7 Tricks Guaranteed to Save on Chevy Metro Auto Insurance Premiums in Las Vegas Nevada

Searching for the cheapest insurance for a new or used Chevy Metro in Nevada can turn out to be difficult, but you can use the following methods to save time. There is a better way to buy auto insurance so we’re going to tell you the best way to price shop coverage on a Chevy and locate the best price possible from Las Vegas insurance agents and online providers.

Comprehensive Las Vegas Auto Insurance Comparison

Getting better Chevy Metro auto insurance pricing can be relatively painless. You just need to invest a few minutes to compare quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

One of the simplest ways to find low rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for repetitive form entry for every auto insurance company. A single form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A less efficient way to shop for auto insurance online is to take the time to go to each company website to request a price quote. For example, we’ll assume you want rates from Farmers, Allstate and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in Las Vegas, click here.

The most time-consuming way to get comparison rates is to spend time driving to different agent offices. The internet can eliminate the need for a local agent unless you have a need for the professional advice only provided by licensed agents. You can, however, get prices online and still use a local agent.

It’s up to you which method you use, but ensure you are comparing identical information with every price quote. If each company quotes different limits and deductibles on each one it’s not possible to find the best deal for your Chevy Metro in Las Vegas.

Save money by taking advantage of these seven discounts

Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so we researched both the well known as well as the least known ways to save on auto insurance. If you aren’t receiving every discount available, you are paying more than you should be.

Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Metro coverage with a few auto insurance companies.
Driver Safety – Taking a course in driver safety could save 5% or more if your company offers it.
Multiple Policy Discount – When you have multiple policies with one company you could get a discount of at least 10% off all policies.
Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
Student in College – Kids in college who are attending college and do not have a car can be insured at a reduced rate.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Are insurance agents a thing of the past?

Certain consumers just want to visit with an insurance agent. Good agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, your insurance data is sent to participating agents in Las Vegas who will return price quotes to get your business. You won’t need to visit any agencies because quoted prices will be sent immediately to your email address.

Picking a company needs to be determined by more than just the premium amount. Some important questions to ask are:

Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
What insurance company do they write the most business with?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
How much can you save by raising your physical damage deductibles?
Does the agency support the community they serve?
Do they feel the quoted coverages are adequate?
Can they give you a list of client referrals?

Not all insurance agencies are the same

When looking for a good Las Vegas insurance agent, there are a couple of different agency structures to choose from. Insurance agencies in Las Vegas are classified as either independent or captive. Both insure your vehicles, but it’s worth mentioning how they are different because it can impact the selection process.

Captive Insurance Agents

Captive agencies work for only one company and some examples include American Family, Liberty Mutual and AAA. They generally cannot give you multiple price quotes so they have to upsell other benefits. Captives are trained well on their products and sales techniques which helps them compete with independent agents. Consumers often purchase coverage from captives primarily because of high brand loyalty and solid financial strength.

Independent Insurance Agents

Independent agents do not work for one specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. Las Vegas auto insurance

When searching for an agent, you should always include price quotes from at least one independent agent to have the most options to choose from. Many write coverage with smaller companies which can be an advantage.

Once you have positive feedback and an acceptable price quote, chances are good that you have found a car insurance agent that is a good match to properly service your auto insurance policy. Keep in mind policyholders can cancel your policy at any point so never feel that you’re stuck with a specific agent with no way out.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help you determine if your situation would benefit from professional advice.

What can I do if my company won’t pay a claim?
What are the best liability limits?
Is business equipment covered while in my vehicle?
Do I need PIP coverage since I have good health insurance?
Do all my vehicles need collision coverage?
Does liability extend to a camper or trailer?
I have good health insurance, so how much medical payments coverage do I need?
What is high-risk coverage and where do I buy it?

If you can’t answer these questions but you know they apply to you 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. It only takes a few minutes and may give you better protection.

Additional detailed information can be found at the Nevada Division of Insurance website. Nevada consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and read consumer alerts.

Specific coverages for a Chevy Metro

Having a good grasp of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for EMT expenses, X-ray expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, rock chips in glass, fire damage, hitting a deer and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

This coverage protects you from damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like bail bonds, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible. Nevada requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing higher limits.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Metro.

Since a lot of drivers have only the minimum liability required by law (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This coverage pays for damage to your Metro from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, hitting a parking meter and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

You just read a lot of information how to reduce Chevy Metro insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a lesser-known regional company.

Consumers change insurance companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, an unsatisfactory settlement offer and delays in paying claims. Whatever your reason, finding a great new company can be easier than you think.