Affordable Mesquite Auto Insurance Rates

Would you prefer to buy lower-priced car insurance rates in Mesquite, TX? Comparing Mesquite auto insurance quotes online may seem complicated initially if you are one of the many people who have never used online quotes. But keep reading because it's actually quite easy.

How to find more affordable auto insurance in Mesquite

If you want to save the most money, the best way to find cheaper prices for auto insurance prices is to start comparing rates regularly from insurance carriers in Mesquite. Rate comparisons can be done by following these steps.

  1. Try to learn a little about policy coverages and the measures you can control to prevent rate increases. Many rating criteria that cause high rates such as at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be eliminated by making minor changes in your lifestyle. Keep reading for the details to get lower rates and find overlooked discounts.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple companies.
  3. Compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.

The critical component of shopping around is that you'll want to compare identical coverages on each quote request and to quote with all possible companies. Doing this provides an accurate price comparison and a complete price analysis.

We don't have to point out that fact that insurance companies don't want customers comparing rates. People who shop around annually are likely to buy a different policy because there is a significant possibility of getting low-cost coverage. A recent survey discovered that drivers who made a habit of comparing rate quotes saved as much as $865 a year compared to policyholders who never compared other company's rates.

If finding the best rates on car insurance in Mesquite is your objective, understanding the best ways to find and compare cheaper coverage can help you succeed in saving money.

Smart consumers take time to compare prices yearly because prices are adjusted regularly by insurance companies. If you had the lowest rates on car insurance a few years ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about car insurance because you're about to find out the fastest way to find better coverage on car insurance at a better price.

Our goal in writing this article help educate you on how to effectively get price quotes and also pocket some savings If you have a current auto insurance policy, you will be able to buy cheaper auto insurance using this information. But Texas consumers benefit from understanding the way insurance companies calculate your policy premium and apply this information to your search.

When comparing auto insurance rates, know that comparing more quotes increases the chance that you will find more affordable rates.

The companies shown below provide price quotes in Texas. If several companies are displayed, we recommend you visit several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Mesquite
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,324 $662 $110
Dodge Ram Quad Cab Laramie 2WD $1,550 $775 $129
Ford Escape Limited 2WD $1,152 $576 $96
Ford F-150 STX Super Cab 2WD $1,204 $602 $100
Ford Focus SEL 4-Dr Sedan $1,376 $688 $115
GMC Sierra SLE Crew Cab 4WD $1,442 $721 $120
Honda Accord EX 2-Dr Coupe $1,486 $743 $124
Honda CR-V LX 4WD $1,118 $559 $93
Honda Civic SI 2-Dr Coupe $1,764 $882 $147
Jeep Grand Cherokee SRT-8 4WD $1,442 $721 $120
Kia Optima EX $1,518 $759 $127
Mazda 3 I SV 4-Dr Sedan $1,324 $662 $110
Nissan Altima Hybrid 4-Dr Sedan $1,442 $721 $120
Toyota Camry XLE $1,410 $705 $118
Toyota Corolla XLE $1,410 $705 $118
Toyota Prius $1,270 $635 $106
Toyota Tacoma Double Cab 4WD $1,324 $662 $110
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific Mesquite garaging location which can influence rates noticeably.

Car insurance can get complicated

When selecting the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different.Drive safe and save

For instance, these questions can help discover if you would benefit from an agent's advice.

  • At what point should I drop full coverage?
  • What is GAP insurance?
  • Should I rate my vehicle as business use?
  • Am I covered when driving a rental car?
  • If my vehicle is totaled, can I afford another vehicle?
  • Am I covered if I hit someone who is not insured?
  • Exactly who is provided coverage by my policy?
  • What does PIP insurance cover?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Buying auto insurance from Mesquite insurance agencies

Certain consumers still prefer to talk to a local agent and that is just fine! One of the benefits of comparing insurance prices online is that you can obtain the best rates and also buy local. Supporting local agents is important particularly in Mesquite.

Find insurance agent in MesquiteBy using this simple form, your coverage information is transmitted to companies in Mesquite who will gladly provide quotes for your auto insurance coverage. You won't need to find an agent due to the fact that quote results will go to the email address you provide. It's the lowest rates without requiring a lot of work. If for some reason you want to get a rate quote from a particular provider, you just need to find their quoting web page and give them your coverage information.

Mesquite auto insurance agents come in two flavors

If you would like to find a reputable agency, it can be helpful to understand the different agency structures from which to choose. Insurance agencies in Mesquite can either be independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies so they can write business with lots of companies and get you the best rates possible. If you are not satisfied with one company, the business is moved internally and you can keep the same agent.

If you are comparing rate quotes, you definitely need to check rates from several independent insurance agents to have the best price comparison. A lot of them also have access to additional companies that you may not be familiar with that many times have cheaper rates.

The following are Mesquite independent agencies that may be able to give you pricing information.

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Exclusive Auto Insurance Agents

These type of agents can only provide pricing for a single company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare other company's rates so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on their products and sales techniques which can be an advantage. Some insured continue to buy insurance from these agents mainly due to the brand legacy rather than having low rates.

Listed below is a list of exclusive agencies in Mesquite who can help you get rate quotes.

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Picking the best car insurance agent shouldn't rely on just the bottom line cost. These questions are important to ask:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are they full-time agents?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they specialize in personal lines auto insurance in Mesquite?
  • If your car is totaled, how to they determine the replacement cost?
  • How much training do they have in personal risk management?
  • How are claims handled?
  • Do they carry Errors and Omissions coverage?

If you receive good answers to these questions as well as a price you're happy with, you have narrowed it down to an auto insurance agent that meets your needs to properly service your auto insurance policy.

Insurance losses by coverage

Is your vehicle a claim risk? The statistics tables below outline the good and bad cars and trucks for the overall chance of filing claims for each type of coverage listed.

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Chevrolet Spark
Ford F-250 SuperCrew Nissan Versa
Audi A4 Allroad Hyundai Accent
Chevrolet Corvette Kia Forte
Ford Expedition Chrysler 200
Chevrolet Silverado 3500 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Porsche Panamera GTS
Volvo V60 Audi S7
Ford F-350 Mercedes-Benz S Class
Chevy Spark BMW M6
Smart ForTwo BMW M6
Infiniti QX50 Bentley Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Liability Coverage Claims
Lowest Claim Amount Highest Claim Amount
Audi A6 Chrysler 200
Mercedes-Benz SL Class Mitsubishi Mirage
Subaru Outback Chevrolet Cruze
Acura MDX Dodge Charger
Subaru Forester Mitsubishi Lancer
Fiat 500 Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford Edge Maserati Granturismo
Chevrolet Colorado BMW 6 Series
Jeep Wrangler BMW M6
Smart ForTwo Audi RS7
Ford F-150 SuperCrew Maserati Ghibli
Ford F-250 SuperCab Bently Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years