Mesa Auto Insurance 4 surprising questions that determine who get the best car insurance rates

Mesa Auto Insurance   4 surprising questions that determine who get the best car insurance rates

If you are looking for a good rate on your Mesa car insurance, I have good news and bad news. First the bad news. Arizona as a whole is the 14th most expensive state of car insurance. Mesa city an average of about 10,000 reported traffic accidents per year, affecting everyone's interest rates. And to make matters worse, Mesa and the Greater Phoenix metropolitan area have ranked as high as 4th in the country of vehicle theft. These factors and others have helped Mesa consistently be one of the 3 most expensive cities in Arizona for car insurance.

The good news is that the Arizona insurance market is bursting with companies struggling to earn your business. A new report from the Arizona Department of Insurance showed that 152 companies are actively looking for new customers in Mesa. In fact, the cost of car insurance in Mesa has decreased every year since 2005. So if you have not purchased for insurance for a while you can pay too much.

Now if you want to get the best car insurance rates, you must realize that almost every quote about a quote affects your tax rate in one way or another. The questions that seem to be most absurd often make a big difference at your pace. In this article, we will look at some questions that many people routinely answer incorrectly to quickly get through the quote. Please do not make the same mistake, it will cost 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 big difference with many insurance companies.

Having a college degree or GED can help, but having a bachelor's degree usually has the greatest effect. Although it is unlikely that a degree will make you a better driver, some companies have statistically proven that people with a graduation file fewer claim. Fewer demands mean more profit. And more profit means lower prices for all.

Question 2. What is your profession?

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

If you are outlets or regularly travel to meet customers, you may need to indicate that your vehicle is used for "Business". Some professions, such as shipping drivers, couriers and contractors, may need to get a commercial policy for their vehicle and not personal insurance. And if someone is retired, a housewife or working from home, they can say that their vehicles are used for "fun" and pay less than anyone driving to work every day.

Question 3. Are you a homeowner?

Some insurance companies provide the best car insurance rates to people who own a home, even when the home is insured with another company. If you decide to have your car insurance and home insurance with the same company, you usually also get a good multi rate discount.

Of course you do not want to buy a home just to save money on your car insurance. If you currently rent, some insurance companies will also provide a discount on their car insurance when you have the tenant insurance.

Question 4. When does your current policy expire?

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

Cause 1. They want to make sure you have insurance. The Insurance Research Council has estimated that at least 1 in 5 Mesa drivers have no insurance. When you go without insurance you are more at risk for the insurance company. For all they know you may have had an accident when you did not have insurance and you plan to claim it after you have started a new policy.

Cause 2. You may be entitled to an additional discount. Many insurance companies provide an "Early Shopper Discount" to persons who take insurance at least one week before they need it. To get this discount with the highest number of insurance companies, get a quote at least two weeks before the end of your current policy.

In summary

We could easily spend hours reviewing all the questions found on a standard Mesa car insurance quote form. In the end, it is best to answer each question as accurately as possible. There are insurance companies for all types of customers. It's just a matter of finding the one that suits you best. Good luck with your search.

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