Feel like you’re a prisoner to high-priced auto insurance? Trust us, there are lots of people in the same boat.
Drivers have so many car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more difficult to adequately compare rates.
It’s a great practice to take a look at other company’s rates before your policy renews due to the fact that insurance rates go up and down regularly. Just because you found the best rates two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.
Carson City Auto Insurance Quote Comparison
All major auto insurance companies such as Allstate, GEICO and Progressive quote coverage prices online. Getting online rates is pretty easy as you just enter your coverage preferences into the quote form. After you submit the form the system gets your driving record and credit report and generates a price based on these and other factors. Online quotes makes it a lot easier to compare rates but the process of having to visit many different websites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to do this if you want to find the best price possible.
An easier way to locate the lowest prices is to use a quote form to get prices from many companies. This type of form saves time, eliminates form submissions, and makes online quotes a little more enjoyable. Immediately after you send the form, it is quoted and you can select any or none of the returned quotes.
If a lower price is quoted, you can simply submit the application and buy the policy. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.
In order to find out how much you can save on auto insurance, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you replicate deductibles and limits exactly as shown on your declarations page. This way, you will receive a price comparison using the exact same coverages.
Discounts can save BIG
Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. Most are applied when you quote, but a few need to be requested specifically before they will apply.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Passive Restraints – Factory air bags can get savings up to 30%.
- College Student – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
- Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
- Federal Employees – Employees or retirees of the government could cut as much as 10% off with certain companies.
- No Claims – Claim-free drivers can save substantially compared to bad drivers.
- Senior Citizens – Older drivers can possibly qualify for better auto insurance rates.
A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your overall premium however.
More information is available on the website for the Nevada Division of Insurance found here. Visitors are able to read industry bulletins, discover disciplinary actions, and find a variety of consumer forms.