7 Discounts Battle Mountain Consumers Forget when Shopping for Car Insurance

Nobody I know looks forward to buying car insurance, particularly when the cost is way too high. Drivers have multiple to buy insurance from, and even though it's nice to have a selection, it can be more challenging to compare rates.

It's important to compare prices periodically since rates are constantly changing. If you had the best price two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

Battle Mountain car insurance quote

How to Get Battle Mountain Car Insurance Comparison Quotes

Shopping for lower car insurance rates can take hours if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to insurance agencies in Battle Mountain, or you could save time and use the web to quickly compare rates.

The majority of car insurance companies enroll in a system that allows shoppers to submit their information once, and each company can give them a price for coverage. This eliminates the need for quote forms for each company you want a rate for.

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

One minor caviat to comparing rates this way is buyers cannot specifically choose the providers you want to price. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of car insurance companies in Nevada. View list of Nevada insurance companies.

It doesn't matter which method you choose, just be sure to compare identical deductibles and coverage limits on every quote you get. If you use different values for each quote it's not possible to determine which rate is truly the best in Battle Mountain.

How much can you save with these seven discounts?

Car insurance is not cheap, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for prior to getting the savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Resident Student - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

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

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the financial responsibility laws in Nevada?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Additional Nevada consumer information

More information can be found on the website for the Nevada Division of Insurance located here. Visitors are able to find out industry alerts, view a list of available companies, file complaints about an insurance agent or broker, and learn about insurance regulations.