I can't think of a single person who likes paying for auto insurance, particularly when the cost is too high.
A study showed that the vast majority of Texas auto insurance customers renewed their policy with the same company for more than four years, and 38% of drivers have never quoted rates to find cheaper coverage. Most drivers in the U.S. can save nearly 47% each year just by getting comparison quotes, but most tend to underestimate the large savings they would see if they replace their high priced policy. Vehicle owners have multiple auto insurance companies to buy insurance from, and although it's nice to have multiple companies, it can be more challenging to adequately compare rates.
Finding the cheapest insurance coverage in Mesquite is much easier if you have a good place to start. If you already have coverage or need a new policy, use these tips to lower your rates without reducing coverage. Comparison shoppers just need to learn the quickest method to shop their coverage around online.
Cheap Mesquite car insurance
The providers in the list below provide price comparisons in Mesquite, TX. To buy the cheapest car insurance in Texas, we recommend you get prices from several of them to get the most competitive price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$1,238||$619||$103|
|Chevrolet Impala LS||$1,120||$560||$93|
|Chevrolet Malibu LT||$1,228||$614||$102|
|Chevrolet Silverado LS Regular Cab 2WD||$1,108||$554||$92|
|Dodge Ram Crew Cab TRX 2WD||$1,430||$715||$119|
|Ford Edge SEL 2WD||$1,318||$659||$110|
|Ford Escape XLS 2WD||$1,104||$552||$92|
|Ford F-150 XL Super Cab 4WD||$1,384||$692||$115|
|Ford Focus S 4-Dr Sedan||$980||$490||$82|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,164||$582||$97|
|Honda Accord LX-S 2-Dr Coupe||$1,704||$852||$142|
|Honda CR-V LX 4WD||$1,144||$572||$95|
|Honda Civic SI 2-Dr Coupe||$1,190||$595||$99|
|Kia Optima EX||$1,214||$607||$101|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,396||$698||$116|
|Toyota Camry LE||$1,324||$662||$110|
|Toyota Corolla S||$1,252||$626||$104|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in the specific area where the vehicle is garaged which can impact coverage rates greatly.
Analysis of deductible levels
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following insurance rates show the rate difference when you buy lower versus higher physical damage coverage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in your specific Mesquite location which can lower or raise rates substantially.
We can estimate from the data above that using a $100 deductible costs approximately $41 more each month or $492 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 22 months between claim filings, you would probably come out ahead if you opt for a higher deductible.
Raise deductibles and save
The information below shows how choosing a deductible and can impact Honda Accord insurance rates for each age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
How accidents and violations affect rates
The illustration below shows how violations and at-fault collisions can impact Chevrolet Malibu insurance costs for different age groups. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.
It may be expensive, but it's not optional
Despite the high cost of buying insurance in Mesquite, insurance serves a purpose in several ways.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability if you don't want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your vehicle, almost every bank will make it a condition of the loan that you buy insurance to guarantee loan repayment. If the policy lapses, the lender will be forced to insure your vehicle at an extremely high rate and require you to fork over the higher premium.
- Auto insurance preserves your car and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver overpays more than $850 per year so it's very important to do a rate comparison at every renewal to ensure rates are competitive.
Four things that influence your prices
Multiple criteria are used in the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but some are less apparent such as your marital status or how safe your car is. Smart consumers have a good feel for some of the factors that aid in calculating the price you pay for insurance. If you know what influences your rates, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
Shown below are a few of the "ingredients" insurance companies consider when setting premiums.
Pay lower rates if you're married - Having a wife or husband may cut your premiums on your insurance policy. It is viewed as being more responsible and statistics prove drivers who are married file infrequent claims.
Drive a fast car and pay more - The performance level of the car you need insurance for makes a significant difference in your auto insurance rates. Lower cost passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.
Credit rating impacts premium costs - Your credit rating factor in your rate calculation. Insureds that have very good credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. Therefore, if your credit can be improved, you may save money insuring your vehicle if you improve your credit rating.
Job impacts rates - Do you work in a high-stress field? Jobs such as doctors, airline pilots, and medical professionals usually pay higher rates than the rest of us in part from high stress and long work days. On the flip side, occupations such as actors, students and retirees receive lower rates.
Slash rates with these discounts on insurance
Companies offering auto insurance don't always publicize their entire list of discounts in an easy-to-find place, so the following list contains some of the more common and the more hidden credits available to bring down your rates. If you're not getting every credit you deserve, you could be saving more on your insurance.
- Driver Safety - Successfully completing a course teaching defensive driving skills could save 5% or more and also improve your driving technique.
- Federal Government Employee - Federal government employees could cut as much as 10% off depending on your company.
- Discount for Multiple Policies - If you insure your home and vehicles and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
- Low Mileage - Maintaining low annual mileage could qualify for discounted insurance rates on garaged vehicles.
- More Vehicles More Savings - Buying coverage for several vehicles on the same insurance policy can reduce rates for all insured vehicles.
- Braking Control Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
It's important to note that some credits don't apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free insurance policy, you aren't that lucky.
Some of the larger companies that may offer these discounts are:
Before buying, ask each company or agent to give you their best rates. Discounts may not be available in your area. If you would like to view providers that offer many of these discounts in Texas, click this link.
Buying from auto insurance agents
A small number of people still like to sit down and talk to an agent and doing so can bring peace of mind Most agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing rates online is that drivers can save money and get lower rates and still choose a local agent.
By using this quick form, the quote information is instantly submitted to companies in Mesquite who will give you quotes for your business. You won't even need to contact any agents due to the fact that quote results will go to you directly. In the event you want to get a rate quote from a specific company, just find their quoting web page and fill out the quote form the provide.
Finding the right insurer needs to be determined by more than just a low price. Any agent in Mesquite should be willing to answer these questions.
- How often do they review coverages?
- Is working in the agency their full-time job?
- Is there a local claims center in Mesquite?
- Where would your vehicle be repaired?
- Which family members are covered?
When finding a local agent, you should know the different agency structures to choose from. Agents are considered either independent (non-exclusive) or exclusive. Both can provide insurance policies, but it's important to point out the subtle differences because it can impact the selection process.
Exclusive Insurance Agencies
Agents in the exclusive channel write business for a single company and examples are American Family, State Farm, and AAA. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive agencies are well trained on their company's products which helps offset the inability to provide other markets.
Independent Insurance Agencies
Independent insurance agents are not restricted to one company so they can quote policies amongst many companies and find you the best rates. If premiums increase, they simply switch companies in-house and you don't have to switch agencies.
When searching for an agent, we highly recommend that you check rates from independent agents in order to have the best price comparison.
If you get acceptable answers to all your questions as well as a price you're happy with, you've probably found a car insurance agent that is professional and can properly service your insurance policy. Keep in mind policyholders can cancel a policy when you choose so don't think that you are permanently stuck with any specific agency with no way to switch.
Cheap insurance rates are possible
Cheaper insurance in Mesquite can be bought online and with local Mesquite insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get quotes online and most of the time these smaller companies only sell through independent agents.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped liability coverage limits and found out when filing a claim that it was a big error on their part. The aim is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.
For more information, feel free to browse the articles below:
- Alcohol Impaired Driving FAQ (iihs.org)
- How Much are Auto Insurance Rates for Unemployed Drivers in Texas? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Texas? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)