Easy Methods to Save Money on Nevada Car Insurance

Finding affordable Nevada car insurance is a challenge for beginners to buying insurance online. People have so many options that it can easily become a big hassle to find the best price in Nevada.

Are you getting all your discounts?

Car insurance companies don't always advertise every discount very clearly, so here is a list some of the more common as well as the least known ways to save on car insurance.

Drivers Education - Have your child successfully complete driver's ed class in high school.
Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
Good Students Pay Less - A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
Memberships - Belonging to a qualifying organization could trigger savings when shopping for car insurance.
One Accident Forgiven - Certain companies will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
55 and Retired - Mature drivers can possibly qualify for a small decrease in premiums.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky.

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

Compare the Market for Car Insurance in Nevada

Most companies like State Farm, Allstate and GEICO provide price estimates directly from their websites. The process is quite simple as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, their rating system will obtain your driving record and credit report and returns a price based on many factors.

This streamlines rate comparisons, but having to visit different websites and fill out multiple forms gets old quite quickly. But it's very important to compare as many rates as possible if you want to find the best price on car insurance.

Quote rates the easy way

The preferred way to find cheaper rates utilizes a single form that gets prices from many companies. The form is fast, requires less work, and makes online price comparison a little more enjoyable. Once the form is submitted, it gets priced and you are able to buy any one of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and purchase the new policy. The whole process only takes a few minutes and you will find out if you're overpaying now.

If you want to find out if lower rates are available, click here to open in new window and input your coverage information. If you have a policy now, it's recommended that you enter the coverage information as close as possible to your current policy. This makes sure you're receiving an apples-to-apples comparison based on the exact same insurance coverage.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to better car insurance rates.

Small claims can cost you - If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies in Iowa give lower rates to insureds who do not file claims often. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
Where you live can impact rates - Being located in a small town can save you money when it comes to car insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
Liability coverage is cheap - The liability section of your policy will protect you when you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
How's your driving record? - A bad driving record has a lot to do with how much you pay for insurance. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. Only having one moving violation can bump up the cost by twenty percent. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.
Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.
Performance makes a difference - The make and model of the vehicle you are buying insurance for makes a big difference in how high your rates are. The lowest rates are generally reserved for small economy passenger models, but other factors influence the final cost greatly.
Do you know you're credit rating? - Having a bad credit rating is a important factor in your rate calculation. People with excellent credit tend to be more responsible than those with poor credit. If your credit rating can use some improvement, you could pay less to insure your by spending a little time repairing your credit.

How can State Farm, Allstate and GEICO save drivers who switch?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on television and other media. They all make the same claim about savings if you move your coverage to them. How does each company make the same claim?

Different companies can use profiling for the type of customer that is profitable for them. An example of a driver they prefer could be between 30 and 50, has no tickets, and has a high credit rating. A customer who matches those parameters will get very good rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher rates which leads to business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much money. That's why companies can truthfully state the savings. This emphasizes why drivers must compare as many rates as you can. Because you never know the company that will have the lowest rates.

Shop smart and save

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, high rates after DUI convictions, poor customer service or questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There have been many situations where an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Cheaper car insurance is definitely available from both online companies as well as from independent agents in Nevada, so compare prices from both to get a complete price analysis. Some insurance companies don't offer the ability to get a quote online and these smaller companies work with independent agents.

Even more information is available at the Iowa Insurance Division website. Consumers can download brochures, view agent and company licensing information, and find out which companies have the most complaints.

Additional helpful sites include this site for car insurance rates in Iowa and this list of insurance agents in Nevada, IA.