Ways to Lower The Cost of Car Insurance in Mesquite, TX

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The average cost of auto insurance in Mesquite, TX, is $1,454 and ranges between $1,193 and $1,803. This is much higher than neighboring places such as Heath, Seagoville, and Rockwall. However, this is lower than the state average of Texas. Residents of Mesquite should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. A thorough comparison can help residents save up to $580. Here are some ways to improve savings in Mesquite.


Multi-Car Insurance:

Car owners in Mesquite, TX, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Mesquite, TX, is $2,763 while it would cost $5,671 for four cars. The savings on multi-car insurance in Mesquite also depend on the make and model of the vehicle.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Mesquite, TX, post-DUI, increases to $2,704. However, this is also dependent on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Mesquite. Other violations that can have a long-term impact on auto insurance in Mesquite include driving with an expired license and running a red light. The cost of auto insurance, post-DUI, for a male teenager increases to $6,165, while it increases to $5,165 for a female teenager.

Credit Score:

Having an “excellent” or “good” credit score will also help car owners save on auto insurance in Mesquite, TX.