10 Discounts Nevada Drivers Forget when Buying Insurance for a Jeep YJ
Expensive car insurance can empty your personal savings and put the squeeze on your family’s finances. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet.
Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
It is always a good idea to price shop coverage yearly since insurance rates change regularly. Just because you had the best price on YJ insurance a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding car insurance on the internet, so with this article, you’re going to get the easiest ways to slash your car insurance rates.
Discounts are basically free money
Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Some trigger automatically when you get a quote, but some may not be applied and must be asked for before being credited.
- Club Memberships – Being a member of certain professional organizations could qualify you for a break when shopping for car insurance on YJ insurance.
- Safe Drivers – Insureds without accidents can pay as much as 50% less on YJ insurance than drivers with accidents.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates on YJ insurance.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
- Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
- Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
- No Accidents – Claim-free drivers pay less compared to bad drivers.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
- Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.
To see a list of insurers offering car insurance discounts in Nevada, click here.
Comprehensive Nevada Car Insurance Comparison Quotes
Effectively comparing car insurance prices can be a daunting task if you don’t understand the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting for quick rates.
Most of the larger companies participate in a marketplace where insurance shoppers complete one form, and at least one company can give them a price based on that information. This prevents consumers from doing form submissions for every car insurance company.
To submit your quote information now, click here to start a free quote.
The only drawback to using this type of form is that you can’t choose the providers to get pricing from. So if you prefer to pick from a list of companies to compare, we put together a list of car insurance companies in Nevada. View list of Nevada insurance companies.
It doesn’t matter which method you choose, just compare apples-to-apples coverage information on every quote you get. If you have different values for each quote it will be next to impossible to determine the lowest rate for your Jeep YJ. Having just a slight variation in limits can make a big difference in price. And when quoting car insurance, remember that getting more free quotes will improve the odds of getting lower pricing.
Which insurance is the “right” coverage?
When choosing adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.
- Does my personal policy cover me when driving my company car?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered by my spouse’s policy after a separation?
- How much underlying liability do I need for an umbrella policy?
- Do I need PIP coverage since I have good health insurance?
- Should I buy only the required Nevada minimum liability coverage?
- Do I need motorclub coverage?
- How high should my medical payments coverage be?
- Does my Jeep YJ qualify for pleasure use?
- Exactly who is provided coverage by my policy?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Auto insurance coverage information
Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.
Collision coverages – This covers damage to your YJ resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle, crashing into a building, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Jeep YJ.
Due to the fact that many Nevada drivers only carry the minimum required liability limits (Nevada limits are 15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.
Auto liability – This coverage will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things such as bail bonds, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry more coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for expenses like rehabilitation expenses, hospital visits, dental work, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things like falling objects, hitting a deer, vandalism and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
More quotes mean more savings
Cheap Jeep YJ insurance can be bought from both online companies as well as from independent agents in Nevada, and you should be comparing both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
We just presented a lot of ways to compare Jeep YJ insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.
When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Additional Nevada consumer information
More information can be found on the website for the Nevada Division of Insurance through this link. Nevada drivers can find out which companies have the most complaints, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and report car insurance fraud.
More related Nevada car insurance information: