Car Insurance in Lund Nevada - 9 Discounts You Might be Forgetting

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me, you are not the only one feeling buyer's remorse. There are many to buy insurance from, and even though it's nice to have a selection, it makes it harder to compare rates.

Choosing the best insurance company for you in Lund is not that difficult. If you have insurance now or need new coverage, you can follow these tips to get lower rates and still get good coverage. Nevada consumers only need to know the proper methods to shop their coverage around online.

How to Compare Car Insurance Quotes in Lund, Nevada

Most companies like Allstate, GEICO and Progressive provide prices for coverage directly from their websites. Getting quotes is fairly straightforward as you just enter the coverages you want into the quote form. When the form is submitted, their rating system will obtain your credit score and driving record and quotes a price. Being able to quote online makes comparing rates easy, but having to visit different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

A quicker way to lower your rates is to use a quote form to get prices from more than one company. It's a real time-saver, reduces the work, and makes online price comparison a lot less work. Once the form is submitted, it gets priced and you can choose any one of the quotes returned. If a lower price is quoted, it's easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have a policy now, it's recommended you duplicate coverages and limits as close as possible to your current policy. This ensures you're receiving an apples-to-apples comparison for similar insurance coverage.

More discounts equal less premium

Companies that sell car insurance don't list all available discounts very clearly, so here is a list some of the more common as well as the least known car insurance savings. If you're not getting every credit possible, you're paying more than you need to.

Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Multi-car Discount - Having more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
Student in College - Children who live away from home and do not have a car may be able to be covered for less.
Discount for Good Grades - A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
Payment Discounts - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
No Charge for an Accident - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

To see a list of insurers offering car insurance discounts in Nevada, follow this link.

Even more information is available at the Nevada Division of Insurance website. Consumers can find out which companies have the most complaints, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.