When searching for cheaper insurance, are you baffled by the sheer number of auto insurance companies available to you? Drivers have so many companies available that it is a challenge to lower your premium rates. If you live there, you know that Mesquite is an excellent city in which to live, but expensive premiums for auto insurance makes it difficult to afford coverage.
Unbelievably, the majority of drivers have been with the same company for at least four years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. With the average premium in America being $1,847, drivers could save up to $850 each year just by getting comparison quotes, but they won't spend time to compare rates.
If you're already insured, you will definitely be able to get lower rates using the following tips. These tips will teach you a little about how to compare rates easily and how you can save the most money. Nevertheless, Nevada vehicle owners do need to learn how companies determine prices and apply this information to your search.
Save money by taking advantage of discounts
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can dramatically reduce your bill. Certain discounts will be triggered automatically when you quote, but some must be manually applied prior to getting the savings.
- Discount for Swiching Early - A few larger companies give discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
- Accident Forgiveness Coverage - Not necessarily a discount, but some companies like Allstate, State Farm and GEICO allow you one accident before they charge you more for coverage if you are claim-free for a specific time period.
- ABS Braking Discount - Cars that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Air Bags and Passive Restraints - Vehicles equipped with air bags may earn rate discounts up to 30%.
- Driver Education Discount - Reduce the cost of insurance for teen drivers by having them enroll in driver's education if offered at their school.
- Distant College Student Discount - Any of your kids who are enrolled in a college that is more than 100 miles from Mesquite without a vehicle on campus could get you a discount.
- Club Memberships - Joining qualifying clubs or civic groups could earn you a nice discount when getting a Mesquite auto insurance quote.
- Safe Drivers - Insureds without accidents can save up to 40% or more on their Mesquite auto insurance quote than drivers with accidents.
As a footnote on discounts, some credits don't apply to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, it doesn't quite work that way.
A partial list of companies that may offer policyholders some of the discounts shown above include:
If you need cheap Mesquite auto insurance quotes, ask every company which discounts you may be entitled to. Depending on the company, some discounts may not be available in Mesquite. To choose insurers that can offer you the previously mentioned discounts in Mesquite, follow this link.
Compare Mesquite insurance price quotes
When comparison shopping, there are several ways to compare prices from local Mesquite insurance companies. The fastest way to lower the rate you pay for insurance is to perform an online rate comparison.
It's important to know that comparing more prices helps increase your odds of locating a lower rate. Some companies don't provide online quotes, so it's recommended that you also compare quotes from those companies as well.
The companies shown below are ready to provide quotes in Mesquite, NV. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LT Regular Cab 2WD||$1,036||$518||$86|
|Dodge Grand Caravan SXT||$1,058||$529||$88|
|Dodge Ram Crew Cab ST 4WD||$1,024||$512||$85|
|Ford Edge SE AWD||$954||$477||$80|
|Ford Escape Limited 4WD||$902||$451||$75|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,326||$663||$111|
|Ford Focus SE 2-Dr Coupe||$916||$458||$76|
|Ford Fusion SEL AWD 4-Dr Sedan||$820||$410||$68|
|Honda Accord EX 4-Dr Sedan||$784||$392||$65|
|Honda CR-V EX-L 4WD||$1,068||$534||$89|
|Honda Civic EX-L 2-Dr Coupe||$1,292||$646||$108|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$900||$450||$75|
|Nissan Altima 3.5 SR 4-Dr Sedan||$920||$460||$77|
|Toyota Camry XLE||$1,094||$547||$91|
|Toyota Corolla S||$858||$429||$72|
|Volkswagen Jetta SE 2.5 Station Wagon||$964||$482||$80|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in specific location which can modify insurance rates noticeably.
Liability only or full coverage
The diagram below shows the comparison of Nissan Sentra premium costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving violations, $500 deductibles, married female driver, and no discounts are applied to the premium.
Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.
Are you wasting money on full coverage?
There isn't a written rule for phasing out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's say your Nissan Sentra claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your deductible. If you are paying more than $500 annually for physical damage coverage, then it could be time to drop full coverage.
There are some cases where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
How do I know if I need professional advice?
When quoting and comparing your policy for your vehicles, there really is no best way to insure your cars. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions might help in determining whether your personal situation will benefit from professional help.
- Am I insured when driving a different vehicle?
- Does my policy pay for OEM or aftermarket parts?
- Do all my vehicles need collision coverage?
- What companies insure drivers after a DUI or DWI?
- Do I need replacement cost coverage on my vehicle?
- Can I get by with minimal medical coverage if I have good health insurance?
- Exactly who is provided coverage by my policy?
- Am I covered when driving a rental car?
- Are rock chip repairs covered?
- What if I total my vehicle and owe more than it's worth?
If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
What if I want to buy from local Mesquite car insurance agents?
Some consumers would rather talk to a local agent and there is nothing wrong with that. The best thing about comparing insurance prices online is that you can obtain the lowest rates but also keep your business local. And providing support for local insurance agents is still important in Mesquite.
Upon completion of this short form, your information gets sent to insurance agents in Mesquite that can give you free Mesquite auto insurance quotes to get your business. You don't have to search for an agent because prices are sent directly to your email. You'll get the best rates AND a local agent. If you need to get a price quote from a specific company, you would need to go to their quote page and give them your coverage information.
When researching a local Mesquite insurance agency, you should know the different types of agents and how they can write your policy. Auto insurance agents in Mesquite are either exclusive agents or independent agents.
Agents of this type often have many company appointments and that gives them the ability to insure with multiple insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply switch companies in-house and you don't have to find a new agent.
When shopping rates, we highly recommend that you include multiple independent agents in order to compare the most rates. They often place coverage with small regional insurance companies that may provide cheaper auto insurance rates.
Exclusive Auto Insurance Agents
These type of agents can only place business with one company like Allstate and State Farm. They usually cannot compare rates from other companies so they really need to provide good service. Exclusive agents are usually quite knowledgeable on what they offer which helps them compete with independent agents. Consumers often buy from the same agent for years mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Finding the right insurance agent requires more thought than just the price. Ask your prospective agent these questions:
- Are they paid to recommend certain coverages?
- What insurance companies do they work with in Mesquite?
- Can you get a list of referrals?
- Is the quote a firm price?
- Is there a local claims center in Mesquite?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Which insurance company do they prefer to write with?
How much can you save?
When searching for inexpensive Mesquite auto insurance quotes, it's very important that you do not skimp on coverage in order to save money. Too many times, someone sacrificed physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to buy enough coverage at the lowest possible cost while still protecting your assets.
We just showed you a lot of tips how to shop for auto insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates are with a small mutual company. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.