6 Discounts Las Vegas Shoppers Overlook when Insurance Shopping Online for a Volkswagen Vanagon

Sick and tired of not being able to afford to pay your car insurance bill each month? You are no different than millions of other consumers. Popular companies such as GEICO, 21st Century and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to cut your premiums while maintaining coverages. Finding the best rates in Las Vegas is not that difficult. Nevada drivers just need to learn the proper methods to get comparison quotes over the internet.

Save big with these six discounts

Insurance can be prohibitively expensive, but you may find discounts to reduce the price significantly. Most are applied at the time of purchase, but less common discounts must be asked about before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
Service Members Pay Less – Being deployed with a military unit could mean lower rates.
Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck. But any discount will help reduce the cost of coverage.

Quick Las Vegas Car Insurance Quotes

Reducing your Volkswagen Vanagon insurance rates is surprisingly easy. All you need to do is take a couple of minutes comparing price quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The most efficient way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing a different quote for each company. A single, simple form will get you rate comparisons .
A more time consuming way to obtain and compare quotes online requires a visit to each individual company website to complete a price quote. For instance, we’ll assume you want to compare rates from Farmers, Allstate and Liberty Mutual. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in Las Vegas, click here.

However you get your quotes, compare apples-to-apples coverage limits and deductibles for every company. If you compare mixed coverages it’s not possible to truly determine the lowest rate in Las Vegas.

But I don’t know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you will benefit from professional help.

I don’t drive much so do I pay less?
Which companies will insure high-risk drivers?
Are my friends covered when driving my Volkswagen Vanagon?
Do I need added coverage for expensive stereo equipment?
Does my car insurance cover rental cars?
What if I don’t agree with a claim settlement offer?
Does my Volkswagen Vanagon qualify for pleasure use?
Am I covered when driving in Canada or Mexico?
Do I need PIP (personal injury protection) coverage in Nevada?
Do I need motorclub coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a Volkswagen Vanagon

Having a good grasp of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Vanagon.

Since many Nevada drivers carry very low liability coverage limits (15/30/10 in Nevada), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Collision coverage – This coverage will pay to fix damage to your Vanagon caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability insurance will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, medical expenses and court costs. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying higher limits.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses for chiropractic care, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Compare but don’t skimp

Cheap Volkswagen Vanagon insurance can be found from both online companies as well as from independent agents in Las Vegas, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer online quoting and these small insurance companies work with independent agents.

When shopping online for car insurance, you should never buy less coverage just to save a little money. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at a price you can afford.