Best Low Cost Auto Insurance in Mesa, Arizona in 2021 • Benzinga


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Mesa gets its name from the Spanish word for table. Do you have the right car insurance while driving through Mesa’s beautiful tabletop landscape? Here’s our handy guide to the best auto insurance policies in Mesa.

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Best Car Insurance in Mesa, Arizona:

Mesa auto insurance overview

  • Mesa has an average of 1.72 vehicles per household.
  • The minimum coverage to legally drive on the road in Mesa:
    • Liability coverage for personal injury: $ 15,000 per person and $ 30,000 per accident
    • Liability insurance for material damage: $ 10,000 per accident
  • Clean-history drivers can expect to pay about $ 813 per year for minimal state coverage.

Arizona auto insurance law explained

You must have auto insurance to drive in Arizona, which includes at least the following coverages:


  • Liability coverage for personal injury: Personal injury liability coverage pays for everyone who injures you in an accident. Arizona requires a minimum of $ 15,000 per person and $ 30,000 per accident.
  • Liability insurance for material damage: Liability coverage for property damage covers any damage you cause to someone else’s property in an accident. You must accidentally have $ 10,000 in Mesa.

Both coverages will leave your vehicle unprotected, but you can add collision and extended coverage:

  • Collision coverage pays for damage to your car if you have had an accident.
  • Extensive coverage pays for damage to your vehicle that does not occur in an accident. Well-known examples are vandalism, theft or hail.

Arizona auto insurance rates per vehicle

Auto insurance companies use statistics to determine the level of risk and how much you pay for car insurance. The make, model and year of your vehicle all come into play when the insurers give you a rate. Here are a few data points that companies use to calculate your premium.

  • Safety ratings: Cars with advanced safety features are more likely to protect the driver and passengers and reduce damage in the event of an accident. You can expect to pay less if your vehicle has advanced safety features such as pedestrian detection, blind spot warning and automatic emergency braking system.
  • Collision Statistics: Insurance companies know which vehicles are most likely to be in an accident. They also estimate the repair costs. You can expect your insurance rates to be higher if you drive an expensive car.
  • Theft rates: Some vehicles are much more popular than others and are therefore more likely to be stolen. For example, the most stolen vehicle in Mesa is a large Chevy pickup. You pay more if your car is likely to be a target.

Car insurance rates based on credit score

Some people are surprised to find that it is perfectly legal for insurers to use your credit score to determine your rate. Insurance data shows that people with higher credit scores are less likely to make claims. On the other hand, drivers with lower credit scores are more likely to file claims and therefore pay higher for insurance.

Do you want to improve your credit score? To increase your credit score and qualifying for lower premiums can reduce your debt, pay bills on time and lower your credit utilization.

Here’s a quick look at how your credit score can affect your price.

Creditworthiness Cheapest provider Rate for minimum state coverage
Moderate 300-579 State farm $ 2,091
Fair 580-669 GEICO $ 1466
Good 670-739 State farm $ 1221
Excellent 740+ Direct Auto $ 1035

Insurance for drivers with a clean record

Is your driving history clean? If so, you can expect to take advantage of some of the lowest rates in Mesa. Your clean track record is proof that you care about safety and complying with the rules of the road. Insurers not only offer you the best rates, but also try to keep you as a long-term customer.

Here’s a comparison of 3 types of coverage:

  • State minimum coverage is the minimum insurance required to drive in Arizona.
  • Standard coverage is the state’s minimum coverage with collision insurance.
  • Full coverage is the minimum state coverage with collision and comprehensive coverage combined.

Insurance rates with violations

Does your file have a few violations? You probably pay more on your premiums. The insurance companies consider drivers more likely to make claims or be involved in an accident when they have a history of violations. They offset this risk by charging you more for insurance.

Some violations will increase your rate a bit and others can make it significantly more expensive. Here’s a look at 3 common violations and how they can change your insurance costs.

  • Accidents due to fault are accidents for which you are wholly or partly responsible.
  • Speeding occur when you get a ticket for driving too far above or below the specified speed limit.
  • DUIs if you drive under the influence of alcohol or drugs. Obtaining a DUI is a criminal offense and can cause your rates to be dramatically higher. Mesa and Arizona law sets blood alcohol levels for ages 21 and older at more than 0.08, and drivers under 21 can get a ticket for anything above 0.00. Refusal to take the breathalyzer is an automatic 1-year suspension of your license on your 1st violation.
Insurance company At-Fault accident Speeding violation DUI
Rural $ 3,110 $ 3,310 $ 4,606
Progressive $ 4,156 $ 3,667 $ 3,331
State farm $ 5,186 $ 4,756 $ 4,756
Travelers $ 3,216 $ 3,077 $ 3,578
USAA $ 3214 $ 2,640 $ 4,240

4 Best Auto Insurance Providers in Mesa

There is no reason to overpay for insurance. Check out the best businesses in Mesa if you still want to find out how to lower your car insurance.

1. Best Overall: The Hartford

Do you appreciate excellent customer service at a reasonable price? The Hartford may be the best choice for you. The company leads the Southwest region and took JD Power’s nod for customer satisfaction with auto insurance.

The Hartford is tailored for drivers 50 or older who qualify for AARP. If you are, you may want to consider Hartford’s discounts and friendly staff.

2. Cheapest auto insurance policy in Mesa: State Farm

Are you looking for cheap car insurance? State Farm is a household name that consistently scores high in terms of customer satisfaction. State Farm offers several ways to save in Mesa. Some notable discounts include accident-free driving, good driving and vehicle safety discounts.

Good students, graduates of defensive driving courses, and even teens who are in school all qualify for additional discounts. You can maximize your savings by adding renters, condos, homeowners, or life insurance to take advantage of a multi-line discount. State Farm believes that the more business you do together, the better the rates the company can give you across the board.

Benefits
  • Complete range of insurance, banking and investment services
  • Simple online forms to quote and bind policies
  • Top rated customer satisfaction
Cons
  • Very few physical locations
  • Available only to selected groups, usually associated with military service and members’ families

3. Best for Military Personnel: USAA

USAA prides itself as the one stop shop for insurance needs for service representatives, veterans and their close families. You may not qualify unless you are in 1 of those 3 groups, but USAA has one of the most aggressive pricing in Mesa.

USAA also has policies that can be accessed online or through the app from anywhere in the world. It is perfect for families with a deployed member. USAA also lets you choose your payment plan ahead of time so you can adjust to fixed incomes.

USAA stacks up on discounts when you add homeowners, renters, or life insurance policies. USAA should be at the top of your list if you have a military family.

Your lowest rate in Mesa

Mesa is sunny, but you don’t have to worry about insurance costs. Many people spend way too much time picking out their dream vehicle and almost no time figuring out how to protect it. Don’t let that happen to you.

Receive lots of quotes and speak to multiple representatives. Getting multiple quotes can help you make a smart decision for your family and finances. You are well on your way to getting the coverage you need at the most reasonable price.

Frequently Asked Questions

1) Q: Do I have to have the minimum car insurance policy required in my country?

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1) Q: Do I have to have the minimum car insurance policy required in my country?

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Courtney Roy

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It’s a good idea to buy more than the minimum of any type of insurance. State minimums are set relatively low to keep insurance affordable, but in the event of an accident, you can quickly use up your minimums with expensive medical and property damage costs. Once your bills exceed the minimum, you are personally liable for additional costs and damages. Get the coverage that makes sense to you here.

answered

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2) Q: How does my personal credit play a role?

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2) Q: How does my personal credit play a role?

asked

Courtney Roy

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Insurance companies conduct credit scores to help determine policy premiums. Your insurance rates are likely to be lower if you have an excellent credit score. On the other hand, your insurance rates can be higher if you have a bad credit score. Insurance companies believe that credit scores are an indication of whether you are paying your insurance benefits on time, and credit scores in combination with other data can predict risk. Check out the best companies for all credit scores now.

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3) Q: What discounts are usually available?

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3) Q: What discounts are usually available?

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Courtney Roy

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The most common discounts are multi-policy and auto-pay, but every business is different. Other discounts that are widely available include loyalty discounts, good student discounts, and anti-theft devices. Check out our top providers with the best discounts and get one unique quote.

answered

Benzinga

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