7 Tricks Shown to Save on Car Insurance Costs in North Las Vegas

Expensive car insurance can dwindle your savings account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to help make ends meet. Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount very clearly, so we researched some of the more common as well as the least known ways to save on car insurance. If you're not getting every credit you deserve, you're paying more than you need to.

  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • No Accidents - Drivers who don't have accidents pay much less when compared to bad drivers.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Paperwork-free - Certain companies will give a small break for buying your policy over the internet.
  • Distant Student - Any of your kids who are attending college without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

To see a list of insurance companies with the best car insurance discounts in Nevada, click this link.

compare North Las Vegas car insurance rates

How to Get Cheap Car Insurance in North Las Vegas, NV

There are several ways to compare car insurance quotes, and some are less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in North Las Vegas, or you could save time and use online quotes to achieve your goal.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and every company provides a quote for coverage. This system prevents you from having to do quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of form is that you can't choose which carriers to get quotes from. If you wish to select specific providers for rate comparison, we put together a list of car insurance companies in Nevada. View list of Nevada insurance companies.

It's up to you how you get prices quotes, just make sure you use identical coverages for every company. If you use different limits and deductibles on each one it's not possible to decipher which rate is best in North Las Vegas.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether or not you could use an agent's help.

  • Are my tools covered if they get stolen from my vehicle?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Why does it cost so much to insure a teen driver in North Las Vegas?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers can't get away from ads for car insurance savings by State Farm, Allstate and GEICO. They all make the same claim about savings if you move to their company.

How does each company make the same claim?

All companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will be quoted more money which leads to business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the way they do. This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

A tidy conclusion

When shopping online for car insurance, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Cheap car insurance is definitely available from both online companies and also from your neighborhood North Las Vegas agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Nevada car insurance quotes

Learn more about car insurance in Nevada

Even more information is located at the Nevada Division of Insurance website. Consumers can view a list of available companies, file complaints about an insurance agent or broker, read industry bulletins, and learn about insurance regulations.