9 Tricks to Save on Car Insurance in Pioche

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you.

Consumers have many to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to compare rates.

It's important to compare rates every six months since rates are constantly changing. Despite the fact that you may have had the lowest rates a few years ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about car insurance because we're going to show you the tricks you need to know to properly buy coverages and cut your premium.

Finding affordable protection in Pioche is not that difficult. In a nutshell, every driver who has to buy car insurance should be able to cut their insurance bill. Nevertheless, Nevada car owners do need to know the way insurance companies compete online and use this information to your advantage.

Compare Quotes for Pioche Car Insurance

The are a couple different ways to compare rate quotes from car insurance companies in your area. One of the best ways to compare insurance prices consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

The fastest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form prevents you from having to do repetitive form entry for each company. Filling out one form will get you rate comparisons direct from many companies.
A different way to shop for car insurance online requires you to visit each company website to request a price quote. For examples sake, we'll pretend you want to compare rates from , and . You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Pioche, click here.
The most time-consuming method to get comparison rates is driving to different Pioche agent offices. Buying insurance online eliminates the need for an insurance agent unless you require the professional guidance of a licensed agent. It is possible to find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, ensure you are comparing identical coverage information for each price quote. If the quotes have unequal deductibles or liability limits it's not possible to truly determine the lowest rate in Pioche. Slightly different coverage limits may result in a large different in cost. Just remember that getting more free quotes helps locate the best offered rates.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

Discount for Good Grades - This discount can save 20 to 25%. This discount can apply well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
Resident Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
No Charge for an Accident - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
New Car Discount - Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
Drivers Education - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.

It's important to understand that some credits don't apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To choose providers who offer car insurance discounts in Nevada, click here.

Save $429 a year? Really?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads have a common claim of big savings after switching to their company. How does each company make the same claim?

Different companies are able to cherry pick for the driver that makes them money. For example, a preferred risk could be a mature driver, has no driving citations, and has a short commute. Any new insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be charged higher premiums and this can result in business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently make the claims of big savings.

That is why you need to get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional car insurance information can be found on the website for the Nevada Division of Insurance located here. Consumers can file complaints about a company, report car insurance fraud, read enforcement actions against agents and companies, and learn about insurance regulations.

Affordable insurance is out there

You just learned a lot of ways to compare car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with the least-expected company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

Low-cost car insurance can be bought from both online companies and also from your neighborhood Pioche agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, never reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.