Winnemucca Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of car insurance companies in Winnemucca? Many other drivers are as well. You have so many choices that it can turn into more work than you anticipated to find better rates.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked for prior to getting the savings. If you're not getting every credit possible, you are throwing money away.

  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • New Car Discount - Insuring a new car is cheaper due to better safety requirements for new cars.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.

It's important to note that most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you're out of luck. But any discount will bring down your premiums.

The car insurance bait and switch

Consumers get pounded daily by advertisements that promise big savings by Progressive, Allstate and GEICO. They all make an identical promise that you can save if you move to their company.

How does each company make the same claim?

All the different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and has great credit. A customer who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is "people who switch" not "everyone that quotes" save that much. That's the way insurance companies can advertise the savings.

This emphasizes why you should compare many company's rates. Because you never know which car insurance company will give you the biggest savings.

Find out more about car insurance

More information is available on the Nevada Division of Insurance website through this link. Consumers can read industry bulletins, find disaster information, and read enforcement actions against agents and companies.

car insurance in Winnemucca

Best coverage at the best price

People who switch companies do it for many reasons like high rates after DUI convictions, delays in responding to claim requests, not issuing a premium refund and even denial of a claim. Regardless of your reason, finding the right car insurance provider is less work than it seems.

Lower-priced car insurance is definitely available from both online companies and also from your neighborhood Winnemucca agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.