Rate Comparisons for Mesquite Auto Insurance Agencies

When pricing auto insurance in Mesquite, NV, you have many choices and picking a good Nevada insurance agent is not as easy as just making a phone call. You require a highly trained agent, but also need cheap rates.

Big-name insurance companies like GEICO, Progressive and Allstate continually hit you with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

How to buy auto insurance from an agent in Mesquite

Educated insurance agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data gets sent to participating agents in Mesquite who will battle for your coverage. You won’t need to drive around as quotes are delivered to your email. It doesn’t get any easier!

Picking a car insurance agent should depend on more than just the price. Here are some questions to ask:

Is the agency involved in supporting local community causes?
What insurance companies do they recommend if they are an independent agent?
If your car is totalled, how to they determine the replacement cost?
Do they make recommendations based only on price?
Do they have any clout with companies to ensure a fair claim settlement?

Choose the right car insurance agent

When looking for local Mesquite agents, there are two types of agencies from which to choose. Mesquite agents are either independent or captive. Either one can do a good job, but it’s important to know the differences because it can impact your selection of an agent.

Agency Captives

These agents are contracted to one company such as State Farm, AAA and Liberty Mutual. These agents are not able to compare other company’s rates so always compare other rates. Captives are trained well on their products and sales techniques which helps them compete with independent agents. Consumers often choose to use a captive agent partially due to the brand legacy and strong financial ratings.

The following is a list of captive insurance agencies in Mesquite who can help you get rate quotes.

Farmers Insurance Group – 540 W Mesquite Blvd – Mesquite, NV 89027 – (702) 346-5858
State Farm Insurance – 355 W Mesquite Blvd # D40 – Mesquite, NV 89027 – (702) 346-3333

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing rates, it’s recommended you contact at least one independent agent to ensure the widest selection of prices. Many write coverage with lesser-known insurance companies which can save you money.

Shown below are Mesquite independent agencies that can give you comparison 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

For a complete listing of licensed insurance agents in Mesquite, view this link.

Once you have received good answers to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that meets your needs to provide auto insurance coverage.

Online companies can help you save

Licensed agents are perfect for certain consumers, but you can also buy Nevada car insurance direct from companies that only sell online. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also let you buy online, and consumers should do that.

If you’re anxious about not having professional advice, this is a normal reaction for first-time shoppers. Online companies that allow you to purchase coverage all have toll-free customer service to answer your questions.

The only method to determine who has the best deal, local agents or online insurance companies, is to set aside time to compare rates from both. Lots of times people will get different prices from the same company depending on if you quote online or with their agents. You won’t discover which is cheaper unless free rate quotes are compared utilizing both methods.

Are online companies cheaper? The answer to that question is complicated because there are a lot of things that are calculated into your premium. It’s a common assumption that shopping direct reduces premiums because there is no agent. But that assumption is generally incorrect because there are very high advertising costs and this drives up their premium costs.

Informative consumer insurance sites

Even more information can be found at the Nevada Division of Insurance website. Consumers can file complaints about a company, read state legal mandates and laws, get help finding coverage, and read enforcement actions against agents and companies.

Summing up your auto insurance search

Consumers leave their current company for a number of reasons such as high prices, policy cancellation, not issuing a premium refund and even poor customer service. Whatever your reason, choosing a new insurance company can be easier than you think.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured cut collision coverage only to discover later that it was a big error on their part. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.