Lowest Prices from Mesquite, TX Car Insurance Agencies

To find a licensed insurance agent in Mesquite, you can start your research by comparing rates online rather than looking in the yellowpages. We’re assuming you’re wanting a professional agent, but also the best rates possible.

With companies like Farmers, Allstate, and independent agents having local Mesquite offices, it’s difficult to determine which will provide the cheapest rates and the best coverage. Thankfully, it’s easy to use online price quotes to assemble a group of insurance agencies to choose from.

Mesquite agents and online quotes

Licensed agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing rates online is that you can obtain the best rates but also keep your business local. Supporting local insurance agencies is important particularly in Mesquite.

Upon completion of this quick form, the coverage information is instantly submitted to local insurance agents in Mesquite who will battle for your coverage. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. Now that’s easy!

Two types of insurance agents

When looking for an insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Mesquite can either be captive or independent (non-captive). Either one can do a good job, but it’s worth learning how they are different since it can impact the type of agent you choose

Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparison shopping, you should always get quotes from several independent insurance agents for maximum quote selection.

Below are Mesquite independent insurance agents that can give you pricing information.

Ike WYNN Insurance – – Mesquite, TX 75150 – (972) 279-3242
Best Buy Insurance – 4701 N Galloway Ave # 101 – Mesquite, TX 75150 – (972) 613-1137
Direct General Ins Agency – 2411 N Galloway Ave # 114 – Mesquite, TX 75150 – (972) 681-0720
Tomlinson Agency – 1900 Oates Dr – Mesquite, TX 75150 – (972) 698-6948

Captive Insurance Agents

Captive agencies work for only one company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Captives receive extensive training on their products and sales techniques and that can be a competitive advantage.

Listed below are captive insurance agencies in Mesquite that can give you price quote information.

Farmers Insurance Group – 3220 Gus Thomasson Rd # 355 – Mesquite, TX 75150 – (972) 686-6803
Allstate Insurance – 1900 Oates Dr # 162 – Mesquite, TX 75150 – (972) 613-7801
Shelter Insurance – 3600 Gus Thomasson Rd # 143 – Mesquite, TX 75150 – (972) 681-2736
State Farm Insurance – 1900 Oates Dr # 112 – Mesquite, TX 75150 – (972) 613-1396

For a complete listing of captive agencies in Mesquite, go to this page.

Choosing an insurance agent needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

  • Are there any discounts that you might be missing?
  • How much can you save by raising your physical damage deductibles?
  • Are they able to influence company decisions when a claim is filed?
  • Does the agency provide any after hours assistance?
  • What insurance companies do they recommend if they are an independent agent?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Who is covered by the car insurance policy?

Once you have received acceptable answers to these questions in addition to an acceptable price estimate, it’s possible that you found an insurance agency that meets your needs to service your policy.

Have you considered online alternatives?

Auto insurance agents are a valuable resource, but Texas consumers also have the option to buy from companies direct over the internet. Even companies who have local agents in Mesquite also give you the option to get quotes and purchase online, and that is helpful and can also potentially find you lower rates.

If you’re uncomfortable with having to choose coverages yourself, this is expected but don’t let that bother you. Companies that require consumers to choose their own coverages provide toll-free numbers you can use to get advice on coverages. In addition, they usually offer live chat and online tools to help you answer questions.

Can online rates save money? It’s difficult to say for sure due to the fact that there are many factors that determine your policy premium. It’s a logical assumption that shopping online for auto insurance reduces premiums because there is no agent. But the reality is there are high advertising and marketing costs and that impacts the rates consumers pay.

If the best price is important to you, the most effective way to determine where you can get the lowest rate, either online or from agents, is getting rates for as many of both types of providers as possible. It’s possible to get different rates from the SAME company depending on if you quote online or with an agent.

Auto insurance in Mesquite TX

Much more information about car insurance in Texas is available on the website for the Texas Department of Insurance through this link. Consumers can learn about insurance regulations, read state legal mandates and laws, find out which companies have the most complaints, and report car insurance fraud.

Best coverage at the best price

Consumers switch companies for many reasons like not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers or questionable increases in premium. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.