Tightwads Tips for Saving on Hawthorne Auto Insurance

I can't think of anyone who looks forward to buying auto insurance, in particular when their premiums are through the roof. Drivers have so many to buy insurance from, and although it's nice to have a selection, too many choices makes it more difficult to compare rates.

Vehicle Insurance Comparison

Most companies like Allstate, GEICO and Progressive provide price estimates online. Getting online rates is quite simple as you just enter your personal and coverage information as detailed in the form. When the form is submitted, the company's rating system will obtain your driving and credit reports and gives you a price quote. Being able to quote online streamlines rate comparisons, but the process of having to visit several different sites and enter the same data into a form can get tiresome after awhile. But it's very important to perform this step if you want to find better auto insurance pricing.

Quote rates the easy way

A quicker way to compare rates uses one simple form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes price shopping online much easier to do. After sending your information, it gets priced with multiple companies and you can pick any one of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process takes less than 15 minutes and you'll know if lower rates are available.

To save time and find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter coverages and limits identical to your current policy. This ensures you will get comparison quotes for similar insurance coverage.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts very clearly, so we break down both well-publicized and the harder-to-find auto insurance savings. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Homeowners Savings - Owning a home in Hawthorne may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Safety Course Discount - Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Save over 55 - Mature drivers may receive a small decrease in premiums.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy qualifies for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, auto insurance companies aren't that generous.

To see a list of insurers with discount auto insurance rates in Nevada, follow this link.

Different people need different coverages

When choosing adequate coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether you will benefit from professional help.

  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

If you don't know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Even more information can be found at the Nevada Division of Insurance website. Nevada consumers can report car insurance fraud, file complaints about a company, discover disciplinary actions, and learn about insurance regulations.