One of the many considerations that are looked at to help calculate car insurance rates is where you call home. Larger areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents get the luxury of paying less.
The illustration below lists the most expensive cities in Nevada to purchase a policy in. Mesquite comes in at #11 with the yearly price of $1,351 for coverage, which is about $113 per month.
|6||North Las Vegas||$1,900|
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Annual rates are comparative as specific Mesquite garaging address can change auto insurance rates considerably.
Now that we understand where Mesquite ranks on price, buying low-priced insurance is hard enough, and finding out which company quotes the best auto insurance rates in Mesquite takes more quotes for comparison.
Every car insurance company uses their own formula for determining prices, so to begin we'll rank the lowest cost auto insurance companies in Mesquite.
Best Car Insurance Prices in Mesquite
|Rank||Company||Cost Per Year|
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Allied has some of the lowest car insurance rates in Mesquite at around $911 annually. Travelers, Capital, Oregon Mutual, and Progressive would also be considered some of the lowest-priced Mesquite, NV insurance companies.
As depicted above, if you are currently insured with Oregon Mutual and switched to Allied, you might achieve an annual savings of around $236. Drivers with Progressive might save as much as $291 a year, and GEICO policyholders might realize rate reductions of up to $308 a year.
If you want to see how much you could save, click here to start your free quote or feel free to get quotes from the companies below.
Understand that those policy prices are averages across all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location in Mesquite. So the company that fits your needs best may not even be in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The car, truck, or SUV you are seeking coverage for is one of the primary factors that determines whether or not you can buy the most economical insurance in Mesquite. Vehicles with higher performance, poor crash test ratings, or a track record of large liability claims will cost much more to insure than more economical and safe models. The list below presents coverage rates for a handful of the most budget-friendly vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,465|
|Ford Escape XLT 4WD||$1,496|
|Jeep Wrangler Sport 4WD 2-Dr||$1,519|
|Toyota Corolla XRS||$1,619|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,627|
|Dodge Ram Crew Cab ST 2WD||$1,650|
|Chevrolet Impala LS||$1,699|
|Honda Accord EX-L 2-Dr Coupe||$1,729|
|Toyota Camry Hybrid||$1,739|
|Toyota Camry Hybrid||$1,729|
|Jeep Grand Cherokee Laredo 2WD||$1,739|
|Ford Explorer Eddie Bauer 2WD||$1,758|
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in Mesquite, NV location which can lower or raise prices substantially.
Based upon the rates shown, makes and models like the Toyota Prius, Honda CR-V, and Ford Escape are likely to be a few of the cheapest vehicles to insure for drivers in Mesquite.
Impact of speeding/accidents on Mesquite insurance rates
The obvious way to earn affordable insurance prices for drivers in Mesquite is to drive carefully and avoid getting tickets or having accidents. The example below highlights how traffic violations and accidents can impact auto insurance rates for different insured age categories. The premiums assume a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.
In the previous example, the average cost of an auto insurance policy in Mesquite per year with no violations or accidents is $2,243. Get written up for one speeding ticket and the average cost increases to $2,541, an increase of $298 each year. Now include two accidents along with the one speeding ticket and the yearly cost of insurance in Mesquite jumps again to an average of $5,073. That's an increase of $2,831, or $236 per month, just for not driving responsibly!
Types of discounts on Mesquite auto insurance rates
Car insurance companies that offer coverage in Mesquite may have policy discounts that could potentially reduce rates by as much as 30% if you meet specific criteria. Large insurance companies and a partial list of their discounts can be read below.
- State Farm may have discounts that include Steer Clear safe driver discount, student away at school, passive restraint, good student, and anti-theft.
- Progressive discounts include online signing, homeowner, good student, multi-policy, continuous coverage, multi-vehicle, and online quote discount.
- Travelers offers discounts including continuous insurance, driver training, student away at school, save driver, and multi-policy.
- American Family policyholders can earn discounts including TimeAway discount, defensive driver, multi-vehicle, good student, air bags, and early bird.
- Liberty Mutual offers discounts for exclusive group savings, multi-policy, safety features, new move discount, newly married, and new vehicle discount.
The information below visualizes the comparison of auto insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no violations or claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, defensive driving course, homeowner, claim-free, passive restraint, and marriage discounts applied. In this example, theaverage yearly reduction on insurance in Mesquite is 28% or $462.
Shop around and save
Mesquite insurance rates are calculated based on many things that may substantially change the price of your policy. Simply turning a year older, buying a different vehicle, or getting a couple of tickets may prompt premium changes that can cause some rates to be much cheaper than others. In addition, car insurance companies file new Nevada car insurance rates every year or even multiple times each year as an adjustment for underwriting gains or losses. A period of higher than normal claims can result in higher priced premiums, while a better loss history can produce cheaper Mesquite car insurance rates.
For example, the graph below shows a variety of companies that have the cheapest car insurance in Mesquite, NV for a 45-year-old male driver with a good driving record, no prior claims, and great credit. If we look at prices based on his current situation, Travelers might offer the most affordable car insurance rates in Mesquite at $1,170 a year. This is $404 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the rest of the best Mesquite, NV auto insurance companies.
In this example, we will give the driver from the first example a chargeable claim, a lower credit rating, and a blemish on his driving record. Due to the fact that every insurance company has their own process to set premium rates, comparing quotes could now result in a different ranking of cheap Mesquite auto insurance companies as shown below.
GEICO now has the best car insurance rate in Mesquite with USAA, Nationwide, Capital, and Safeco also being competitive. This demonstrates why it is crucial to take the time to shop around when trying to find affordable car insurance quotes in Mesquite.
Auto insurance prices consist of many different factors and change dramatically, so the best company two years ago may now not even be in the top five.
Tips for finding budget-friendly car insurance in Mesquite
The list below summarizes a few penny-pinching solutions that can help Nevada drivers get low-cost coverage.
- Buy your homeowners policy from the same company as your auto insurance
- On older vehicles, drop full coverage
- Increase physical damage deductibles
- Good credit can mean cheaper rates
- Safer vehicles cost less to insure
- If possible, pay for small claims out-of-pocket
- Compare rates once a year for cheaper prices
The last suggestion is particularly vital, as was affirmed in the article above. Car insurance prices change a lot, so don't be tentative to switch to a new company if you find a better deal. Many drivers have brand loyalty and that's fine, but it isn't a good idea if that stubbornness costs you a small fortune year after year. Now is a great time to shop around and find cheaper auto insurance in Mesquite.