Cheapest Car Insurance for Government Employees in Nevada

When shopping for car insurance for state and federal workers, one of the many factors that play a part in determining insurance cost is where your car is garaged. Areas with more people or even just a higher incidence of claims like Winchester, Paradise, and Las Vegas tend to pay more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The next table illustrates the most expensive areas in Nevada for government employees to purchase a policy in.

Premium costs are approximated as vehicle location can change premiums greatly.

Deciphering which company offers the best auto insurance rates for government employees calls for a little more work in order to find the best policy. Each insurer uses a different method to determine premium rates, so to begin we’ll rank the auto insurance companies with the overall cheapest rates in Nevada.

Best Car Insurance Prices in Nevada

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Allied normally has some of the lowest car insurance rates in Nevada at around $911 each year. Travelers, Capital, Oregon Mutual, and American Family also qualify as some of the most economical Nevada car insurance companies.

As the rates illustrate above, if you currently have a policy with Oregon Mutual and switched to Travelers, you could earn savings of approxmiately $254. Customers with American Family could save as much as $255 a year, and Progressive customers might see rate reductions of $263 a year.

To find out how your current rates compare, click here to get a free quote or visit several of the following companies.

Remember that these policy rates are averages across all ages of drivers and types of vehicles and are not factoring in a rate decrease for government employees. So the auto insurance company that can offer you the best price may not even be included in the company chart above. That illustrates why you need to get rate quotes from many companies using your own personal information and vehicle type.

Cost and performance of the vehicle you are insuring is a large factor in finding the best cheap car insurance for government employees. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models.

The next lists presents insurance rates for a number of the most cost-effective automobiles to buy coverage for.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific Nevada garaging location which can revise coverage prices significantly.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location which can revise coverage rates considerably.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact insurance rates greatly.

Liability only or full coverage

Finding the cheapest car insurance for government employees in Nevada is probably important to most vehicle owners, and one of the best ways to find cheap insurance is to buy liability only. The illustration below visualizes the comparison of annual premium costs with full coverage compared to only the Nevada minimum liability coverage. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are applied.

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On average, physical damage coverage costs an extra $1,971 per year over and above liability coverage. That proposes the question if physical damage coverage is worth the money. There is no definitive formula to delete physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Get discount Nevada car insurance rates

Auto insurance companies that provide the cheapest car insurance for government employees in Nevada may additionally offer special discounts that could lower prices by 40% or more if you qualify. Popular auto insurance companies and some of their more popular discounts can be found below.

• Progressive may have discounts that include continuous coverage, multi-policy, good student, homeowner, online signing, and multi-vehicle.
• Farmers Insurance offers discounts for early shopping, alternative fuel, electronic funds transfer, homeowner, bundle discounts, and good student.
• Farm Bureau discounts include driver training, youthful driver, safe driver, multi-policy, renewal discount, and multi-vehicle.
• State Farm may offer discounts for driver’s education, multiple autos, Drive Safe & Save, good student, anti-theft, defensive driving training, and safe vehicle.
• GEICO includes discounts for military active duty, driver training, anti-lock brakes, good student, multi-policy, and membership and employees.
• SAFECO has discounts for homeowner, accident prevention training, safe driver, teen safety rewards, teen safe driver, and drive less.
• Liberty Mutual has savings for new move discount, multi-car, newly married, hybrid vehicle, exclusive group savings, preferred payment discount, and safety features.

The illustration below compares auto insurance rates with and without discounts applied. The premiums assume a female driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, anti-theft, claim-free, passive restraint, multiple vehicle, and homeowner discounts applied. When discounts are factored in, the the average yearly reduction on auto insurance for government employees is 28% or $579.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3089,2223],[‘Age 30’, 2129,1543],[‘Age 40’, 1975,1431],[‘Age 50’, 1731,1257],[‘Age 60’, 1673,1211],[‘Age 70’, 1951,1407]]);var options = {title: ‘Comparison of Insurance Rates for Government Employees’,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);}

Who is cheaper: State Farm, Allstate, Progressive, or Geico?

If you are shopping around for auto insurance for state and federal workers in Nevada, some of the first companies to look at are State Farm, Allstate, Progressive, and Geico. Combined they make up 48.5% of the entire U.S. market share. All of them have unique coverages that shoppers can select from. The data below shows some of the different features that are available for policyholders.