It’s astonishing, but the vast majority of consumers kept their policy with the same company for four years or more, and practically 40% of insurance customers have never compared rates to find affordable insurance. Arizona insurance shoppers could save 50% each year just by comparing rates, but they don’t invest the time required to find affordable insurance by shopping around.
It takes a little time, but the best way to get cheaper Toyota Sienna insurance in Mesa is to compare prices once a year from insurers who can sell car insurance in Arizona. Price quotes can be compared by completing these steps.
- Step 1: Get a basic knowledge of how companies price auto insurance and the measures you can take to keep rates in check. Many factors that cause high rates such as careless driving and a substandard credit history can be controlled by making minor changes in your lifestyle.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agents can provide price quotes for many different companies. View rates
- Step 3: Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Notify your company or agent of your intent to cancel your current coverage and submit the application along with any required down payment to the new insurer. Once received, keep the new certificate of insurance in your vehicle.
One thing to point out is to try to use identical deductibles and limits on each price quote and and to look at as many different companies as possible. Doing this provides a level playing field and a complete price analysis.
If you are insured now or need a new policy, take advantage of these tips to get lower rates without sacrificing coverage. Obtaining price quotes for the best-priced coverage in Mesa is not that difficult. You only have to learn the most time-saving way to shop their coverage around online.
Getting a cheaper price on insurance is actually quite simple. All you need to do is spend a little time comparing rates to see which company has low cost Mesa car insurance quotes.
The following companies provide price quotes in Arizona. In order to find the best cheap car insurance in Mesa, AZ, it’s highly recommended you compare several of them to get a more complete price comparison.
Lower rates by qualifying for discounts
Auto insurance companies don’t always list all available discounts in a way that’s easy to find, so we break down some of the best known as well as the least known discounts you could be receiving when you buy Mesa car insurance online.
- Discounts for Multiple Vehicles – Drivers who insure primary and secondary vehicles on the same car insurance policy can get a discount for every vehicle.
- Distant Student – College-age children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
- Buy New and Save – Putting insurance on a new Sienna can get you a discount compared to insuring an older model.
- Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.
- Good Driver Discounts – Safe drivers may save up to 50% more than less cautious drivers.
- Federal Government Employee – Having worked for a branch of the government can save as much as 8% depending on your company.
- Braking Control Discount – Vehicles that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
- No Charge for an Accident – This one isn’t a discount, but a few companies such as Allstate and GEICO will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear for a set time period.
- Homeowners Savings – Just owning your own home can save a few bucks because maintaining a house demonstrates responsibility.
As a sidenote, many deductions do not apply to the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The illustration below illustrates the difference between Toyota Sienna yearly insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, a clean driving record, no 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, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
A few of the larger companies and some of the premium reductions they offer can be found below.
- Farm Bureau may offer discounts for safe driver, driver training, good student, 55 and retired, youthful driver, and renewal discount.
- State Farm includes discounts for multiple autos, multiple policy, Drive Safe & Save, safe vehicle, and student away at school.
- Progressive policyholders can earn discounts including good student, online signing, online quote discount, multi-policy, multi-vehicle, and homeowner.
- Allstate offers discounts for anti-theft, good student, senior citizen, FullPay discount, passive restraint, auto/life discount, and eSmart discount.
- Nationwide offers discounts including defensive driving, family plan, Farm Bureau membership, anti-theft, multi-policy, accident-free, and easy pay.
- MetLife has savings for defensive driver, claim-free, good driver, accident-free, and good student.
If you want the cheapest Toyota Sienna rate quotes, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies everywhere.
Statistics and details
The data table shown next highlights different rate quotes for Toyota Sienna models. Learning more about how rates are figured can help guide drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $150 | $290 | $308 | $18 | $92 | $858 | $72 |
| Sienna LE | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Sienna LE AWD | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Sienna XLE | $172 | $290 | $308 | $18 | $92 | $880 | $73 |
| Sienna XLE AWD | $172 | $342 | $308 | $18 | $92 | $932 | $78 |
| Sienna Limited | $194 | $342 | $308 | $18 | $92 | $954 | $80 |
| Sienna Limited AWD | $194 | $342 | $308 | $18 | $92 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can influence auto insurance rates considerably.
Choosing deductibles
When shopping for insurance, a common question is what deductibles to buy. The comparisons below show the differences in price when you choose different physical damage coverage deductibles. The first rate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Sienna LE | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sienna LE AWD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sienna XLE | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Sienna XLE AWD | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Sienna Limited | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Sienna Limited AWD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Sienna LE | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sienna LE AWD | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sienna XLE | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Sienna XLE AWD | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sienna Limited | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sienna Limited AWD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| 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-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can impact premium rates noticeably.
Based on the figures above, using a $100 deductible costs an average of $31 more each month or $372 a year across all Toyota Sienna models than buying the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 29 months between claim filings, you would save more money if you choose the higher deductible.
The diagram below highlights how deductible choice and can change Toyota Sienna insurance premiums for each different age category. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Toyota Sienna insurance costs by age and gender
The information below visualizes the comparison of Toyota Sienna insurance prices for male and female drivers. The rates are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Difference between full coverage and liability only rates
The illustration below illustrates the difference between Toyota Sienna car insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no claims or driving violations, $250 deductibles, single status, and no discounts are taken into consideration.
Should you pay for full coverage or liability only?
There isn’t a steadfast formula of when to phase out full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Toyota Sienna claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying your policy deductible. If you are paying more than $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
Informed Consumers Save More
An important part of buying insurance is that you know the factors that play a part in calculating the level of your policy premiums. When you understand what determines premiums, this allows you to make good choices that may result in better auto insurance rates. Many factors are considered when quoting car insurance. Most are fairly basic such as your driving history, but some are not quite as obvious such as whether you are married or your commute time.
The itemized list below are just a few of the factors used by your company to calculate your prices.
Don’t let your coverage lapse – Driving any period of time without insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, getting caught without coverage could result in a license revocation or jail time.
Cautious drivers pay better prices – A bad driving record can have a huge impact on auto insurance premiums. Drivers with clean records receive lower rates compared to bad drivers. Having a single ticket could increase your next policy renewal by as much as thirty percent. People who have careless violations such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
The information below demonstrates how speeding tickets and at-fault collisions increase Toyota Sienna premium costs for different age categories. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Companies want multiple policies – The majority of auto insurance companies allow discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to verify if the discount is saving money.There is a good possibility that you can save even more than the discount even if you insure with multiple companies
Policy add-ons may not be needed – There are a lot of extra bells and whistles that sound like a good idea at the time if you don’t pay attention. Insurance for things like vanishing deductibles, better glass coverage, and term life insurance may be wasting your money. These may sound like a good investment when deciding what coverages you need, but if they’re wasting money get rid of them and save.
Improve your credit rating – Having a good credit score is a big factor in calculating your auto insurance rates. Consumers who have excellent credit scores tend to be better drivers and file fewer claims than those with bad credit. So if your credit rating is low, you could potentially save money when insuring your Toyota Sienna by improving your credit score.
Insurance loss statistics a Toyota Sienna – Insurers analyze past claim statistics to determine a price that will be profitable for them. Models that statistically have higher claim amounts or frequency will have increased rates.
The table below demonstrates the insurance loss data used by companies for Toyota Sienna vehicles. For each type of coverage, the statistical loss for all vehicles averaged together is set at 100. Numbers shown that are under 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Sienna 2WD | 99 | 88 | 99 | 94 | 98 | 85 |
| Toyota Sienna 4WD | 106 | 94 | 102 | 75 | 65 | 73 |
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance agents near you
Some consumers still prefer to buy from a local agent and we recommend doing that Most agents are highly skilled in risk management and help submit paperwork. One of the great benefits of comparing rates online is that drivers can save money and get better rates and still buy from a local agent. Buying from and supporting neighborhood agents is important especially in Mesa.
To make it easy to find an agent, after completing this simple form, the coverage information is submitted to agents in your area that provide free Mesa car insurance quotes for your insurance coverage. You won’t even need to do any legwork since rate quotes are delivered straight to your inbox. If you want to quote rates for a specific company, you would need to jump over to their website to submit a rate quote request.
If you want to buy insurance from a reliable insurance agency, it can be helpful to understand the different agency structures that you can choose from. Insurance agencies in Mesa may be either exclusive agents or independent agents. Both types of agents can sell and service insurance coverage, but it’s a good idea to understand the subtle differences since it can affect your agent selection.
Independent Insurance Agencies or Brokers
Agents that elect to be independent are normally appointed by many insurers so they can quote policies through many different insurance companies and find you the best rates. If they find a lower price, the business is moved internally and you don’t have to do anything. If you are trying to find cheaper rates, we recommend you contact several independent insurance agents to have the best price comparison. Most also have access to different regional companies which can be an advantage.
Shown below is a partial list of independent insurance agencies in Mesa that may be able to give you rate quotes.
- The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map - Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 – View Map - Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418 – View Map
Exclusive Agents
Agents that elect to be exclusive work for only one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. They are usually well trained in insurance sales which helps them sell insurance even at higher premiums. Some people will only choose to use an exclusive agent primarily because of high brand loyalty rather than having low rates.
The following are Mesa exclusive agencies that are able to give price quote information.
- Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map - Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map - Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map
Picking an auto insurance agent should depend on more than just a cheap price quote. Any agent in Mesa should be forthright in answering these questions:
- Which company do they place the most coverage with?
- If you are a high risk driver, do they have special markets for your coverage?
- How much can you save by raising your physical damage deductibles?
- Is the agent properly licensed in Arizona?
- How are claims handled?
- When do they do policy reviews?
- Can glass repairs be made at your home?
- How long has their agency been in business in Mesa?
How much can you save?
Cost effective Toyota Sienna insurance is possible on the web in addition to many Mesa insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell coverage through local independent agencies.
We covered some good ideas how you can shop for Toyota Sienna insurance online. The most important thing to understand is the more companies you get prices for, the better your comparison will be. You may even discover the best premium rates are with an unexpected company.
Drivers change insurance companies for a variety of reasons including high prices, delays in responding to claim requests, extreme rates for teen drivers or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company can be pretty painless.
Additional detailed information can be found by following these links:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Active Military in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance for Drivers Under 21? (FAQ)
- Neck Injury FAQ (iihs.org)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)