6 Discounts Las Vegas Drivers Overlook when Insurance Shopping Online for a Mazda B2500 Pickup

Are you tired of paying out the nose each month for car insurance? You’re in the same situation as the majority of other car owners in Nevada.

Multiple car insurance companies compete for your business, so it can be very hard to choose a insurer to find the absolute lowest rate possible.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Finding affordable coverage in Las Vegas is easy if you know what you’re doing. But Nevada car owners must understand how insurance companies sell online.

Pay less by taking advantage of these six discounts

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be requested specifically before you will receive the discount.

Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
55 and Retired – Mature drivers can possibly qualify for a discount up to 10% for B2500 pickup coverage.
Homeowners Savings – Owning a house in Las Vegas can save you money due to the fact that maintaining a home requires personal responsibility.
No Accidents – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.

It’s important to note that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

To see a list of insurers with the best auto insurance discounts in Nevada, click here.

Don’t I need to talk to an agent?

Some people would prefer to talk to a local agent. One of the great benefits of comparing insurance prices online is you can get lower rates and still choose a local agent. And supporting local businesses is definitely important in Las Vegas.

To help locate an agent, after submitting this simple form, your insurance data is immediately sent to companies in Las Vegas who will battle for your coverage. There is no need to visit any agencies as quotes are delivered immediately to your email address. How cool is that?! You can find better rates and an insurance agent to talk to.

Best insurance agency in Las Vegas

When finding a reputable insurance agent or broker, you need to know there are two types of agencies from which to choose. Las Vegas agents are categorized either independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, we recommend you get quotes from several independent insurance agents for the best price selection.

Captive Agents

Captive agencies have only one company to place business with like State Farm, Allstate and AAA. Captives cannot shop your coverage around so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage.

Selecting an auto insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions: free Las Vegas insurance quote

Are they properly licensed to sell insurance in Nevada?
What are the financial ratings for the companies they represent?
Can glass repairs be made at your home?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Will their companies depreciate repairs to your car based on the mileage?
How many years of experience in personal lines insurance coverages do they have?
If your car is totalled, how to they determine the replacement cost?

Once you have acceptable answers to these questions and a low price estimate, chances are good that you have found an insurance agent that meets your needs to provide auto insurance coverage.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm, GEICO and Progressive consistently run ads on television and other media. All the ads say the same thing that you’ll save big if you change to them. How does each company claim to save you money? This is how they do it.

All companies have a preferred profile for the driver they prefer to insure. For instance, a profitable customer could possibly be between 25 and 40, owns a home, and drives newer vehicles. A propective insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who don’t qualify for the “perfect” profile will be quoted a higher premium which leads to the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can state the savings.

This emphasizes why it’s extremely important to get as many comparisons as possible. Because you never know the company that will fit your personal profile best.

Auto insurance specifics

Having a good grasp of a auto insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mazda B2500 Pickup.

Since many Nevada drivers carry very low liability coverage limits (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, a broken windshield, vandalism and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your B2500 Pickup resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, EMT expenses, dental work, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as emergency aid, repair bills for other people’s vehicles, funeral expenses, legal defense fees and repair costs for stationary objects. 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 requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing higher limits.

Additional auto insurance information is available on the website for the Nevada Division of Insurance found here. Nevada drivers can read state legal mandates and laws, view a list of available companies, read enforcement actions against agents and companies, and discover disciplinary actions.

Quote often and quote early

We just showed you some good ideas how to save on Mazda B2500 Pickup insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a lesser-known regional company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper Mazda B2500 Pickup insurance can be bought both online and also from your neighborhood Las Vegas agents, so compare prices from both so you have a total pricing picture. Some auto insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.