Top 10 Ways You Can Buy Car Insurance for Less in Fallon

If you’ve never shopped for car insurance online, it’s easy to be confused due to the large number of car insurance companies offering coverage in Fallon.

You should take the time to check car insurance prices periodically since insurance rates change frequently. Even if you got the lowest price two years ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about car insurance on the web, but we’re going to give you some good information on how to quit paying high car insurance rates.

Take advantage of discounts

Car insurance can cost a lot, but you can get discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but less common discounts must be asked for before being credited.

  • Own a Home – Owning a home in Fallon can save you money because maintaining a house requires personal responsibility.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • No Claims – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

To choose providers who offer car insurance discounts in Nevada, click here.

Save $434 a year. For real?

Car insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to make the same claim that you can save if you switch to them. How do they all claim to save you money?

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a preferred risk could possibly be between the ages of 30 and 50, owns a home, and chooses high deductibles. Any new insured who fits that profile receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t qualify for this ideal profile will be charged a higher premium and ends up with the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that much. That’s why insurance companies can make the claims of big savings.

That is why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Information about specific coverages

Having a good grasp of car insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.Fallon NV insurance cheap

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like surgery, EMT expenses, ambulance fees, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hitting a bird, vandalism, damage from getting keyed and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This pays for damage to your vehicle resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, emergency aid, legal defense fees, attorney fees and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy more coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your vehicle.

Since many Nevada drivers only purchase the least amount of liability that is required (15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Fallon NV insurance cheap

For more reading

More information can be read on the Nevada Division of Insurance website through this link. Visitors are able to view a list of available companies, learn about insurance regulations, read state legal mandates and laws, and download brochures.

The following information may also be useful.

Final considerations

Discount car insurance is available from both online companies and also from your neighborhood Fallon agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Throughout this article, we presented many ways to reduce car insurance prices online. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from some of the lesser-known companies.

People who switch companies do it for any number of reasons including lack of trust in their agent, poor customer service, denial of a claim or even delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company can be pretty painless.