Want to learn how to find the cheapest Toyota Yaris iA insurance in Mesa? Nobody that owns a car likes buying insurance, in particular when they could find better rates elsewhere.
Anyone knows that insurance companies don’t want policyholders to shop around. Insureds who shop around for cheaper price quotes will presumably switch companies because of the high probability of finding a lower rate. A study showed that consumers who faithfully checked for cheaper rates saved $850 each year compared to drivers who don’t make a habit of comparing rates.
If finding the best price on Toyota Yaris iA insurance is your objective, then having an understanding of how to shop for car insurance can make it simple to find affordable coverage. You have so many insurance companies to choose from, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost insurance.
It’s a good idea to do rate comparisons as often as possible because rates are usually higher with each renewal. Just because you had the lowest premium rates on Toyota Yaris iA insurance in Mesa at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re going to learn the proper way to find better rates and still maintain coverage.
Lower rates by qualifying for discounts
Some providers do not list their entire list of discounts in a way that’s easy to find, so we researched both the well known and the more hidden discounts that you may qualify for.
- Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Auto/Home Discount – When you combine your auto and home insurance with one insurance company you may earn up to 20% off your total Yaris iA insurance premium.
- Accident Free – Drivers who don’t have accidents can save substantially in comparison to policyholders that have many claims.
- Federal Employees – Active or former government employment may qualify for a discount when you quote Mesa auto insurance with some insurance companies.
- Telematics Devices – Mesa drivers who agree to allow data collection to monitor driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they are good drivers.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you could get a free insurance policy, you won’t be that lucky.
Companies and their offered discounts can be read below.
- GEICO may offer discounts for federal employee, good student, anti-theft, anti-lock brakes, driver training, and air bags.
- USAA has savings for driver training, military installation, multi-policy, multi-vehicle, and good student.
- Progressive has discounts for good student, multi-policy, online quote discount, continuous coverage, online signing, and multi-vehicle.
- American Family policyholders can earn discounts including multi-vehicle, TimeAway discount, early bird, mySafetyValet, good driver, and accident-free.
- Esurance offers discounts for defensive driver, claim free, paid-in-full, Switch & Save, anti-theft, good student, and multi-car.
- Farmers Insurance may have discounts that include distant student, youthful driver, early shopping, alternative fuel, electronic funds transfer, homeowner, and business and professional.
- State Farm discounts include passive restraint, driver’s education, good student, anti-theft, good driver, and defensive driving training.
Check with every insurance company what discounts are available to you. Some discounts listed above might not apply in your state. To find insurers that offer discounts in Arizona, follow this link.
The following companies can provide comparison quotes in Arizona. To find cheaper car insurance in Mesa, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.
How to know if you need help
When it comes to buying insurance from an agent or online for your vehicles, there really isn’t a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that.
These are some specific questions may help you determine if your situation may require specific advice.
- Are there any extra discounts I can get?
- How can I force my company to pay a claim?
- At what point should I drop full coverage?
- Am I covered when driving someone else’s vehicle?
- Is my trailer covered?
- Why am I required to get a high-risk car insurance policy?
- Should I carry comprehensive and collision coverage?
- Am I covered if my car is in a flood?
- Is my dog or cat covered if injured in an accident?
- Do I need replacement cost coverage?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Do I need an agent?
Many people prefer to visit with an insurance agent and doing so can bring peace of mind Licensed agents are trained to spot inefficiencies and help you file claims. One of the benefits of comparing insurance prices online is that you can find the best rates and still choose a local agent.
After filling out this form (opens in new window), the quote information gets sent to agents in your area who will give you bids for your coverage. You won’t even need to drive around as quotes are delivered directly to you. In the event you want to get a price quote for a specific company, you would need to visit that company’s website and fill out their quote form.
Choosing the best insurer requires you to look at more than just the bottom line cost. Any agent in Mesa should have no problem answering these questions:
- Is insurance their full-time profession?
- How does the company pay claims for a total loss?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will your rates increase after a single accident?
- Is assistance available after office hours?
If you are wanting to find an insurance agent, there are a couple of different agency structures and how they can write your policy. Agents are considered either independent (non-exclusive) or exclusive. Both can do a good job, but it’s a good idea to understand the differences because it can impact the kind of agent you use.
Exclusive Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates such as State Farm or Allstate. These agents are unable to provide other company’s prices so they have no alternatives for high prices. These agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets.
Listed below is a short list of exclusive insurance agents in Mesa willing to provide comparison quotes.
Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map
American Family Insurance – Angela Williams Agency, Mesa, AZ
9221 E Baseline Rd Ste A106 – Mesa, AZ 85209 – (480) 354-6300 – View Map
Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map
Independent Agencies or Brokers
These agents do not sell for just one brand so they can write business with many different companies and get you the best rates possible. If they find a cheaper price, your agent can switch companies which makes it simple for you. When comparison shopping, it’s a good idea to get quotes from at least one independent agent to ensure the widest selection of prices.
Listed below are independent insurance agencies in Mesa that can give you comparison quotes.
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map
Kohlhase Insurance
6550 E Main St – Mesa, AZ 85205 – (480) 832-8370 – View Map
Best auto insurance company in Arizona
Finding the right auto insurance provider can be a challenge considering how many choices drivers have in Mesa. The rank data listed below could help you pick which auto insurers you want to consider when shopping around.
| 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 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Do the work, save more money
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability limits or collision coverage only to regret that they should have had better coverage. Your goal should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.
We’ve covered a lot of techniques to compare Toyota Yaris iA insurance car insurance rates in Mesa. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest Toyota Yaris iA rate quotes. Drivers may even discover the most savings is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
How to find better rates for Toyota Yaris iA insurance in Mesa
If your goal is the lowest price, then the best way to get discount Toyota Yaris iA insurance in Mesa is to start doing an annual price comparison from insurers who sell auto insurance in Arizona.
- First, try to understand the coverage provided by your policy and the things you can control to keep rates down. Many factors that result in higher prices like traffic violations and poor credit history can be eliminated by paying attention to minor details.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide rate quotes from many different companies. Click to view companies
- Third, compare the new quotes to the price on your current policy and see if there is a cheaper rate in Mesa. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
- Fourth, give notification to your agent or company of your decision to cancel your existing policy. Submit a down payment along with a signed application to the new company. Be sure to put the new certificate of insurance along with your vehicle registration.
A good tip to remember is to try to use identical coverages on every quote request and and to get price quotes from as many companies as you can. This guarantees a fair rate comparison and maximum price selection.
Even more information can be found in the articles below:
- Cellphones, Texting and Driving (iihs.org)
- What Auto Insurance is Cheapest for 4×4 Vehicles in Mesa? (FAQ)
- What Auto Insurance is Cheapest for Uninsured Drivers in Mesa? (FAQ)
- What Insurance is Cheapest for a Ford F-150 in Mesa? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Company Car in Mesa? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Mesa? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Auto Insurance 101 (About.com)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)