The best way to get discount car insurance rates is to start doing an annual price comparison from different companies who sell auto insurance in Mesa.
First, gain an understanding of what is in your policy and the things you can change to prevent high rates. Many risk factors that cause high rates such as traffic citations and an imperfect credit history can be controlled by making minor driving habit or lifestyle changes.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can provide prices for many different companies. View insurance agents
Third, compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you can save some money, make sure there is no lapse in coverage.
Fourth, provide written notification to your current company of your decision to cancel your existing policy. Submit a completed application and payment for your new coverage. As soon as you have the new policy, store the certificate of insurance with your registration paperwork.
An important part of this process is to use the same liability limits and deductibles on each price quote and and to get price estimates from as many companies as you can. This ensures an apples-to-apples comparison and the best rate selection.
It’s an obvious conclusion that auto insurance companies want to keep you from comparing rates. People who shop rates annually are very likely to buy a new policy because there is a high probability of finding a cheaper policy. A recent study showed that people who regularly compared price quotes saved about $850 each year as compared to drivers who don’t make a habit of comparing rates.
If finding the best rates on insurance is your intention, knowing how to get free comparison quotes and analyze insurance can make it easier for you to save money.
Companies offering Ford F-350 insurance in Arizona
The car insurance companies shown below have been selected to offer comparison quotes in Mesa, AZ. To find cheaper car insurance in AZ, it’s a good idea that you click on several of them to get the most affordable price.
Coverage statistics and figures
The coverage information displayed next covers detailed analysis of policy rates for Ford F-350 models. Being more informed about how premiums are figured can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| F-350 XL Crew Cab 4WD | $182 | $382 | $508 | $30 | $152 | $1,254 | $105 |
| F-350 XL Super Cab 4WD | $182 | $382 | $508 | $30 | $152 | $1,254 | $105 |
| F-350 XL Super Cab 2WD | $204 | $324 | $338 | $20 | $102 | $988 | $82 |
| F-350 Super Cab Cabela Package 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 Super Cab Cabela Package 2WD | $204 | $382 | $338 | $20 | $102 | $1,046 | $87 |
| F-350 XL Crew Cab 2WD | $204 | $382 | $338 | $20 | $102 | $1,046 | $87 |
| F-350 Crew Cab Harley Edition 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 Super Cab Harley Edition 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 Crew Cab King Ranch 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 XLT Crew Cab 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 XL Super Cab Turbo Diesel 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 XLT Super Cab 4WD | $204 | $382 | $508 | $30 | $152 | $1,276 | $106 |
| F-350 XLT Super Cab 2WD | $204 | $382 | $338 | $20 | $102 | $1,046 | $87 |
| F-350 XL Crew Cab Cabela Package 2WD | $204 | $382 | $338 | $20 | $102 | $1,046 | $87 |
| F-350 XL Crew Cab King Ranch 2WD | $204 | $382 | $338 | $20 | $102 | $1,046 | $87 |
| F-350 Crew Cab Lariat 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 Crew Cab King Ranch Turbo Diesel 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 Crew Cab Cabela Package 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 XL Crew Cab Turbo Diesel 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 Super Cab Lariat 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 Super Cab Cabela Turbo Diesel 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 XLT Super Cab Turbo Diesel 4WD | $204 | $440 | $508 | $30 | $152 | $1,334 | $111 |
| F-350 Super Cab Lariat 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 XL Super Cab Turbo Diesel 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 Super Cab Harley Edition 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 XLT Crew Cab 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 XLT Crew Cab Lariat 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 XLT Crew Cab Harley Edition 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 XL Crew Cab Turbo Diesel 2WD | $224 | $382 | $338 | $20 | $102 | $1,066 | $89 |
| F-350 Super Cab Lariat Turbo Diesel 4WD | $224 | $440 | $508 | $30 | $152 | $1,354 | $113 |
| F-350 XLT Crew Cab Turbo Diesel 4WD | $224 | $440 | $508 | $30 | $152 | $1,354 | $113 |
| F-350 Crew Cab Harley Turbo Diesel 4WD | $224 | $440 | $508 | $30 | $152 | $1,354 | $113 |
| F-350 Super Cab Harley Turbo Diesel 4WD | $224 | $440 | $508 | $30 | $152 | $1,354 | $113 |
| F-350 XLT Crew Cab Cabela Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| F-350 Super Cab Harley Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| F-350 Super Cab Cabela Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| F-350 Super Cab XLT Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| F-350 Crew Cab Lariat Turbo Diesel 4WD | $224 | $440 | $508 | $30 | $152 | $1,354 | $113 |
| F-350 Crew Cab Cabela Turbo Diesel 4WD | $224 | $440 | $508 | $30 | $152 | $1,354 | $113 |
| F-350 Crew Cab Lariat Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| F-350 Super Cab Lariat Turbo Diesel 2WD | $224 | $440 | $338 | $20 | $102 | $1,124 | $94 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can change prices considerably.
Violations and accidents raise rates
The information below highlights how speeding tickets and fender-benders can influence Ford F-350 car insurance costs for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Difference between liability only and full coverage rates
The chart below shows the difference between Ford F-350 insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no clear-cut rule for dropping physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Ford F-350 replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after the deductible is paid. If it’s costing in excess of $300 a year for physical damage coverage, then it might be time to buy liability only.
There are a few cases where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
You may qualify for discounts for Ford F-350 insurance in Mesa
Some providers don’t always list all possible discounts in a way that’s easy to find, so below is a list a few of the more common as well as some of the hidden savings tricks you should be using when you buy Mesa car insurance online.
- Save with More Vehicles Insured – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
- Resident Student – Older children who live away from home to go to college and don’t have a car can be insured at a reduced rate.
- Telematics Data Discounts – Mesa drivers who agree to allow companies to spy on their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
- Accident-Free Discounts – Good drivers with no accidents can save substantially as opposed to drivers who are more careless.
- Passive Restraints and Air Bags – Factory air bags or motorized seat belts may qualify for discounts as much as 30%.
- Responsible Driver Discounts – Safe drivers can save as much as half off their rates than their less cautious counterparts.
- Discount for Good Grades – Getting good grades may save you up to 25%. The discount lasts up until you turn 25.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The illustration below compares Ford F-350 car insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.
To choose companies that offer discounts in Arizona, click here.
Compare rates but buy from a local Mesa insurance agency
Some people still like to get advice from a local agent and there is nothing wrong with that. One of the great benefits of getting online price quotes is the fact that drivers can get better rates and still have an agent to talk to. And buying from local insurance agencies is important particularly in Mesa.
To help locate an agent, after submitting this form (opens in new window), your insurance data is submitted to local insurance agents who want to provide quotes for your coverage. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent to your email. Get lower rates without a big time investment. In the event you want to get a price quote for a specific company, you can always go to their quote page and submit a quote form there.
If you prefer to buy auto insurance from a local Mesa insurance agency, it’s important to understand the different types of agents and how they function. Agents can either be independent (non-exclusive) or exclusive.
Independent Auto Insurance Agents
Agents that choose to be independent are not required to write business for one company and that allows them to write policies amongst many companies and find you cheaper rates. To move your coverage to a new company, they simply move your policy to a different company and you can keep the same agent. When comparing rates, you will want to contact at least one independent agent to ensure the widest selection of prices.
Shown below are Mesa independent insurance agents that may be able to give you price quote information.
Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map
Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map
The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents are contracted to one company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are highly trained on what they offer which helps overcome the inability to quote other rates.
The following is a list of exclusive insurance agents in Mesa willing to provide comparison quotes.
Allstate Insurance: Cameron Berrett
5052 S Power Rd #104 – Mesa, AZ 85212 – (480) 454-7518 – View Map
Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map
Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map
Finding the right auto insurance agent should depend on more than just a cheap quote. The questions below may impact your decision as well.
- If your car is totaled, how to they determine the replacement cost?
- Are there any discounts that you might be missing?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does the agency provide any after hours assistance?
- Does the agent help file claims?
- Do they have designations such as AIC, CPCU, or CIC?
- Who is covered by the car insurance policy?
What is YOUR best insurance company?
The cheapest Ford F-350 insurance in Mesa can be sourced online and with local Mesa insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer rates over the internet and these small, regional companies provide coverage only through independent insurance agencies.
You just read quite a bit of information on how to shop for Ford F-350 insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the lowest priced auto insurance comes from a small mutual company. Regional companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate and Progressive.
As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best cost, not the least amount of coverage.
Much more information about auto insurance in Arizona can be read below:
- Comprehensive Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Low Income Drivers in Mesa? (FAQ)
- How Much are Mesa Auto Insurance Rates for Uber Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Mesa? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)