Free Guide to Saving Money on Fernley Auto Insurance Online

Are you tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other Nevada consumers.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to cut costs considerably using these methods. Buying car insurance in Fernley is quite easy. Nevertheless, Nevada consumers do need to know how the larger insurance companies sell insurance online because it can help you find the best coverage.

Tips to Get Lower Fernley Rates

Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

Safe vehicles cost less to insure - Cars with high safety ratings get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders.
An active claims history can cost you - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies in Nevada generally give cheaper rates to policyholders who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
High credit ratings translate to low rates - A driver's credit score is a large factor in your rate calculation. So if your credit score is lower than you'd like, you could save money insuring your by improving your credit score. People with excellent credit tend to be more responsible than drivers with poor credit.
Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Having a spouse can save you money - Having a wife or husband can actually save you money on auto insurance. Having a spouse translates into being more mature and responsible and it's statistically proven that drivers who are married are more cautious.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as judges, social workers and dentists have the highest average rates attributed to job stress and lengthy work days. Other professions such as farmers, historians and homemakers get better rates.
Protect yourself with liability coverage - Liability insurance will protect you if you are found liable for personal injury or accident damage. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
Bump up deductibles to save - The deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The more you have to pay, the less your company will charge you for insurance.

Compare Fernley Auto Insurance Costs

There are several ways of comparing rates and find the best price. One of the best ways to find the lowest rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

The fastest way to find low rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quote forms for every auto insurance company. In just a few minutes this one form will return quotes from many national carriers.
A slightly less efficient method to compare rate quotes is to take the time to go to the website for every company you want to comare to complete a price quote. For sake of this example, we'll pretend you want rates from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why most consumers use the first method. To view a list of companies in Fernley, click here.

Whichever method you choose, ensure you're using exactly the same coverages and limits for every company. If you enter different deductibles it will be impossible to decipher which rate is best in Fernley. Slightly different coverage limits may result in large price differences. And when price shopping your coverage, comparing more company's prices will increase your chances of finding a lower rate.

Take advantage of discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but less common discounts must be inquired about in order for you to get them.

Lower Rates for Military - Being deployed with a military unit could mean lower rates.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% depending on your company.
Air Bag Discount - Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
Payment Discounts - By paying your policy upfront instead of making monthly payments you could save up to 5%.
Paperless Signup - Certain companies may give you up to $50 simply for signing digitally online.
Fewer Miles Equal More Savings - Driving fewer miles could be rewarded with a substantially lower rate.
Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education in school.

It's important to understand that some credits don't apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

To choose insurers offering auto insurance discounts in Fernley, click here.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies have a common claim of big savings if you switch your coverage to them. How can each company claim to save you money?

All companies can use profiling for the type of customer that makes them money. For instance, a profitable customer might be between the ages of 40 and 55, is a homeowner, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements must pay more money and this can result in the customer not buying. The ad wording is "people who switch" not "people who quote" save that much money. That's why insurance companies can confidently advertise the savings.

This illustrates why you need to get as many quotes as possible. It's impossible to know the company that will fit your personal profile best.

Additional auto insurance information is located on the website for the Nevada Division of Insurance through this link. Visitors are able to find disaster information, download brochures, find out industry alerts, and view a list of available companies.

Affordable insurance is out there

Low-cost auto insurance is available both online as well as from independent agents in Fernley, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don't offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

We covered a lot of ways to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .