Mesa Auto Insurance – 4 Surprising Questions That Determine Who Gets the Best Car Insurance Rates

If you’re looking for a good rate on your Mesa auto insurance, I have good news and bad news. First the bad news: Arizona as a whole is the 14th most expensive state for auto insurance. The city of Mesa averages about 10,000 reported traffic accidents a year, which affects everyone’s rates. And to make matters worse, Mesa and the greater Phoenix metropolitan area have ranked as high as 4th nationally in vehicle thefts. These factors and others have contributed to the fact that Mesa is consistently 1 of the 3 most expensive cities in Arizona for auto insurance.

The good news is that the Arizona insurance marketplace is bursting with companies fighting to earn your business. A recent report from the Arizona Department of Insurance indicated that 152 companies are actively looking for new customers in Mesa. In fact, the cost of auto insurance in Mesa has declined every year since 2005. So if you haven’t shopped for insurance for a while, you may be paying too much.

Now if you want to get the best car insurance rates possible, you must realize that almost every question on a quote affects your rate in one way or another. The questions that seem the most absurd often make a big difference in your rate. In this article, we’re going to look at a few questions that many people routinely answer incorrectly just to get through the quote more quickly. Please don’t make the same mistake, it costs you money.

Question #1: What is Your Highest Level of Completed Education?

When I was an agent, I hated asking this question, but education makes a major difference with a lot of insurance companies.

Having a high school diploma or GED can help, but having a Bachelor’s degree usually has the biggest impact. While it’s unlikely that a degree makes you a better driver, some companies have statistically proven that people with degrees file fewer claims. Fewer claims mean more profit. And more profit means lower rates for everyone.

Question #2: What is Your Occupation?

The main reason insurance companies want to know your occupation is that it helps them understand how your vehicle is used.

If you’re in outside sales or regularly travel to meet with clients, you may need to indicate that your vehicle is used for “Business”. Certain occupations, like delivery drivers, couriers, and contractors, may need to get a commercial policy for their vehicle and not personal insurance. And if someone is retired, a homemaker, or works from their home, they can say that their vehicle is used for “Pleasure” and pay less than someone who drives to work everyday.

Question #3: Are You a Homeowner?

Some insurance companies give the best car insurance rates to people that own a home, even when the home is insured with another company. If you decide to have your auto and home insurance with the same company, you will usually get a nice multi-policy discount too.

Obviously, you don’t want to buy a home just to save money on your auto insurance. If you currently rent, some insurance companies will also give a discount on their auto insurance when you have renter’s insurance.

Question #4: When Does Your Current Policy Expire?

There are a couple reasons why insurance companies ask about the expiration date of your current policy.

Reason #1: They want to make sure you have insurance. The Insurance Research Council has estimated that at least 1 in 5 Mesa drivers don’t have insurance. When you go without insurance, you are more of a risk to the insurance company. For all they know, you could’ve had an accident when you didn’t have insurance and you’re planning on claiming it after you start a new policy.

Reason #2: You may be eligible for an additional discount. Many insurance companies give an “Early Shopper Discount” to individuals who shop for insurance at least a week before they need it. To receive this discount with the highest number of insurance companies, get quotes at least two weeks before the end of your current policy.

In Conclusion

We could easily spend hours going over each of the questions that appear on a standard Mesa auto insurance quote form. In the end, the best thing to do is to answer each question as accurately as possible. There are insurance companies for every kind of customer. It’s just a matter of finding one that best fits you. Good luck with your search.

Pointers For Evaluating the Best Car Insurance

Finding the best car insurance for your car more often than not is a difficult task. There are so many insurance companies giving all kinds of insurance covers that it becomes hard for the customer to go ahead and figure out which one would be the best one for him.

Depending on the requirements of the people there are many different kinds of insurance options which are available in the automobile insurance sector. The best insurance is basically the insurance which covers your needs and is capable of being bought with a low rate of premium.

First of all it is extremely important for everyone who drives a car to go in for the liability insurance which covers the third party for all aspects of insurance. In case of you being found guilty you won’t be given any money or replacement of your car however the third party would be covered for any damages in their cars or any treatment cost they may need.

Comprehensive insurance is a type of insurance which covers you car in case of natural calamities and theft etc, it deals with basically everything that can damage the car except and accident done while you were driving. More often than not people go in for such insurance when they buy new cars.

Another type of insurance is the collision insurance which covers your cars in case of a collision with a moving vehicle. This insurance covers your car completely irrespective of your fault (if any) in the accident.

People often find it confusing on which insurance to choose for their car. If you the premium that you pay in a year totals up to be an amount which is higher than the total value of your car then it does not make sense to go in for collision or comprehensive insurance in this case. You might as well save the money in your bank and use it as and when needed for the repairs of your car.

Never go ahead and simply choose an insurance company randomly; you may actually be wasting money in doing that. Many insurance companies which are pretty much business rivals would have some strategy or the other in their insurance cover, which would be a little ahead of the opponent. Each and every insurance company does tweaking of their insurance cover as a marketing strategy. Now you need to reviews everything that is being provided by all the insurance companies.

This might sound a little awkward to some of you however if you really want to know the “inside stuff” of all the insurance policies with details of loopholes, then you need to ask the insurance agent of the rival company and watch how quickly he would list the loopholes in the “other” companies policies. Repeat the process with 4 insurance company agents and you would have the information you need. This is not something which has never been done, this is a very normal practice followed by people to gather the relevant information about insurance policies and their loopholes. After gathering the information see which insurance companies provides all that you need in the lowest premium and that would be the best car insurance for you.

The Best Car Insurance For You

There are many different car insurance companies, but finding the best car insurance is what you want. Finding the best protection for your car is simple if you search online. There are many ways to finding the most favored car insurance. Every time you are looking for a good car insurer, you must decide what you want first. Some people like to look for the cheapest car protection even if it does not protect you. Looking on the web is the easiest way to find the best or cheapest car protection. Web sites will take the top picked car insurers and compare them all on one web site.

Make sure you do your research on each company. You want to know what you are in for instead of reaching into a hat and picking random protection for your car, The best way to research is online. Read what other people have written about their companies and what they think the best company is. Go to the website of the company you are considering and they should have information about the plans the offer to customers.

A majority of people search for the cheapest insurance company and choose that one; do not let this be you because you might not get the coverage that you desire. Do not always pick the cheapest insurance because this is the protection of your car! You do not want the cheapest insurance if there is not good protection in the plan!

If you are not the best driver, then you might want to consider getting a high protection plan for your car. If you drive safely then maybe you do not need the best coverage.

Be sure you pick something that is not too pricey, but gives you the coverage that you want. Do not be one of the people that just pick their protection blindly and do not end up with the protection they desire. Make sure you do these things when looking for a car protection company: Research the protection plans of the company, read what the average person says about the company, and choose the company that you like best.