How to Know You’re Paying Too Much for Auto Insurance in Mesquite

No one looks forward to paying for auto insurance, particularly when the cost is way too high. Many auto insurance companies vie for your business, so it’s not easy to compare every provider and get the definite best price available.

Take discounts and save

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Some trigger automatically at quote time, but a few must be inquired about prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • More Vehicles More Savings – Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • College Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Government Employees – Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will cut your overall premium however.

Lower your Mesquite Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that help determine your auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are some of the factors used by your company to calculate premiums.

  • Do you qualify for a multi-policy discount? – Some auto insurance companies will award you with lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare other company rates to ensure the best deal.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection if ever you are found liable for damages caused by your negligence. It provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • What type of vehicle do you drive? – The performance level of the vehicle you are buying insurance for makes a huge difference in how high your rates are. The cheapest insurance rates are generally reserved for low performance passenger models, but other factors influence the final cost greatly.
  • No coverage gaps is important – Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.
  • Rate your vehicle for proper use – The higher the mileage driven every year the higher your rate. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle.
  • Your car’s features help determine rates – Owning a car with an alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation may require specific money image

  • Exactly who is provided coverage by my policy?
  • Why is insurance for a teen driver so high in Mesquite?
  • Can I still get insurance after a DUI?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford low physical damage deductibles?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Switch companies and save? Really?

Nevada drivers can’t get away from ads for car insurance savings from the likes of Allstate, GEICO and Progressive. They all say the same thing that you’ll save big if you move your coverage to them.

How do they all say the same thing? This is how they do it.

Different companies have a preferred profile for the right customer that makes them money. An example of a driver they prefer could be between 25 and 40, insures multiple vehicles, and has excellent credit. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile must pay higher premiums which leads to business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much money. That is how insurance companies can make the claims of big savings.

This illustrates why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which auto insurance company will provide you with the cheapest rates.

More Nevada auto insurance information

Additional information can be found on the website for the Nevada Division of Insurance located here. Consumers can find out which companies have the most complaints, find disaster information, and learn about insurance regulations.

save money image

Additional helpful sites include this page for Nevada auto insurance and this link where you can get more info about Mesquite auto insurance.

Final considerations

Cheap auto insurance is possible on the web and with local Mesquite insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced full coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price.