Trying to come up with a payment for high-priced auto insurance can drain your funds and put the squeeze on your family’s finances. Comparison shopping can lower your rates and help to make sure you’re not throwing money away.
It’s safe to conclude that auto insurance companies don’t want you to look for cheaper rates. Insureds who shop around for the cheapest price will, in all likelihood, switch companies because there are good odds of finding a lower-priced policy. A survey found that drivers who made a habit of comparing rate quotes saved about $860 a year compared to people who never shopped around.
If finding the cheapest price for Chevy Sonic insurance is your ultimate goal, then knowing how to find and compare insurance can make the process less intimidating.
Steps to finding cheaper Chevy Sonic insurance in Mesa
To save the most money, the best way to find affordable car insurance rates in Mesa is to do a yearly price comparison from insurance carriers who sell auto insurance in Arizona.
- First, spend some time learning about how auto insurance works and the steps you can take to drop your rates. Many risk factors that are responsible for high rates like inattentive driving and an imperfect credit score can be rectified by making minor changes in your lifestyle.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple companies.
- Third, compare the quotes to your existing coverage and see if there is a cheaper rate in Mesa. If you can save some money and change companies, ensure there is no coverage lapse between policies.
- Fourth, give notification to your agent or company to cancel your current policy. Submit payment along with a signed and completed policy application to the new company. When you receive it, store the proof of insurance paperwork in an easily accessible location.
A good tip to remember is to make sure you enter the same coverage limits and deductibles on each quote request and and to get quotes from as many carriers as you can. Doing this ensures an apples-to-apples comparison and the best rate selection.
Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every company to find the absolute lowest rate possible on Chevy Sonic insurance in Mesa.
If you have insurance now, you stand a good chance to be able to lower your rates using the ideas presented in this article. Buying the cheapest insurance in Mesa is not rocket science. Nevertheless, Arizona vehicle owners do need to learn how the larger insurance companies price online insurance because it varies considerably.
To find more affordable prices, there are a couple of ways to compare prices from many available auto insurance companies in Arizona. By far the easiest way to find the lowest Chevy Sonic rates is simply to get online rate quotes.
Comparing quotes online is fast and free, and it replaces the need to drive to and from local Mesa insurance agencies. Buying insurance online eliminates the middleman unless you want the professional assistance that you can only get from talking to an agent. Although, it is possible price shop your coverage online and still use a local agent.
Just remember that having more price comparisons provides better odds of finding better pricing. Some companies don’t provide price estimates online, so it’s necessary to compare prices from them as well.
The companies in the list below are ready to provide comparison quotes in Arizona. If multiple companies are listed, we suggest you visit several of them in order to find the most affordable rates.
These discounts can cut Chevy Sonic insurance rates
Some insurers do not list every discount they offer very well, so the following is a list of a few of the more common as well as the least known discounts that you can inquire about if you buy Mesa auto insurance online. If you aren’t receiving every discount available, you could be saving more on your auto insurance.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
- ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents and the ABS can save up to 10%.
- College Student Discount – College-age children who live away from home at college without a vehicle on campus may qualify for this discount.
- Senior Discount – Seniors may be able to get a slight reduction on a Mesa auto insurance quote.
- Driving Data Discount – Drivers who elect to allow their insurance company to analyze vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
- Drive Less and Save – Driving less could be rewarded with discounted prices on garaged vehicles.
As is typical with insurance, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous.
The best auto insurance companies and a partial list of their discounts are:
- GEICO may include discounts for multi-vehicle, air bags, anti-theft, federal employee, anti-lock brakes, and membership and employees.
- Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, company car, teen driver, student away at school, paperless, and air bags.
- American Family has savings for defensive driver, multi-vehicle, mySafetyValet, good driver, TimeAway discount, early bird, and bundled insurance.
- Esurance offers discounts including DriveSense, safety device, paid-in-full, Pac-12 alumni, emergency road assistance, and Switch & Save.
- Progressive offers discounts for homeowner, multi-policy, multi-vehicle, online signing, good student, online quote discount, and continuous coverage.
- State Farm may have discounts that include anti-theft, multiple policy, passive restraint, defensive driving training, good driver, Drive Safe & Save, and accident-free.
- AAA offers premium reductions for multi-policy, good driver, anti-theft, good student, and multi-car.
Before you buy a policy, ask every company to give you their best rates. Some of the discounts discussed earlier might not be offered in your state. To see a list of insurers that provide some of the discounts listed above in Arizona, click this link.
Three reasons to not skimp on insurance
Despite the potentially high cost of Chevy Sonic insurance, insuring your vehicle is most likely required but also gives you several important benefits.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a lienholder, it’s most likely the lender will make it a condition of the loan that you buy full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Chevy at a more expensive rate and force you to reimburse them much more than you were paying before.
- Insurance preserves both your Chevy and your personal assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. On average, a vehicle owner in Mesa overpays more than $750 every year so it’s important to compare rates at every renewal to make sure the price is not too high.
Mesa auto insurance companies
Finding a high-quality auto insurance company can be difficult considering how many different companies sell coverage in Arizona. The ranking data shown below could help you select which companies you want to consider when comparing rate quotes.
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
How to know if you need help
When quoting and choosing adequate coverage for your vehicles, there really is no one size fits all plan. Every situation is different.
These are some specific questions can aid in determining if your insurance needs may require specific advice.
- Why am I required to buy high-risk coverage?
- What vehicles should carry emergency assistance coverage?
- Do I need higher collision deductibles?
- Does medical payments coverage apply to all occupants?
- Is my teen driver covered when they drive my company car?
- Can I rate high risk drivers on liability-only vehicles?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.
Do I need an agent?
A small number of people would prefer to buy from a licensed agent and that is a personal choice. The best thing about comparing insurance prices online is the fact that you can find cheap car insurance quotes and still have a local agent.
After completing this quick form, your insurance data is immediately sent to local insurance agents in Mesa who can give free rate quotes to get your business. You don’t have to contact an agency because prices are sent to the email address you provide. You can find the lowest rates and a licensed agent to talk to. If you have a need to compare prices from a specific insurance company, don’t hesitate to jump over to their website and fill out their quote form.
Picking an company requires you to look at more than just a cheap price quote. Here are some questions you should ask.
- How often do they review coverages?
- Are they full-time agents?
- Where are claims handled?
- Do you qualify for any additional discounts?
- Are they able to influence company decisions when a claim is filed?
- Is their price quote a firm figure or are their hidden costs?
- Which companies do they recommend if they are an independent agency?