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 safeco now agent login 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.
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.