How to Know You’re Throwing Money Away for Car Insurance in Henderson

Finding affordable Henderson car insurance can be challenging for consumers new to comparison shopping online. There are so many companies to choose from that it can easily become a challenge to locate the lowest price in Henderson.

How much can you save with discounts?

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we break down both the well known and the harder-to-find car insurance savings.

• No Claims – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
• Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.
• Federal Employees – Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
• Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
• Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.
• Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free car insurance policy, you won’t be that lucky.

For a list of providers who offer car insurance discounts in Henderson, follow this link.

Car Insurance Comparison Rates in Henderson, Nevada

Most companies such as Allstate, GEICO and Progressive quote prices directly from their websites. Obtaining pricing is fairly straightforward as you simply type in your required coverages as detailed in the form. When complete, their system makes automated requests for your driving record and credit report and returns a price based on these and other factors.

This makes it a lot easier to compare rates but the work required to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find better prices.

Rate comparisons made easy

The preferred way to locate the lowest prices requires only one form that gets price quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes online quotes much simpler. Immediately after you send the form, your coverage is rated and you can choose any or none of the pricing results. If a lower price is quoted, you can click and sign and purchase coverage. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and use this form to compare rates, click here and submit your coverage information. If you have a policy now, it’s recommended you input your coverages identical to your current policy. This way, you will have a fair comparison for the exact same coverage.

Why some people pay less for insurance in Henderson

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get better car insurance rates.

• Where do you drive? – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage.
• Always keep insurance in force – Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
• Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
• Your location affects your rates – Choosing to live in a small town has it’s advantages when buying car insurance. Lower population translates into fewer accidents. Drivers in populated Nevada areas tend to have congested traffic and much longer commute distances. Longer commute distances means more change of being in an accident.
• Discounts for married couples – Being married helps lower the price when buying car insurance. Marriage usually means you are more mature and responsible and it’s proven that married drivers get in fewer accidents.
• Liability coverage protects you – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Don’t believe everything you hear

Companies like Allstate, GEICO and Progressive regularly use ads on TV and radio. All the ads make the same claim that you’ll save big if you move to their company. How do they all make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk might be between 25 and 40, is a homeowner, and has a short commute. A driver who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who fall outside these standards will be charged more money and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make those claims. That is why you should get as many comparisons as possible. You cannot predict which car insurance company will provide you with the cheapest rates.

More effort can pay off

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

In this article, we presented many ways to save on car insurance. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from some of the lesser-known companies.

Budget-conscious car insurance can be purchased on the web as well as from independent agents in Henderson, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

For more reading

Even more information is available at the Nevada Division of Insurance website. Visitors are able to read consumer alerts, read industry bulletins, find a variety of consumer forms, and learn about specific coverages.