below:
- Coverage Information (Progressive Insurance)
- What Insurance is Cheapest for a Toyota Camry in Mesa? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Chevrolet Silverado in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Government Employees? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)