Best Cheap Auto Insurance for Welfare Recipients in Nevada

Deciding which companies have the best auto insurance rates for welfare recipients involves a tad more effort in order to find a policy that fits your budget. Every insurance provider used slightly different criteria for determining rates in each state, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Nevada.

Lowest Insurance Price Quotes in Nevada

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Travelers has some of the most affordable car insurance rates in Nevada at around $912 each year. Allied, Capital, Oregon Mutual, and American Family also make the cut as some of the lowest-priced Nevada auto insurance companies.

In the rate table above, if you are currently insured with Allied and switched to Travelers, you could realize an annual savings of approxmiately $37. Drivers with Capital might save as much as $96 a year, and Oregon Mutual insureds might realize rate reductions of up to $235 a year.

Bear in mind that those premium estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a rate discount for welfare recipients. So the insurer that has the cheapest price for you may not even be in the list of companies shown earlier. That point stresses why you need to compare prices as often as possible using your own individual information.

When shopping for cheaper insurance for drivers on welfare, one of the many considerations that help determine the price you pay for insurance is where you keep your car. Areas with a lot of weather claims or more people like Winchester, Spring Valley, and Las Vegas tend to pay more, whereas areas with less congestion get the luxury of paying less.

The table below illustrates the more expensive cities in Nevada for welfare recipients to purchase car insurance in.

Rate quotes are approximated as specific Nevada zip code can increase or decrease coverage prices substantially.

Impact of careless driving on Nevada auto insurance rates

In a perfect world, the ideal way to earn cheap auto insurance prices in Nevada for drivers on welfare is to drive cautiously and have a clean driving record. The illustration below illustrates how traffic citations and at-fault claims influence auto insurance rates for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3327,3573,4271],[‘Age 30’, 1723,1967,2669],[‘Age 40’, 1693,1943,2641],[‘Age 50’, 1547,1797,2493],[‘Age 60’, 1499,1749,2447],[‘Age 70’, 1851,2105,2799]]);var options = {title: ‘Impact of Citations and Accidents on Nevada Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Nevada’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy in Nevada per year with a clean driving record and no accidents is $1,940. Factor in one speeding ticket and the average cost jumps to $2,189, an increase of $249 each year. Now include one accident along with the one speeding ticket and the yearly cost of auto insurance for welfare recipients goes up to an average of $2,887. That’s an increase of $947, or $79 per month, just for being a little careless behind the wheel!

Get discount Nevada car insurance

Car insurance companies that offer the best cheap car insurance for welfare recipients in Nevada could also offer price discounts that can reduce rates by 35% or more if you meet the requirements. A few of the larger companies and a summarized list of policyholder discounts can be found below.

• Farmers Insurance may have discounts that include youthful driver, pay in full, business and professional, multi-car, bundle discounts, and alternative fuel.
• Esurance has savings for DriveSense, multi-car, online quote, good driver, and good student.
• State Farm may include discounts for defensive driving training, Steer Clear safe driver discount, good student, good driver, accident-free, and anti-theft.
• GEICO offers premium reductions for membership and employees, daytime running lights, good student, five-year accident-free, anti-lock brakes, anti-theft, and defensive driver.
• Allstate has discounts for premier discount, teenSMART discount, FullPay discount, EZ pay plan discount, passive restraint, and farm vehicle.

The chart below visualizes the comparison of car insurance costs with and without discounts. The information is based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, defensive driving course, passive restraint, safe-driver, claim-free, and multiple vehicle discounts applied. When these discounts are applied, the the average amount saved on auto insurance for welfare recipients is 28% or $632.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3365,2423],[‘Age 30’, 2329,1689],[‘Age 40’, 2159,1565],[‘Age 50’, 1891,1373],[‘Age 60’, 1827,1323],[‘Age 70’, 2127,1533]]);var options = {title: ‘Effect of Discounts on Insurance Price for Welfare Recipients’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Nevada’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How to find the cheapest insurance for welfare recipients

The list below details some of the better penny-pinching suggestions that can help Nevada drivers get cheaper car insurance.

• Increase your credit rating
• Safer vehicles generally have cheaper insurance rates
• Do not get tickets
• Higher deductibles save money
• Accidents can significantly increase rates
• Do not pay for full coverage on older vehicles
• Compare rates regularly to ensure the best deal

The final tip is certainly valuable, as was stressed in this article. Car insurance rates vary greatly, so drivers shouldn’t hesitate to change insurance companies if a better rate can be found. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that loyalty ends up costing money that could be spent on other things. If you have a few minutes, shop around to find cheaper car insurance for welfare recipients.

Who has the cheapest insurance quotes for drivers on welfare?

Drivers have a lot of ways to find cheaper auto insurance in Nevada, but the most preferred ways are through a captive (or exclusive) agent such as State Farm or Allstate, an independent agent, or from a direct company like Geico or Progressive.

They all have the same basic principle, but buyers need to know the differences in how they work.

Independent insurance agencies write for multiple companies and can compare coverage rates with every one. Independent agents are not limited to a single company and can give you a larger rate selection, which may provide you with improved chances of finding a lower rate. If you want to switch companies, the business is moved internally and the insured can keep the same agent.

An agent who is captive is only able to write business for a single insurance company like Allstate or Farmers Insurance agents. This type of agents cannot quote prices from more than a single company, so you will not be able to compare other companys’ rates.

Drivers who opt to buy auto insurance direct forego an exlusive or independent agent and instead shop from a direct company like Progressive or Geico. This option may be a decent choice families who have little risk and have an above average understanding of what specific coverages they need.

So which of the methods works best to buy the best cheap car insurance for welfare recipients in Nevada? The majority of auto insurance shoppers assume that buying direct results in the cheapest price because there is no agent taking a commission, but in reality, that argument does not hold true. We could also say that using an independent agent is the best way due to more options, but that assumption is also not accurate. In a lot of cases, exclusive agencies have very competitive rates that are the lowest in Nevada.

Since auto insurance prices are based on many different factors, the best method to get the cheapest rates is to compare rate quotes from as many companies as possible. We recommend you get prices from all three types to give yourself plenty of rates to compare. For a list of companies offering online discounts in Nevada, click here to view.