A study showed that a large majority of insurance policyholders have been with the same company for well over three years, and nearly 40% of drivers have never compared rates to find affordable insurance. With the average premium in Arizona being $1,578, drivers could save up to $730 a year by just comparing quotes, but they don’t believe how much savings they would realize if they switched to a more affordable policy.
If you want to save the most money, the best way to find cheaper car insurance rates is to compare prices annually from companies in Mesa.
- Try to learn about how insurance companies determine prices and the measures you can take to prevent rate increases. Many policy risk factors that result in higher rates like speeding and a low credit score can be remedied by making minor changes to your lifestyle. Later in this article we will cover additional tips to find cheap prices and earn a bigger discount.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while independent agents can provide prices for many different companies.
- Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you find better rates and switch companies, ensure coverage does not lapse between policies.
- Provide notification to your current agent or company of your intention to cancel your existing policy. Submit the required down payment along with the signed application to the newly selected company. Once the application is submitted, place your new proof of insurance paperwork in an easily accessible location.
A crucial key to this process is to compare the same level of coverage on every quote request and and to compare as many companies as you can. Doing this helps ensure the most accurate price comparison and the most accurate and complete price analysis.
Lower-cost Mesa car insurance quotes with discounts
Some providers don’t always publicize all possible discounts very well, so we researched some of the more common as well as the least known credits available to lower your premiums when you buy Mesa car insurance online. If you do not check that you are getting every discount you qualify for, you could be saving more on your car insurance.
- Professional Memberships – Joining qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
- Defensive Driving Course – Taking time to complete a defensive driver course is a good idea and can lower rates if you qualify.
- Onboard Data Collection – People who choose to allow companies to track driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they have good driving habits.
- Cautious Driver Discounts – Accident-free drivers can pay as much as 50% less than less cautious drivers.
- Drive Less and Save – Low annual miles could earn discounted premium rates on garaged vehicles.
- Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
- Claim-Free Discount – Insureds with no claims or accidents can earn big discounts compared to bad drivers.
- Federal Government Employee – Active or former government employment could cut as much as 10% off with select insurance companies.
- Distant Student Discount – Children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
- Paperless Signup – Many insurance companies provide a small discount just for signing your application on your computer.
A quick disclaimer, most discount credits are not given to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The chart below shows the comparison of Mitsubishi Outlander car insurance costs with and without discounts applied to the premium. The data is based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, homeowner, multi-policy, and marriage discounts applied.
Large car insurance companies and some of the discounts are detailed below.
- GEICO may offer discounts for driver training, anti-lock brakes, emergency military deployment, defensive driver, military active duty, daytime running lights, and federal employee.
- USAA offers discounts for family discount, loyalty savings, vehicle storage, military installation, multi-policy, safe driver, and driver training.
- Progressive includes discounts for multi-policy, continuous coverage, good student, online quote discount, homeowner, and multi-vehicle.
- American Family may have discounts that include TimeAway discount, bundled insurance, accident-free, multi-vehicle, Steer into Savings, good driver, and defensive driver.
- Esurance has discounts for claim free, anti-lock brakes, safety device, multi-policy, good student, DriveSense, and paid-in-full.
- Farmers Insurance may include discounts for early shopping, distant student, multi-car, business and professional, and homeowner.
- State Farm has savings for anti-theft, defensive driving training, multiple autos, Steer Clear safe driver discount, and good driver.
Check with each company to apply every possible discount. Discounts may not apply to policies in your area.
It’s important to know that making a lot of price comparisons increases your odds of finding a lower rate. Some regional insurers cannot provide Mesa Outlander insurance quotes over the internet, so you should also compare price quotes from those companies as well.
The providers in the list below have been selected to offer free quotes in Mesa, AZ. If you want cheap auto insurance in Arizona, we suggest you compare several of them to get the most competitive price.
Insurance rate breakdown
The premium information displayed next highlights estimates of insurance costs for Mitsubishi Outlander models. Having knowledge of how rate quotes are calculated can be of help when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlander ES 2WD | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
| Outlander SE 4WD | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
| Outlander SE 4WD | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
| Outlander SE 2WD | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
| Outlander SE 2WD | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
| Outlander ES 4WD | $124 | $240 | $288 | $18 | $86 | $756 | $63 |
| Outlander XLS 2WD | $138 | $284 | $288 | $18 | $86 | $814 | $68 |
| Outlander XLS 4WD | $138 | $284 | $288 | $18 | $86 | $814 | $68 |
| Outlander GT-S AWC 4WD | $138 | $284 | $288 | $18 | $86 | $814 | $68 |
| Outlander GT-S AWC 4WD | $138 | $284 | $288 | $18 | $86 | $814 | $68 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can impact insurance rates noticeably.
Premiums by gender and age
The information below compares Mitsubishi Outlander yearly insurance costs for male and female drivers. The premiums are based on no violations or accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are factored in.
Full coverage versus liability only rates
The illustration below shows the difference between Mitsubishi Outlander insurance premiums when comparing full coverage to state minimum liability only. The prices are based on no claims or violations, $500 deductibles, single status, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no set rule of when to eliminate full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Mitsubishi Outlander book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your policy deductible. If you are paying over $400 a year for your policy with full coverage, then you might consider buying liability only.
There are a few cases where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
How much car insurance do I need?
Keep in mind that when it comes to choosing coverage online or from an agent, there really isn’t a one-size-fits-all type of policy. Your financial needs are unique.
For example, these questions might point out if your situation could use an agent’s help.
- Should I drop comprehensive coverage on older vehicles?
- Is my teen driver covered when they drive my company car?
- What can I do if my company won’t pay a claim?
- How high should deductibles be on a Mitsubishi Outlander?
- Is my custom stereo system covered?
- Am I covered by my spouse’s policy after a separation?
- Does my policy cover me when driving someone else’s vehicle?
- What if I owe more than I can insure my car for?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.
When do I need to talk to a local insurance agent?
Many people would prefer to have an agent’s advice and that can be a great decision The best thing about comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.
Upon completion of this simple form, your insurance coverage information is transmitted to local insurance agents that give free quotes and help you find cheaper coverage. There is no need to contact an agency due to the fact that quote results will go to you directly. You can most likely find cheaper rates without having to waste a lot of time. If you have a need to compare prices from a particular provider, feel free to visit that company’s website to submit a rate quote request.
Picking the best company requires more thought than just the bottom line cost. Get answers to these questions too.
- Did they already check your driving record and credit reports?
- Are claims handled at the agent’s location?
- Will the agent help in case of a claim?
- Do they specialize in personal lines auto insurance in Mesa?
- Do they write coverage based solely on cost?
If you are wanting to purchase insurance from a good Mesa insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agents in Mesa are considered either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agents
These type of agents can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their products and sales techniques which aids in selling service over price. Consumers often use the same agent primarily because of the prominence of the brand rather than low price.
Below is a list of exclusive agencies in Mesa who can help you get price quotes.
- Jim Shepard – State Farm Insurance Agent
1725 E University Dr – Mesa, AZ 85203 – (480) 964-8173 – View Map - Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map - Scott Urry – State Farm Insurance Agent
5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map
Independent Agencies or Brokers
These type of agents are normally appointed by many insurers and that allows them to write policies with any number of different companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and you won’t have to switch agencies.
When comparing rates, you need to get quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most independent agents also contract with small mutual carriers which can be an advantage.
The following is a list of independent insurance agents in Mesa who can help you get comparison quotes.
- Jarosch Insurance
2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488 – View Map - Bryant Insurance Agency, LLC
2941 N Power Rd Suite 101 – Mesa, AZ 85215 – (480) 448-1555 – View Map - Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900 – View Map
Three reasons to insure your Outlander
Despite the high cost of buying insurance for a Mitsubishi Outlander in Mesa, car insurance is most likely required but also gives you several important benefits.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability protection in order to license the vehicle. 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 your Mitsubishi Outlander has a lienholder, most banks will require that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Mitsubishi at a much higher rate and make you pay for the much more expensive policy.
- Car insurance preserves not only your Mitsubishi Outlander but also your assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having car insurance are without a doubt worth the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying over $869 every year so compare quotes from several companies every year to ensure rates are inline.
Learn about auto insurance coverages for a Mitsubishi Outlander
Learning about specific coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Mitsubishi Outlander.
Since many Arizona drivers only carry the minimum required liability limits (15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for immediate expenses such as nursing services, hospital visits, doctor visits, chiropractic care and dental work. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Comprehensive coverage (or Other than Collision)
This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from getting keyed, vandalism and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Auto collision coverage
This pays for damage to your Outlander from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like hitting a parking meter, crashing into a building, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible on your Outlander to save money on collision insurance.
Liability insurance
Liability insurance will cover damage that occurs to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 15/30/10 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability can pay for claims like legal defense fees, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more liability than the minimum.
The illustration below demonstrates why low liability limits may not be adequate.
Cheap auto insurance is out there
In this article, we covered a lot of ways to save on Mitsubishi Outlander insurance in Mesa. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a lesser-known regional company.
Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent and even not issuing a premium refund. No matter why you want to switch, switching companies can be easy and end up saving you some money.
When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. Too many times, drivers have reduced full coverage only to find out they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.
Helpful information
- Auto Theft Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Mesa? (FAQ)
- How Much are Auto Insurance Rates for a Toyota RAV4 in Mesa? (FAQ)
- What Insurance is Cheapest for College Graduates in Mesa? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Auto Insurance Basics (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)