To find a good insurance agent in Mesquite, Texas, we recommend you start your research for an agent online in order to save time. We’re guessing you’re wanting a competent insurance agent, but you also want to find the lowest possible price.
With American Family, Allstate, State Farm and independent agents all competing for business in Mesquite, it’s hard to tell which one will provide the best rates, service and coverage. Thankfully, you can use online price quotes to get a list of insurance agents and price estimates.
How to compare Mesquite car insurance rates
Educated insurance agents can help determine the best coverages and give you peace of mind. The best thing about comparing rates online is that you can obtain better rates and still choose a local agent. And providing support for local businesses is important particularly in Mesquite.
To help locate an agent, after submitting this simple form, your information is immediately sent to insurance agents in Mesquite who will give you bids for your coverage. There is no need to leave your house due to the fact that quote results will go directly to your email. How’s that for easy! You can find better rates AND an agent nearby.
Compare rates from both independent and captive car insurance agents
When finding a good Mesquite insurance agent, there are a couple of types of agencies that you can select. Mesquite agents are classified as either captive or independent (non-captive).
Independent Agents
Independent insurance agents are not employed by any specific company but rather can write business with any number of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When comparing rates, you should always get quotes from at a minimum one independent agency for maximum quote selection. They often place coverage with smaller companies who may have lower rates.
Shown below are independent agencies in Mesquite who may be able to give you rate quotes.
- Tomlinson Agency – 1900 Oates Dr – Mesquite, TX 75150 – (972) 698-6948
- Nationwide Insurance – 1515 N Town East Blvd – Mesquite, TX 75150 – (972) 613-7970
- Metro Transportation Insurance – 18601 Lyndon B Johnson Fwy – Mesquite, TX 75150 – (972) 613-0060
- Direct General Ins Agency – 2411 N Galloway Ave # 114 – Mesquite, TX 75150 – (972) 681-0720
Captive Insurance Agents
Captive agencies have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so they have no alternatives for high prices. Captives are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Some people will only buy from captive agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below are Mesquite captive insurance agents who can help you get rate quotes.
- Farmers Insurance Group – 921 S Bryan Belt Line Rd – Mesquite, TX 75149 – (972) 285-8831
- Allstate Insurance – 2611 N Belt Line Rd # 100 – Mesquite, TX 75182 – (972) 226-6771
- State Farm Insurance – 701 Bruton Ln E – Mesquite, TX 75149 – (972) 329-1335
- Shelter Insurance – 3600 Gus Thomasson Rd # 143 – Mesquite, TX 75150 – (972) 681-2736
For a full directory of car insurance agents in Mesquite, visit this site.
Selecting a car insurance agent should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:
- Is working in the agency their full-time job?
- Which company do they place the most coverage with?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the company allow you to choose your own collision repair facility?
- Can they give you a list of client referrals?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What is the agency’s Better Business Bureau rating?
Upon receiving acceptable answers and a low price estimate, you have narrowed it down to an insurance agent that will provide car insurance coverage.
Online companies should be in the mix
Licensed agents can be invaluable at times, but you also have the option of buying Texas car insurance from online companies direct. Certain auto insurance companies who sell through agents in Mesquite also give you the option to buy direct online. This is something to consider if you’re trying to lower your rates.
If you’re apprehensive about not having professional advice when buying online, don’t let it bother you. All companies give you access to trained agents to answer your questions.
If you just want to find lower premiums, the most effective way to determine where you can get the lowest rate, either online or from agents, is to get price quotes for both. You may actually get a different price from insurance agents and online quoting from the exact same provider.
Can you save money buying online? It’s difficult to say for sure because there are many factors which can adversely affect your policy premium. You may think that shopping online for auto insurance saves by not paying a commission. For most online online companies, however, promoting brand recognition is pricey and this tends to eat up any savings.
What is YOUR best insurance company?
While you’re price shopping online, do not buy less coverage just to save a little money. There are many occasions where an insured cut full coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.
Consumers change insurance companies for a variety of reasons including unfair underwriting practices, poor customer service, high rates after DUI convictions or even policy non-renewal. It doesn’t matter what your reason, switching companies can be less work than you think.
Additional information is located on the Texas Department of Insurance website located here. Visitors are able to file complaints about a company, view agent and company licensing information, get help finding coverage, and learn about insurance regulations.