Follow These Tested Methods for Paying Less for Reno Nevada Car Insurance

Shopping for cheap Reno car insurance over the internet can seem to be intimidating for people who are new to comparing rates online. With a ridiculous number of insurance companies available, how can you even start to compare the different rates to find the lowest rates?

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for car insurance. Knowing what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Teen drivers pay high rates – More mature drivers are more cautious drivers, file fewer claims and are safer drivers. Young drivers have a tendency to get distracted easily when driving and because of this, their car insurance rates are much higher.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates.
  • What type of vehicle do you drive? – The make and model of the vehicle you are insuring makes a significant difference in the rate you pay. The lowest rates are generally reserved for small economy passenger models, but there are many factors that impact the final cost.
  • How’s your driving record? – Only having one speeding ticket can increase rates by twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Never allow your policy to lapse – Driving with no insurance is against the law and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Your occupation can affect rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, social workers and accountants tend to have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations such as pilots, athletes and homemakers receive lower rates.
  • Increase deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be collision with another vehicle, collision with an animal, and windstorm damage. The deductibles are the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The more money you’re willing to pay, the bigger discount you will receive.

Vehicle Insurance Comparison

Most companies like 21st Century, Allstate and State Farm allow you to get pricing on the web. Getting online rates is pretty easy as you simply type in the coverage amounts you desire into a form. When the form is submitted, the system pulls your credit score and driving record and returns a price quote based on many factors.

This makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

Compare rates the easy way

The easiest way to locate the lowest prices uses one simple form to get prices from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. After sending the form, your coverage is rated and you can select your choice of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you replicate the insurance coverages identical to your current policy. This ensures you will get rate comparison quotes based on identical coverages.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but less common discounts must be specially asked for before being credited. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Paperwork-free – A few companies give back up to $50 for buying your policy online.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Accident Forgiveness – Some insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.

Consumers should know that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will help reduce the cost of coverage.

To choose providers offering car insurance discounts in Nevada, click this link.

Additional car insurance information is available on the Nevada Division of Insurance website through this link. Nevada consumers can read state legal mandates and laws, read consumer alerts, read enforcement actions against agents and companies, and learn about specific coverages.

Reno auto insurance

In conclusion

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, poor customer service, not issuing a premium refund or even delays in responding to claim requests. It doesn’t matter why you want to switch finding the right car insurance provider is pretty easy and you might even save some money in the process.

We just covered a lot of information how to compare car insurance prices online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a lesser-known regional company.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at the best price while still protecting your assets.