Never Buy West Wendover Nevada Auto Insurance Without Knowing These Money Saving Techniques

I can’t think of anyone who likes having to buy auto insurance, particularly when the cost is way too high.

Numerous insurers battle for your insurance dollar, and it can be difficult to compare rates to find the best rate

You should make it a habit to take a look at other company’s rates periodically since insurance rates tend to go up over time. Despite the fact that you may have had the lowest price a year ago you can probably find a better price now. Starting now, forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest and easiest way to remove unneeded coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Finding the best rates in West Wendover is quite easy. But Nevada car owners need to learn the way insurance companies sell online and use this information to your advantage.

Smart Buyers can Save Money

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

• Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes have accidents at a similar rate, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
• Older drivers save more – Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
• Liability coverage is cheap – Liability insurance will protect you if ever a jury decides you are liable for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Pay less after the wedding – Having a wife or husband can actually save you money on your auto insurance policy. Having a significant other usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
• Where do you drive? – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Autos that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
• Special features that cut premiums – Owning a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
• Frequent auto insurance claims increase rates – If you frequently file small claims, you can definitely plan on higher rates. Auto insurance companies in Nevada provide better rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.

Auto Insurance Prices in West Wendover, Nevada

To find the best auto insurance prices, there are several ways of comparing price quotes from local in West Wendover, Nevadaauto insurance companies. The recommended way to find the lowest rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

• The fastest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form eliminates the need for boring form submissions for each company. Just one form gets rate comparisons from auto insurance companies with the best prices.
• A more time consuming way to analyze rates consists of going to each individual company website to complete a price quote. For instance, let’s assume you want comparison quotes from Liberty Mutual, GEICO and Farmers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in West Wendover, click here.

However you get your quotes, ensure you are comparing apples-to-apples coverages and limits for each comparison quote. If you compare higher or lower deductibles it’s impossible to determine which rate is truly the best in West Wendover. Just a small difference in coverage limits can make a big difference in price. And when quoting auto insurance, remember that getting more free quotes helps you find the best offered rates.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as State Farm and Allstate constantly bombard you with ads on television and other media. They all seem to have a common claim that you’ll save big if you switch to their company. How does each company say the same thing? This is how they do it.

All the different companies can use profiling for the type of driver that makes them money. For instance, a profitable customer might be a mature driver, has no tickets, and has great credit. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t qualify for these standards will have to pay more money which leads to business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s why companies can make those claims.

Because of the profiling, drivers must get as many quotes as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

Do you qualify for a discount?

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but some must be asked for prior to receiving the credit.

• Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
• Low Mileage – Fewer annual miles could be rewarded with a substantially lower rate.
• Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
• Multiple Cars – Buying insurance for all your vehicles with the same company qualifies for this discount.
• Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Senior Citizens – Mature drivers may receive a small decrease in premiums.

It’s important to note that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

For a list of companies with discount auto insurance rates in Nevada, click this link.

Additional auto insurance information can be found on the website for the Nevada Division of Insurance through this link. Nevada consumers can view agent and company licensing information, get help finding coverage, read enforcement actions against agents and companies, and learn about specific coverages.

More related West Wendover auto insurance information:

• Buy West Wendover Car Insurance Like a Scrooge

More comparisons equals lower rates

Lower-priced auto insurance can be purchased online and with local West Wendover insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

In this article, we covered many ideas to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.