We don’t have to point out that fact that car insurance companies don’t want their customers to go rate shopping. Consumers who rate shop once a year will probably buy a different policy because they stand a good chance of finding a policy with better rates. A survey found that people who routinely shopped around saved as much as $72 a month compared to people who never compared rates.
If finding the cheapest rates on Honda Element insurance in Mesa is your objective, then knowing the best way to quote and compare auto insurance can make it easier for you to save money.
The best way we recommend to get more affordable car insurance rates in Mesa is to regularly compare quotes from companies who provide car insurance in Arizona. You can shop around by following these steps.
- First, take a little time to learn about car insurance and the measures you can take to lower rates. Many policy risk factors that drive up the price like inattentive driving and a not-so-good credit score can be eliminated by being financially responsible and driving safely. Keep reading for tips to prevent high prices and get discounts that may be overlooked.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while independent agents can provide price quotes for a wide range of companies.
- Third, compare the new rate quotes to your current policy to determine if switching companies saves money. If you can save money and change companies, verify that coverage does not lapse between policies.
- Fourth, provide proper notification to your current company to cancel your current policy. Submit the application along with any required down payment for your new policy. Be sure to keep the new certificate verifying coverage along with your vehicle registration.
A good tip to remember is that you’ll want to compare similar deductibles and liability limits on each quote request and and to analyze as many car insurance companies as possible. This guarantees an accurate price comparison and many rates to choose from.
Companies offering Honda Element insurance in Mesa
The following companies are ready to provide free rate quotes in Mesa, AZ. If you wish to find cheap auto insurance in Mesa, AZ, we recommend you compare several of them to get the most affordable price.
Rates and other information
The information shown next covers different insurance prices for Honda Element models. Having knowledge of how policy premiums are formulated can be useful when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Element LX 4WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Element EX 2WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Element EX 4WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Element SC 2WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in specific Mesa garaging location which can lower or raise rates considerably.
Physical damage deductibles
The hardest decision when buying coverage is how high should your deductibles be. The rates shown below may aid in understanding the rate differences when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Element LX 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Element EX 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Element EX 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Element SC 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Element LX 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Element LX 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Element EX 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Element EX 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Element SC 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in your specific Mesa location which can revise price quotes greatly.
Based on this data, using a $100 deductible costs roughly $20 more each month or $240 every year than choosing the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 20 months between claim filings, you would save more money if you decide on a higher deductible.
The diagram below demonstrates how deductibles and can increase or decrease Honda Element insurance rates for each different age category. The data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.
Full coverage rates compared to liability-only
The chart below shows the difference between Honda Element yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no clear-cut formula of when to stop paying for full coverage, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s pretend your Honda Element replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for full coverage, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Get cheaper rates on Honda Element insurance in Mesa with these car insurance discounts
Insuring your fleet can be pricey, but there may be some discounts to reduce the price significantly. A few discounts will be applied when you quote, but some need to be asked about prior to receiving the credit.
- Paperwork-free – A handful of companies give back up to $50 for completing your application over the internet.
- Membership in Organizations – Joining a civic or occupational organization in Mesa is a simple method to lower premiums on your bill.
- Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease with a few car insurance companies.
- Defensive Driver Discounts – Completing a driver safety course could cut 5% off your bill if your company offers it.
- Drivers Education – Teen drivers should enroll and complete driver’s education in school.
- Mesa Homeowners Discount – Owning your own home or condo may trigger a policy discount on car insurance since owning and maintaining a home requires a higher level of personal finance.
- Multiple Vehicles – Purchasing coverage when you have multiple vehicles on the same car insurance policy could earn a price break for each car.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.
The example below illustrates the difference between Honda Element insurance premiums with and without policy discounts. The prices are based on a male driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, multi-car, and homeowner discounts applied.
Large car insurance companies and the discounts they provide are included below.
- Farmers Insurance includes discounts for electronic funds transfer, pay in full, distant student, switch companies, and mature driver.
- State Farm discounts include anti-theft, Drive Safe & Save, good driver, safe vehicle, and multiple autos.
- Liberty Mutual offers premium reductions for hybrid vehicle, newly retired, safety features, new move discount, multi-policy, and multi-car.
- MetLife policyholders can earn discounts including good student, claim-free, defensive driver, accident-free, multi-policy, and good driver.
- Progressive offers discounts for continuous coverage, homeowner, good student, online signing, and online quote discount.
It’s a good idea to ask every prospective company which discounts they offer. Discounts may not be available in Mesa.
Do I need special coverages?
Always remember that when buying adequate coverage for your personal vehicles, there is no one-size-fits-all type of policy. Each situation is unique.
For instance, these questions might point out if your situation would benefit from professional advice.
- Are split liability limits better than a combined single limit?
- When would I need additional glass coverage?
- Does insurance cover tools stolen from my truck?
- Do I need to file an SR-22 for a DUI in Arizona?
- What is GAP insurance?
- Do I need rental car coverage?
- Can I cancel at any time?
- Can I use my car for my catering business?
- Where can I find high-risk insurance?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Local neighborhood agents and auto insurance
Many people just prefer to get professional advice from a licensed agent and there is nothing wrong with that. Professional insurance agents can answer important questions and will help you if you have claims. An additional benefit of price shopping on the web is the fact that you can find cheap auto insurance rates and still have a local agent.
To make it easy to find an agent, after completing this simple form, your insurance coverage information gets sent to local insurance agents in Mesa that provide free Mesa auto insurance quotes for your business. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered to the email address you provide. If you wish to quote rates from a particular provider, you would need to navigate to their website and give them your coverage information.
Deciding on a provider shouldn’t rely on just the premium amount. Any good agent in Mesa should know the answers to these questions.
- Do they get extra compensation for selling add-on coverages?
- Is there any savings for paying the full premium?
- Does the agent help file claims?
- Are aftermarket or OEM parts used to repair vehicles?
- Will one accident increase rates?
Do you need an independent or exclusive car insurance agent?
When narrowing the list to find a reliable insurance agency, there are two different types of agents and how they can write your policy. Auto insurance policy providers are categorized either exclusive or independent. Both types of agents can sell and service auto insurance coverage, but we need to point out the differences because it may have an impact on your selection of an agent.
Exclusive Insurance Agents
Exclusive agents write business for a single company such as State Farm, AAA, and Liberty Mutual. These agents are not able to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Consumers often buy from exclusive agents mainly due to the prominence of the brand rather than having low rates.
Listed below is a list of exclusive insurance agents in Mesa who can help you get price quotes.
- Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map - Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 – View Map - Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map
Independent Auto Insurance Agents
Agents of this type are appointed with more than one company so they can write business through lots of different companies and possibly get better coverage at lower prices. If you want to switch companies, the business is moved internally and you can keep the same agent.
When searching for an agent, you need to get some free quotes from independent agents in order to compare the most rates. A lot of them also have access to smaller regional carriers that may provide cheaper auto insurance rates.
Shown below are Mesa independent agencies that are able to give price quote information.
- Bryant Insurance Agency, LLC
2941 N Power Rd Suite 101 – Mesa, AZ 85215 – (480) 448-1555 – View Map - Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map - Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map
Cheaper auto insurance is a realistic goal
Throughout this article, we presented some good ideas how you can save on Honda Element insurance in Mesa. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable Honda Element insurance quotes. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising.
Cost effective Honda Element insurance is possible on the web and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide price quotes online and these small, regional companies only sell coverage through local independent agents.
When you buy Mesa auto insurance online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.
Additional learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Affordable Mesa Car Insurance Quotes for Good Drivers? (FAQ)
- Who Has Cheap Mesa Car Insurance for Handicapped Drivers? (FAQ)
- How Much are Mesa Car Insurance Quotes for Nurses? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Rates for First-time Drivers? (FAQ)
- Teen Driving and Texting (State Farm)
- Determining Auto Insurance Rates (GEICO)
- How to shop for a safer car (Insurance Institute for Highway Safety)