Things You Must Know Before Purchasing Mesquite Auto Insurance Online

Are you overwhelmed by the number of auto insurance options in Mesquite? Many other drivers are as well. There are so many options that it can be a big hassle to compare prices.

Tips to Get Lower Mesquite Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Liability coverage protects you – Liability insurance is the coverage that protects you if ever you are found liable for personal injury or accident damage. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even a single citation may increase your cost twenty percent or more. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • An active claims history can cost you – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Companies in Nevada give better rates to insureds who file claims infrequently. Car insurance is meant to be used in the event of the large, substantial claims.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a fast way to bump up your auto insurance costs. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents in similar numbers, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.

Don’t pay full price with these discounts

Companies don’t necessarily list every available discount very well, so we researched both well-publicized and the more hidden discounts you could be receiving.

  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
  • E-sign – Certain companies may give you up to $50 just for signing your application on their website.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more depending on where you live.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can receive discounts of more than 20%.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.

Consumers should know that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, you’re out of luck.

To choose companies who offer auto insurance discounts in Mesquite, click here to view.

Neighborhood insurance agents

A small number of people would prefer to visit with an insurance agent and that is a personal choice. The biggest benefit of comparing rates online is that you can obtain better rates but also keep your business local.

Upon completion of this simple form, the quote information is transmitted to agents in your area who will compete to get your business. You don’t have to leave your computer since price quotes are sent to your email. How’s that for easy! It’s the lowest rates AND an agent nearby.

Choosing an insurer requires more thought than just a cheap price. Ask your prospective agent these questions:Mesquite NV car insurance

  • Do they feel the quoted coverages are adequate?
  • How much can you save by raising your physical damage deductibles?
  • What insurance company do they write the most business with?
  • How long has their agency been open in Mesquite?
  • If your car is totalled, how to they determine the replacement cost?
  • What insurance companies do they work with?
  • Does the agency provide any after hours assistance?

Not all insurance agents are the same

When looking for a good insurance agency, you need to know there are two types of agencies that you can select. Agencies in Mesquite are classified as either captive or independent (non-captive).

Captive Agents

Captive insurance agents can only write with one company and examples are AAA, Allstate and State Farm. They are unable to shop your coverage around so it’s a take it or leave it situation. Captive agents are trained well in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from captive agents primarily because of the prominence of the brand and strong financial ratings.

Shown below is a short list of captive agents in Mesquite that can give you rate quotes.

  • State Farm Insurance – – Mesquite, NV 89027 – (702) 346-3743
  • Farmers Insurance Group – 540 W Mesquite Blvd – Mesquite, NV 89027 – (702) 346-5858
Independent Agents (or Brokers)

Independent agencies are not required to write business for one company but instead can place your coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When comparison shopping, it’s a good idea to contact multiple independent agents to get the best comparison. Many write coverage with smaller companies who may have lower rates.

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

  • American National Insurance Co – 390 W Mesquite Blvd – Mesquite, NV 89027 – (702) 346-3883
  • Ence Insurance – 561 W Mesquite Blvd # 3 – Mesquite, NV 89027 – (702) 346-3438

To view a full list of auto insurance agents in Mesquite, click here to link.

After receiving good answers and a good coverage price, it’s possible that you found a car insurance agent that is a good match to properly service your auto insurance policy.

Mesquite car insurance

More information about auto insurance

Even more information is available at the Nevada Division of Insurance website. Nevada consumers can get help finding coverage, read enforcement actions against agents and companies, discover disciplinary actions, and view a list of available companies.

Quote more, save more

We just showed you many ideas to save on auto insurance. The key concept to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

Discount auto insurance is possible on the web as well as from independent agents in Mesquite, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.