Follow These Insider Ways for Lower Las Vegas Car Insurance

Using the web to shop for Las Vegas car insurance can seem complicated if you have never used quoting online. But don’t let that discourage you because there is an easy way to compare rates.

Consumers need to compare prices on a regular basis since insurance rates change quite often. Just because you found the best rates a couple years back there is a good chance you can find better rates now. Starting right now, ignore everything you know about car insurance because I’m going to teach you one of the best ways to properly buy coverages and cut your premium.

Do you qualify for a discount?

Car insurance companies do not list every available discount very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.

Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
Lower Rates for Military – Having a family member in the military could mean lower rates.
Distant Student – Any of your kids who are attending college and do not have a car can be insured at a reduced rate.
Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Fewer Miles Equal More Savings – Keeping the miles down can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

For a list of providers with the best car insurance discounts in Las Vegas, click this link.

Free Quotes for Car Insurance in Las Vegas

All major car insurance companies such as GEICO, State Farm and Progressive allow you to get prices for coverage online. Getting quotes doesn’t take much effort as you simply enter the coverages you want into a form. Behind the scenes, the company’s rating system pulls information on your driving record and credit history and quotes a price determined by many factors.

Online quotes makes comparing rates easy, but having to visit a lot of sites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step in order to find the best price on car insurance.

A more efficient way to find cheaper rates is to use a quote form to return rates from multiple companies. This type of form saves time, eliminates repetitive work, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is rated and you can select any of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes 15 minutes at the most and may save quite a bit of money.

To compare rates using this form now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you input the coverage information just like they are on your policy. Doing this guarantees you will have a price comparison using the same coverage and limits.

Educated Consumers Know How to Buy Car Insurance Cheaper

It’s important that you understand some of the elements that go into determining the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings. Car insurance in Las Vegas Nevada

Listed below are a few of the “ingredients” that factor into rates.

With age comes lower rates – Teenage drivers in Nevada are statistically proven to get distracted easily behind the wheel so car insurance rates are higher. If you’ve ever had to add a teenage driver onto a policy can break the bank. Older drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.
Adjust deductibles and save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
Do you qualify for a multi-policy discount? – Some insurers give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
Your occupation can affect rates – Occupations such as judges, executives and stock brokers have the highest rates attributed to stressful work requirements and lengthy work days. On the other hand, occupations such as farmers, students and the unemployed get better rates.
Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
Lower miles equals lower premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.

But don’t I need an insurance agent?

Certain consumers would prefer to buy from a local agent and that is just fine! Insurance agents can help determine the best coverages and help you file claims. One of the great benefits of comparing insurance prices online is you may find better rates but also keep your business local.

Once you complete this form (opens in new window), your information is submitted to agents in your area who will battle for your business. There is no reason to drive around since price quotes are sent to the email address you provide. Now that’s easy!

Choosing an provider needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:

How much will you save each year by using a higher deductible?
Do they review policy coverages at every renewal?
What is the agency’s Better Business Bureau rating?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Do they make recommendations based only on price?
If they are an independent agency, which companies do they recommend?
If you have an accident, will your rates go up?

If you want to contact a specific insurance agent in Las Vegas, visit this link.

After getting reasonable responses as well as a affordable price, you’ve probably found an insurer that will service your policy.

Don’t believe everything you hear

Nevada consumers can’t ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. All the ads make the same claim about savings if you switch to their company.

But how can every company make almost identical claims?

All the different companies have a certain “appetite” for the right customer they prefer to insure. For example, a driver they prefer could possibly be between 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who don’t meet these standards will have to pay higher rates which usually ends up with the customer not buying. The ads say “people who switch” not “people who quote” save that kind of money. That’s why insurance companies can advertise the savings. Because of the profiling, drivers must get a wide range of price quotes. It’s impossible to know the company that will fit your personal profile best.

Online plus local equals savings

Insureds who switch companies do it for many reasons like delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests and questionable increases in premium. Regardless of your reason for switching companies, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

In this article, we presented a lot of information how to reduce car insurance prices online. It’s most important to understand that 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 some of the smallest insurance companies.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible at the best price while still protecting your assets.