Best Chevy Traverse Insurance in Mesa

If saving the most money is your goal, then the best way to find low-cost prices for auto insurance rates in Mesa is to make a habit of comparing prices annually from providers in Arizona.

1. Try to understand how insurance companies determine prices and the changes you can make to keep rates low. Many rating factors that drive up the price such as careless driving and a less-than-favorable credit rating can be controlled by making lifestyle changes or driving safer. This article gives tips to get cheaper coverage and earn a bigger discount.
2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for many different companies.
3. Compare the quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.

A crucial key to this process is to use identical deductibles and limits on every quote and and to get price quotes from as many companies as you can. This provides a level playing field and a better comparison of the market.

Smart shoppers know that car insurance companies don’t want you comparing rates. People who get comparison quotes at least once a year are very likely to buy a new policy because there is a good chance of finding a more affordable policy. A study discovered that consumers who compared rates once a year saved over $3,400 over four years compared to other drivers who never compared other company’s rates.

If finding the best rates on insurance is your target objective, then having some insight into how to get price quotes and compare coverage rates can make it easier for you to save money.

Most of the larger companies allow you to get price estimates from their websites. Getting online quotes for Chevy Traverse insurance in Mesa is very simple as all you need to do is type in the amount of coverage you want into a form. Once you submit the form, the company’s rating system will obtain credit information and your driving record and generates a price based on many factors. Getting online rates for Chevy Traverse insurance in Mesa helps simplify price comparisons, and it’s also necessary to do this if you want to get the best possible rates on insurance.

To get comparison pricing now, compare quotes from the companies shown below. If you have a policy now, it’s recommended you enter the coverages exactly as they are listed on your policy. Doing this guarantees you’re receiving rate comparison quotes based on identical coverages.

The auto insurance companies shown below provide quotes in Mesa, AZ. If your goal is to find cheap auto insurance in Mesa, it’s highly recommended you click on several of them to get the cheapest price.

Coverage analysis

The rate information shown next covers a range of coverage costs for Chevy Traverse models. Knowing how car insurance prices are formulated can assist in making informed decisions when shopping around for a new policy.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in specific Mesa garaging location which can change coverage rates significantly.

Should you raise deductibles?

The hardest decision when buying coverage is where to set your physical damage deductibles. The figures shown below lay out the differences in premium rates when you select higher and lower insurance deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can revise auto insurance rates substantially.

Based on these figures, using a $100 deductible would cost the average driver about $20 more each month or $240 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 20 months between claim filings, you would probably come out ahead if you choose the higher deductible. Here is an example of how this calculation is made.

An important thing to remember is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense at claim time. It will be required that you have enough disposable income in the event you need to pay the deductible.

Auto insurance rates are higher with tickets and accidents

The example below highlights how speeding tickets and at-fault claims can impact Chevy Traverse car insurance rates for different insured age categories. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Cost of full coverage

The chart below compares Chevy Traverse auto insurance costs with and without physical damage coverage. The prices are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no set guideline to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Chevy Traverse book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

Car insurance does more than just repair your car

Despite the high cost of buying insurance for a Chevy Traverse in Mesa, paying for car insurance serves a purpose in several ways.

First, most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to drive the car legally. 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.

Second, if you bought your Traverse with a loan, more than likely the lender will require that you have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Chevy at an extremely high rate and require you to fork over much more than you were paying before.

Third, car insurance protects your Chevy and your assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $850 per year so we recommend shopping around every year to ensure rates are competitive.

Components of Your Chevy Traverse Insurance Costs

Smart consumers have a good feel for some of the elements that are used to determine insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Lots of things are part of the calculation when quoting car insurance. Some are obvious such as traffic violations, but others are not as apparent such as your marital status or your financial responsibility.

The items below are some of the major factors companies use to determine your rates.

• Only buy what you need – Insurance policies have a lot of add-on coverages that may not really be needed if you aren’t diligent. Coverages for replacement cost coverage, better glass coverage, and additional equipment coverage could be just wasting money. These coverages may sound good initially, but your money might be better spent on other coverage so remove them from your policy.
• Limits of liability insurance – The liability coverage on your policy kicks in in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Is you employer costing you more? – Careers like military generals, social workers, and stock brokers are shown to have the highest average rates attributed to intense work requirements and lots of time spent away from family. Other professions such as professors, athletes and homemakers pay the least.
• Credit score impacts premium costs – A driver’s credit score is likely to be a major factor in your rate calculation. Drivers who have very good credit scores tend to be better risks to insure than drivers with bad credit. If your credit history could use some work, you could potentially save money when insuring your Chevrolet Traverse if you clean up your credit.

• How your age affects rates – Teen drivers in Arizona are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher insurance rates. Parents adding a beginning driver to your policy will cause a huge premium hike. Older, more experienced drivers are viewed as being more responsible, file fewer claims, and usually have better credit.

  The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Women pay lower costs – Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Women and men are in accidents in similar percentages, but men tend to have higher claims. Men also get more serious tickets such as reckless driving.

  The illustration below shows the difference between Chevy Traverse car insurance rates for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

• Claims statistics for a Chevy Traverse – Companies use past insurance losses to help calculate a profitable premium price. Models that are shown to have higher frequency or amount of claims will have higher rates.

  The information below illustrates the actual insurance loss data for Chevy Traverse vehicles. For each type of coverage, the loss probability for all vehicles as a whole is set at 100. Values below 100 indicate a favorable loss history, while numbers above 100 point to more losses or an increased probability of a larger loss.

  
  

  Chevrolet Traverse Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Traverse 4dr 2WD	75	101	72	93	90	90
  Chevrolet Traverse 4dr 4WD	72	91	82	78	76	78

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Chevy Traverse insurance discounts in Mesa

Insurance can be pricey, but you may qualify for discounts that many people don’t even know exist. Most are applied when you quote, but occasionally some discounts must be asked for in order for you to get them. If you’re not getting every credit available, you are not getting the best rate possible.

• Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with slightly better rates than normal.
• Telematics Discount – Drivers that enable driving data collection to monitor driving manner through the use of a telematics system like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
• Save with a New Car – Insuring a new Traverse can save you some money compared to insuring an older model.
• Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
• Paper-free Discount – Many larger companies provide a small discount for buying your policy on the web.

Drivers should understand that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works. But any discount will lower your policy premium.

The chart below shows the comparison of Chevy Traverse car insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, multi-policy, and safe-driver discounts applied.

If you would like to choose from a list of insurers offering insurance discounts in Mesa, click here.

You may require the services of a local insurance agent

A lot of people still like to talk to an insurance agent and that is a smart decision A nice benefit of comparing rates online is the fact that drivers can get the best rates and still have an agent to talk to. Supporting local insurance agencies is important particularly in Mesa.

For easy comparison, once you complete this quick form, your insurance data is instantly submitted to local insurance agents that can provide free Mesa car insurance quotes for your business. It makes it easy because there is no need to search for an agent since rate quotes are delivered to your email. Get lower rates AND an agent nearby. If you have a need to quote rates from one company in particular, you would need to navigate to their website and fill out their quote form.

Types of car insurance agents in Mesa

When searching for an insurance agent, it’s helpful to know the different types of agents that you can choose from. Insurance agencies in Mesa can be described as either independent or exclusive.

Independent Insurance Agents

Independent agents are not required to write business for one company so they have the ability to put coverage through lots of different companies and find the cheapest rate. If you want to switch companies, your agent can switch companies and you don’t have to switch agencies.

If you are trying to find cheaper rates, we recommend you get insurance quotes from several independent insurance agents to get the most accurate price comparison.

Shown below are independent insurance agencies in Mesa that can give you free auto insurance quotes.

View more agents

Exclusive Auto Insurance Agencies

Agents of this type can only write with one company like AAA, Allstate, and State Farm. Exclusive agents are unable to provide other company’s prices so always compare other rates. They receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates.

Below are exclusive agencies in Mesa willing to provide price quotes.

View more agents

Finding a good auto insurance agent is decision based upon more than just a low price. The following questions are important to ask.

• Do the coverages you’re quoting properly cover your vehicle?
• Where are claims handled?
• Can you get a list of referrals?
• Are there any extra charges for paying monthly?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• How many years have they been established?

Best car insurance in Arizona

Finding the highest-rated auto insurance company is hard considering how many companies are available to choose from in Arizona. The ranking data shown below may help you choose which auto insurance companies to look at comparing price quotes from.

Top 10 Mesa Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Mesa Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Get the best coverage at the lowest price

You just read many ways to get a better price on Chevy Traverse insurance in Mesa. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company. Some small companies often have lower car insurance rates on specific markets than their larger competitors like Allstate and Progressive.

Lower-priced Chevy Traverse insurance in Mesa can be bought on the web and also from your neighborhood Mesa agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and many times these small insurance companies work with independent agents.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

To learn more, take a look at the resources below:

• Airbag FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Rates for Drivers with Good Credit in Mesa? (FAQ)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Institute)
• Speed and Speed Limit FAQ (iihs.org)