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UPDATED: Sep 8, 2017
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Getting Mesa car insurance is a legal obligation, but many consumers are confused by the amount of coverage they need, how much Mesa car insurance policies cost, and how to get the best car insurance deal on collision, comprehensive, and optional policy protection. This guide reveals the truth about Mesa car insurance and gives tips on getting affordable rates.
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Introduction to Mesa Car Insurance
Mesa sits in the eastern half of Maricopa County, about 20 miles outside of Phoenix. It is the third largest city in the state of Arizona, housing over 439,000 residents.
According to the U.S. Census Bureau for Arizona, three-fourths of the population is of driving age. This statistic means that plenty of opportunities exist for crashes from running red lights, speeding through parking areas, driving while talking on cell phones, tailgating, drunk driving, or even failing to see an obstacle due to sun glare. Adding to the accident counts are the major highways of U.S. Route 60, State Route 82, and the Bypass Loops 101 and 202. For these reasons, car insurance accident statistics can vary throughout Mesa!
Having an adequate coverage is the only way to protect yourself from a serious financial burden.
Mesa Car Insurance Obligations
The City of Mesa has car insurance requirements for any vehicle operating on the roadways, including motorcycles, mopeds, and golf carts.
The lowest legal Mesa car insurance coverage is $15,000 for bodily injuries for a single person, $30,000 for bodily injuries for multiple people, and $10,000 for property damage. These figures apply to the liability portion of the policy only and may not be enough financial protection to cover the cost of car insurance repairs.
Anyone purchasing the minimum coverage should consider adding extra peace of mind for only a few dollars more. Options such as uninsured/underinsured motorist coverage, rental car reimbursement, or towing assistance typically cost little and can be worth the investment after an accident. Asking for online car insurance quotes and conducting a free Arizona car insurance comparison is the best way to decide whether a bare bones policy is really the best use of your hard-earned money.
Laws Affecting Mesa Car Insurance
The City of Mesa and the State of Arizona regulate more than just the lowest acceptable Mesa car insurance coverage. They also have car insurance rules that define proof of financial responsibility after DUI incidents, how to temporarily stop paying for auto insurance, and whether Mesa car insurance can be used to meet vehicle requirements in Mexico.
Although all Mesa drivers are required to show proof of car insurance or financial responsibility, the Arizona Motor Vehicles Department takes special interest in people with a history of DUI arrests or license suspensions. Car insurance companies are required to notify the MVD as soon as the Mesa car insurance is cancelled for a driver with an SR-22.
Mesa residents who will be out of state but are leaving their vehicles garaged in the city may apply for a De-Insured Certificate from the Arizona Department of Transportation. The certificate allows a policy owner to suspend Mesa car insurance temporarily until the vehicle is ready to be driven again.
Using Mesa Car Insurance in Mexico
Mesa is less than 200 miles away from the border with Mexico. While some policies provide liability protection 25 to 50 miles across the border, the Republic of Mexico mandates the purchase of separate Mexican liability insurance.
Mesa Car Insurance Rates
People living in Mesa, Arizona pay up to 3 percent less than the average for all residents of Maricopa County. Mesa car insurance costs about $1,635 annually, compared with $1,683 for all of Maricopa County, and $993 for the average policy across the state.
Each Mesa car insurance carrier sets its own guidelines for what circumstances raise insurance premiums. Consequently, the prices from one insurance company to the next can vary dramatically. The only way to know if you are truly getting the best deal is to compare several state car insurance quotes for Mesa car insurance and make an informed decision.
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Some factors that raise Mesa car insurance rates include:
- Driver age: Approximately 20 percent of vehicles on Mesa roads are driven by men and women under the age of 25. Most Mesa car insurance companies raise the premiums for drivers in this age group because they statistically cause the most accidents and most damage.
- Number of accidents: In 2009, Mesa had 6,543 crashes, resulting in 20 deaths and 2,088 injuries. Of those crashes, 351 had been alcohol-related. This number had decreased from 7,022 crashes and 428 alcohol-related incidents in 2008. These statistics are published annually in the Arizona Motor Vehicles Crash Facts report.
Even Mesa drivers with high insurance rates may be eligible to receive discounts. For example, many car insurance companies provide discounts of 5–15 percent for vehicles with optional anti-theft devices. The Mesa Police Department recommends a few to lower Mesa car insurance rates:
- Vehicle identification number (VIN) etched into all windows
- Steering wheel lock bar
- Car alarms with motion sensors, impact sensors, sirens, and flashing lights
- Electronic tracking device with a signal that can be monitored by police or security professionals
- Tire locks or boots
Some insurers only provide discounts for certain equipment. When you compare Mesa car insurance quotes, be sure to list your security devices on the application.
Mesa Car Insurance Companies
One of the keys to affordable auto insurance is finding the top company that is customer-focused and financially responsible. Mesa car insurance is sold online and through local agents by a number of carriers, including:
- Permanent General
- State Auto
- State Farm
Many agents in the Mesa area speak Spanish or have translation services available. While insurance company offices are scattered throughout the city, the majority are concentrated in major business centers on Country Club Drive, Mckellips Road, Brown Road, Main Street, Broadway Road, Southern Avenue, and Stapley Drive.
Fastest Way to Affordable Mesa Car Insurance
Instead of driving all 133 square miles of Mesa for the best car insurance, consider the convenience of a free comparison. By submitting a few details, such as your contact information, the amount of Mesa car insurance you need, and the level of deductible you would like, you can get free quotes without leaving your home. Insurance carriers receive your policy request and respond with their best prices to earn your business.
By comparing free Mesa car insurance quotes, you can get cheap auto insurance for virtually any type of vehicle or any age of driver. Save time and money by starting your free application now. So don’t wait any longer!