Proven Techniques to Save on Carson City Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are lots of people in the same boat.

Multiple compete to insure your vehicles, so it can be very hard to choose a to get the lowest rate

If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage in Carson City is quite easy. Nevertheless, Michigan consumers do need to know how big insurance companies sell online and use this information to your advantage.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every discount 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.

Student Driver Training - Have your child successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles can earn discounted rates on garaged vehicles.
Memberships - Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance.
Safety Course Discount - Completing a defensive driving 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.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Claim Free - Drivers with accident-free driving histories can save substantially when compared to bad drivers.

It's important to understand that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like it's possible to get free car insurance, it doesn't quite work that way.

To see a list of insurance companies with discount car insurance rates in Carson City, click here to view.

How to Compare Carson City Car Insurance Costs

The are a couple different ways of comparing rates from car insurance companies in your area. The best method to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

The best way to find low rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry for every car insurance company. Completing one form gets you price quotes direct from many companies.
A slightly less efficient method to shop for car insurance online requires a trip to the website of each company and fill out their own quote form. For instance, we'll pretend you want to compare rates from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in Carson City, click here.
The least recommended method of getting rate comparisons is to spend time driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you require the professional guidance of a local Carson City agent. However, consumers can obtain prices from the web but buy from a local insurance agent and you'll learn how to do that later.

It's your choice how you get your quotes, but compare the exact same quote information for every quote you compare. If you are comparing mixed coverages it will be impossible to determine the best price in Carson City. Quoting even small variations in coverage limits may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding a better price.

Tips to Get Lower Carson City Rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Your car's features help determine rates - Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
Better crash test results mean better rates - Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you.
Protect yourself with liability coverage - Your policy's liability coverage provides coverage when you are found liable for personal injury or accident damage. It provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
Policy add-ons can waste money - There are quite a few extra coverages that can waste your money when buying car insurance. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
Males pay more for insurance - Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn't mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically receive more costly citations like DUI and reckless driving.
Do you work long hours in a high stress job? - Careers like lawyers, business owners and accountants have higher rates than average because of job stress and lengthy work days. On the flip side, occupations like actors, athletes and retirees get better rates.
Pay less after the wedding - Having a spouse helps lower the price on your policy. Having a significant other translates into being more mature and responsible and it's proven that being married results in fewer claims.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all make an identical promise of big savings if you change your coverage to them. How do they all claim to save you money?

All companies are able to cherry pick for the type of customer that is profitable for them. For example, a driver they prefer might be between 30 and 50, has no tickets, and has a short commute. Any driver who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be quoted higher prices and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently make the claims of big savings. This emphasizes why drivers must get a wide range of price quotes. You cannot predict which car insurance company will fit your personal profile best.

Shop smart and save

Low-cost car insurance can be sourced both online as well as from independent agents in Carson City, so compare prices from both so you have a total pricing picture. Some insurance providers don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

More tips and info about car insurance can be found at the Michigan Office of Financial and Insurance Regulation website. Visitors are able to view a list of available companies, find disaster information, find out which companies have the most complaints, and discover disciplinary actions.