Find Low-Cost Washoe Valley Car Insurance

Are you intimidated by the sheer number of car insurance options in Washoe Valley? You're not the only one! Drivers have so many options that it can turn into a real hassle to compare prices.

It's important to compare rates every six months due to the fact that insurance rates are constantly changing. Even if you got the lowest rates six months ago you can probably find a better price now. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to properly buy coverages and cut your premium.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get lower car insurance prices.

Bad driving skills means higher rates - Your driving record has a big impact on rates. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can boost insurance rates forty percent or more. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
Big city or small town - Choosing to live in a rural area has it's advantages when talking about car insurance. City drivers regularly have congested traffic and longer commutes to work. Lower population translates into fewer accidents.
Do you qualify for a multi-policy discount? - Many companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to ensure the best deal. You may still find a better deal by insuring with multiple companies.
With age comes lower rates - Youthful drivers in Nevada are known to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers.
Drive less and save money - Driving more miles in a year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance coverage properly reflects the proper vehicle usage.

How much can you save with discounts?

Auto insurance companies don't list every available discount very well, so we break down both the well known and the harder-to-find car insurance savings.

Discount for Good Grades - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company qualifies for this discount.
Multi-policy Discount - If you insure your home and vehicles with one company you may save up to 20% off your total premium.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, car insurance companies aren't that generous.

To choose providers who offer car insurance discounts in Nevada, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing about savings after switching to their company. But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. For example, a preferred risk might be between the ages of 40 and 55, has no driving citations, and has a high credit rating. Any driver who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be charged higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully state the savings. That is why you should quote coverage with many companies. You cannot predict which car insurance company will have the lowest rates.

Even more information can be found at the Nevada Division of Insurance website. Visitors are able to file complaints about a company, report car insurance fraud, and view agent and company licensing information.

Other informative sites include NAIC.org's Understanding your Policy and this directory of insurance agents in Washoe Valley Nevada.

Affordable insurance is out there

We just presented a lot of information how to save on car insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a lesser-known regional company.

Cheap car insurance can be purchased both online and also from your neighborhood Washoe Valley agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, do not buy poor coverage just to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.