7 Discounts Las Vegas Drivers Forget when Buying Insurance Online for a Honda Accord Crosstour

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us, you’re not alone.

You have multiple insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to find the lowest cost provider.

The purpose of this post is to let you in on the best way to quote coverages. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. But Nevada consumers can benefit from knowing how the larger insurance companies compete online because it can help you find the best coverage.

These seven discounts can lower your rates

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few must be inquired about in order for you to get them.

Sign Online – A few companies give back up to $50 for buying your policy on their website.
Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
Fewer Miles Equal More Savings – Fewer annual miles on your Honda can earn lower rates on the low mileage vehicles.
No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
No Claims – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will reduce your premiums.

How to Compare Car Insurance Costs in Las Vegas, NV

Most major insurance companies such as State Farm and Allstate allow you to get pricing directly from their websites. The process is fairly simple as you simply type in the coverage amounts you desire into the quote form. After the form is submitted, the system collects your credit score and driving record and returns pricing information based on these and other factors. Being able to quote online makes it a lot easier to compare rates but the time required to go to many different websites and fill out multiple forms can be a bit repetitive. But it is imperative to get many rate quotes in order to get the best price on car insurance.

A less time-consuming method to lower your car insurance bill utilizes a single form to return rates from several companies at one time. The form is fast, eliminates repetitive work, and makes comparison shopping much simpler. Immediately after you send the form, it is rated with multiple companies and you can pick any of the quote results.

If you find a better price you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and can result in significant savings.

To quickly compare rates now, simply click here to open in new window and enter your information. To compare your current rates, we recommend you duplicate the coverage information identical to your current policy. This ensures you will get rate quotes based on identical coverages.

Car insurance coverage breakdown

Understanding the coverages of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a building, colliding with another moving vehicle, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, vandalism, damage from getting keyed, damage from a tornado or hurricane and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, 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 limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, structural damage, pain and suffering, court costs and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as large an amount as possible. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy higher limits.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, prosthetic devices and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Nevada drivers carry very low liability coverage limits (15/30/10 in Nevada), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.

One last thing

Budget-conscious Honda Accord Crosstour insurance is attainable both online as well as from independent agents in Las Vegas, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We covered many ways to reduce Honda Accord Crosstour insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best prices are with a small mutual company. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In many cases, drivers have reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at a price you can afford.

Learn more today

More information can be found on the website for the Nevada Division of Insurance. Click here for link. Consumers can learn about specific coverages, download brochures, and find out industry alerts.

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