If you want to find the absolute lowest rates, then the best way to find lower priced car insurance rates in Mesa is to make a habit of comparing prices annually from insurance carriers who provide car insurance in Arizona.
Step 1: Spend some time learning about the different coverages in a policy and the measures you can control to prevent expensive coverage. Many rating factors that cause rate increases such as traffic tickets, fender benders, and a low credit score can be improved by improving your driving habits or financial responsibility. Continue reading for additional ideas to help reduce prices and get additional discounts that may be available.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple insurance companies.
Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current agent or company to cancel your current car insurance policy. Submit the completed application along with a down payment for the new coverage. Once the application is submitted, keep your new certificate verifying coverage in your vehicle’s glove compartment or console.
The most important part of shopping around is that you’ll want to compare the same physical damage deductibles and liability limits on each price quote and and to get rates from as many companies as feasibly possible. Doing this provides an apples-to-apples comparison and the best price quote selection.
Unbelievably, most insurance buyers have stayed with the same insurance company for at least four years, and just short of a majority have never taken the time to shop around. Arizona insurance shoppers could cut their rates by about $730 a year by just comparing rate quotes, but they just feel it’s too hard to compare rates.
Finding more affordable Toyota Avalon Hybrid insurance quotes can be surprisingly simple. The only thing you need to do is take a few minutes comparing free Mesa auto insurance quotes from online providers.
The companies shown below have been selected to offer quotes in Arizona. If you want to find the best cheap auto insurance in AZ, it’s highly recommended you visit two to three different companies to get the most affordable price.
Cheap Toyota Avalon Hybrid insurance rates in Mesa
Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. A few discounts will be applied when you purchase, but some discounts are required to be inquired about in order for you to get them.
- Discount for Good Grades – Excelling in school may save as much as 25% on a Mesa auto insurance quote. You can use this discount normally up until you turn 25.
- Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
- Drive Safe and Save – Insureds without accidents may save up to 50% more compared to accident prone drivers.
- Passive Restraints – Options like air bags or automatic seat belts may get savings of 20 to 30 percent.
- Early Renewal Discounts – Some insurance companies reward drivers for signing up before your current coverage expires. You could save around 10% when you buy Mesa auto insurance online.
- Low Miles Discount – Low annual miles could be rewarded with slightly better prices than normal.
- ABS Brakes – Cars equipped with ABS or steering control can reduce accidents and will save you 10% or more on Avalon Hybrid insurance in Mesa.
- First Accident Forgiveness – This one isn’t a discount, but some companies like Progressive and Allstate will let one accident slide before raising your premiums so long as you haven’t had any claims for a specific time period.
Please keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.
Some of the larger companies that have some of the above discounts possibly include:
If you need lower rates, check with each company which credits you are entitled to. Savings may not apply to policies in Mesa. For a list of providers that offer multiple discounts in Mesa, click here to view.
Local Mesa insurance agents
Many drivers prefer to go talk to an agent and that is a personal choice. Licensed agents will help you protect your assets and help in the event of a claim. One of the best bonuses of comparing rate quotes online is the fact that you can find better rates but still work with a licensed agent. And providing support for local agencies is important particularly in Mesa.
Once you complete this form (opens in new window), the coverage information is immediately sent to agents in your area that can provide free Mesa auto insurance quotes for your coverage. You won’t need to visit any agencies because quoted prices will be sent directly to your email. If you have a need to compare prices from a specific auto insurance provider, you can always search and find their rate quote page and fill out their quote form.
If you are wanting to find a reliable insurance agent, you should know the different types of agents and how they can quote your rates. Auto insurance agencies are classified as either independent (non-exclusive) or exclusive. Either can sell and service auto insurance coverage, but it’s worth learning the differences since it can impact which agent you choose.
Independent Agencies or Brokers
Independent insurance agents can sell policies from many different companies so they have the ability to put coverage through many companies and find you the best rates. If they find a cheaper price, the business is moved internally which makes it simple for you.
When searching for an agent, we recommend you get some free quotes from independent agents to get the best comparison. Many independent agencies also insure through smaller regional carriers which may have better rates.
The following is a short list of independent agents in Mesa that may be able to provide free rate quotes.
- Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 – View Map - Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map - Jarosch Insurance
2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents generally can only insure with one company and some examples include AAA, Allstate, and State Farm. Exclusive agents are unable to give you multiple price quotes so keep that in mind. They receive a lot of sales training on the products they sell which helps them compete with independent agents. Consumers frequently purchase coverage from exclusives partially due to the prominent brand name rather than having the cheapest rates.
Listed below is a list of exclusive insurance agencies in Mesa that are able to give rate quotes.
- American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 – View Map - Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033 – View Map - Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140 – View Map
Picking a insurance agency needs to be determined by more than just the premium amount. The answers to these questions are important, too.
- Does the agency have a positive business rating?
- How long has their agency been open in Mesa?
- How much experience to they have in personal lines coverages?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the quote a firm price?
- Which family members are covered?
- Do the agents have professional certifications like CPCU or CIC?
- What discounts might you be missing?
Lower Your Mesa Insurance Costs
It’s important that you understand the different types of things that help determine insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to cheaper rates.
The list below includes some of the things that factor into premiums.
Know your credit rating – Your credit history is a big factor in calculating your premium rate. If your credit history is not that good, you could be paying less to insure your Toyota Avalon Hybrid if you clean up your credit. People with high credit scores tend to be less risk to insure than those with poor credit.
Bump up comp and collision deductibles to lower rates – Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your Toyota. Examples of some claims that would be covered could be collision with another vehicle, hitting a deer, and having your car stolen. Physical damage deductibles define the amount you are required to spend if a covered claim is submitted. The larger the amount you’re willing to pay, the less your company will charge you for insurance.
Never go without insurance – Driving without insurance coverage in place is a misdemeanor and insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a revoked license or a big fine. You may then have to file a SR-22 with the Arizona DMV.
Rates impacted by vehicle usage – The higher the miles on your Toyota in a year the higher the price you pay to insure it. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your policy is showing the right rating data, because it can save money. An incorrectly rated Avalon Hybrid may be costing you.
Performance impacts insurance costs – The type of car you are trying to find cheaper insurance for makes a huge difference in how high your rates are. The lowest premiums tend to be for smaller low performance passenger cars, but that’s not the only thing that factors into the final price.
Toyota Avalon Hybrid insurance loss data – Companies include the past claim history for a vehicle to help calculate a profitable premium rate. Models that are shown to have higher prevalence or dollar amount of losses will have higher rates.
The data below shows the insurance loss data for Toyota Avalon Hybrid vehicles. For each type of coverage, the claim amount for all vehicles averaged together is considered to be 100. Percentage values below 100 suggest a better than average loss history, while values over 100 point to more losses or larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Avalon Hybrid | 120 | 72 | 132 | 107 | 85 | 80 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Protect your Avalon Hybrid and other assets
Even though it can be expensive, insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage in order to get the vehicle licensed. 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 you have a lien on your vehicle, almost all lenders will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Toyota at a much higher rate and require you to fork over the higher price.
- Insurance protects both your vehicle and your personal assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying insurance more than offset the price you pay, especially for larger claims. Today the average American driver is overpaying over $700 annually so compare quotes from several companies at least once a year to be sure current rates are still competitive.
Be persistent to save money
In this article, we presented a lot of ways to shop for Toyota Avalon Hybrid insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper Mesa auto insurance quotes. Drivers may even discover the best prices are with a company that doesn’t do a lot of advertising.
When you buy Mesa auto insurance online, never reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.
People who switch companies do it for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, denial of a claim or high prices. Whatever your reason, switching car insurance companies can be easier than you think.
Much more information about car insurance in Arizona is located at the links below
- Rental Car Insurance Tips (Insurance Information Institute)
- What Insurance is Cheapest for a Nissan Altima in Mesa? (FAQ)
- Who Has Cheap Auto Insurance for a 20 Year Old Male in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Kia Optima in Mesa? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Requiring a SR22 in Mesa? (FAQ)
- Who Has Affordable Mesa Car Insurance for a Ford Escape? (FAQ)
- Who Has Affordable Mesa Car Insurance Rates for Veterans? (FAQ)
- What Car Insurance is Cheapest for Felons in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Inexperienced Drivers in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a School Permit in Mesa? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- Parking Tips to Reduce Door Dings (State Farm)