Shop For Carson City, NV Auto Insurance for Less Money With These Proven Methods

Are you overwhelmed by the dozens of auto insurance choices in Carson City? Many other drivers are as well. Consumers have so many companies to choose from that it can easily become a big hassle to find the perfect company for you.

It is always a good idea to get comparison quotes at least once a year since rates are usually higher with each renewal. Even if you think you had the best rates last year you may be paying too much now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to eliminate unnecessary coverages and save money.

Tips to Get Lower Carson City Rates

It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

  • Tickets mean higher rates – Even a single speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • One company can mean more discounts – Many insurance companies give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to confirm you are receiving the best rates possible.
  • Too many auto insurance claims drive up costs – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Nevada give discounts to drivers who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • How your age affects price – Youthful drivers in Nevada are known to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Lower rates with optional equipment – Owning a car with an alarm system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Do you know you’re credit rating? – Credit rating is a large factor in determining what you pay for auto insurance. Consumers who have high credit ratings tend to be less risk to insure than drivers with lower credit scores. If your credit score can use some improvement, you could be paying less to insure your by improving your credit score.
  • Allowing your policy to lapse raises rates – Allowing your auto insurance policy to lapse is a fast way to increase your auto insurance rates. Not only will you pay more, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Where you live can impact rates – Living in less populated areas has it’s advantages when talking about auto insurance. Fewer people means a lower chance of having an accident. Urban drivers have congested traffic and a longer drive to work. More time commuting means higher likelihood of an accident.

How to Buy Carson City Auto Insurance Online

Effectively comparing auto insurance prices can be challenging if you don’t know the easiest way. You can waste hours driving to insurance agencies in Carson City, or you could use the internet to get prices fast.

All the larger companies take part in a program that allows shoppers to submit their information once, and at least one company then returns a price quote for coverage. This eliminates the need for quote forms for each company you want a rate for. To enter your information into the quoting system, click to open in new window.

The single downside to doing it this way is you cannot specify which carriers to get quotes from. If you prefer to choose specific insurance companies to compare prices, we have a listing of companies who write auto insurance in Nevada. Click to view list.

It’s your choice how you get your quotes, but compare exactly the same coverage limits for each comparison quote. If the quotes have unequal deductibles or liability limits it’s not possible to decipher which rate is best in Carson City. Just a small difference in coverage limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes helps locate lower pricing.

Buyer beware of auto insurance advertising tricks

Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. All the companies make an identical promise that you can save after switching your policy. How does each company say the same thing? It’s all in the numbers.

All companies can use profiling for the type of driver they prefer to insure. A good example of a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and is almost guaranteed to save when switching.

Potential customers who don’t measure up to this ideal profile will have to pay more money which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save money. This is how companies can make the claims of big savings. Because of the profiling, drivers should get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

You probably qualify for some discounts

Auto insurance companies don’t always list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known savings tricks you should be using.Carson City insurance cheap

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current policy expires. The savings is around 10%.
  • College Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • No Accidents – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Accident Forgiveness – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To choose providers who offer auto insurance discounts in Carson City, click here to view.

Quote online but work with a neighborhood agent

A small number of people just want to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is that you can obtain lower rates but also keep your business local.

After filling out this simple form, your insurance coverage information is instantly submitted to participating agents in Carson City who will give you bids to get your business. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?! It’s the lowest rates and a licensed agent to work with.

Selecting an insurer should depend on more than just a cheap price. These are valid questions to ask:

  • Did they already check your driving record and credit reports?
  • Who are their largest clients?
  • Is assistance available after office hours?
  • How often do they review policy coverages?
  • Do they receive special compensation for putting your coverage with one company over another?

Not all car insurance agents are the same

If you’re trying to find an insurance agent, there are a couple of types of insurance agents that you can select. Carson City agents are classified as either captive or independent.

Captive Agents

Captive agencies have only one company to place business with such as AAA, Allstate and State Farm. These agents are not able to place coverage with different providers so always compare other rates. Captive agencies are trained well on the products they sell which helps them compete with independent agents. Consumers often buy from captive agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.

Listed below is a list of captive insurance agencies in Carson City willing to provide comparison quotes.

  • State Farm Insurance – 1940 Us Highway 50 E – Carson City, NV 89701 – (775) 882-3599
  • Farmers Insurance Group – – Carson City, NV 89701 – (775) 219-9703
  • Allstate Insurance – 194 W Winnie Ln – Carson City, NV 89703 – (775) 883-0505
  • American Family Insurance – 1621 Us Highway 50 E # E – Carson City, NV 89701 – (775) 885-8110
Independent Insurance Agents

Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When comparing rates, we recommend you contact at a minimum one independent agency for the best price selection.Most can insure with smaller regional carriers which may provide better rates.

Shown below is a list of independent agencies in Carson City who can help you get comparison quotes.

  • Nationwide Insurance Companies – – Carson City, NV 89701 – (775) 882-1219
  • Country Insurance and Financial – 502 E John St – Carson City, NV 89706 – (775) 884-4000

To view a full list of auto insurance agents in Carson City, go to this page.

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Once you have positive feedback to these questions and locked in a price quote, it’s possible that you found an insurance agency that meets your needs to properly service your auto insurance policy.

Additional detailed information is available at the Nevada Division of Insurance website. Nevada consumers can find disaster information, view a list of available companies, file complaints about a company, and learn about specific coverages.

And the best car insurance company is…

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at a price you can afford.

Insureds switch companies for a number of reasons such as not issuing a premium refund, denial of a claim, lack of trust in their agent or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

You just read many ideas to shop for auto insurance online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.