8 Discounts Las Vegas Shoppers Neglect when Buying Insurance Online for a Subaru Outback

Las Vegas buyers have lots of choices when searching for the best price on Subaru Outback insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to make rate comparisons. There are both good and bad ways to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Subaru and locate the lowest possible price either online or from Las Vegas insurance agents.

It’s a good habit to compare prices yearly because prices are rarely the same from one policy term to another. Just because you found the best price for Outback coverage two years ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the best ways to lower your rates without sacrificing coverage.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. The purpose of this post is to teach you the best way to quote coverages and some tips to save money. But Nevada drivers must learn the way insurance companies sell online and apply this information to your search.

How to Compare Las Vegas Auto Insurance Costs

There are a lot of ways to shop for auto insurance, but some are more efficient than others. You can waste a few hours (or days) talking to agents in Las Vegas, or you could save time and use the internet to maximize your effort.

The majority of car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company returns a rated price based on the submitted data. This saves time by eliminating quotation requests for every auto insurance company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to pricing coverage this way is you can’t choose which carriers you want pricing from. So if you prefer to choose individual companies to compare, we put together a list of auto insurance companies in Nevada. Click here to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same deductibles and coverage limits for every company. If you compare different values for each quote you will not be able to determine the best price for your Subaru Outback in Las Vegas. Quoting even small variations in limits may cause a big price difference. It’s important to know that comparing a large number of companies gives you a better chance of getting the best offered rates.

Can you really save that much by switching?

Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. All the companies make an identical promise of big savings if you change to their company. How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the right customer that makes them money. An example of a driver they prefer could be over the age of 50, insures multiple vehicles, and chooses high deductibles. A customer who matches those parameters receives the best rates and most likely will save a lot of money.

Drivers who are not a match for this ideal profile must pay a higher premium and ends up with business not being written. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can state the savings. This illustrates why you should get quotes from several different companies. Because you never know the company that will have the lowest rates.

Discounts are available to cut your rates

Auto insurance companies don’t necessarily list all their discounts very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using.

• Auto/Home Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
• Paperless Signup – Some insurance companies will give a small break simply for signing over the internet.
• Homeowners Discount – Being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.
• Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy can get a discount on all vehicles.
• Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
• Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

What if I want to buy from a local Las Vegas agent?

A small number of people just want to get advice from a local agent and there is nothing wrong with that. One of the great benefits of getting online price quotes is you can get better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this quick form, the coverage information is submitted to local insurance agents in Las Vegas who will return price quotes for your business. There is no need to drive around due to the fact that quote results will go straight to your inbox. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.

Choosing an insurance company requires more thought than just the price. Any agent should have no problem answering these questions:

• Which company do they place the most coverage with?
• Can they give you a list of client referrals?
• How are they compensated?
• If you have an accident, will your rates go up?
• Is assistance available after office hours?
• Will their companies depreciate repairs to your car based on the mileage?
• How long has their agency been in business in Las Vegas?

Captive agents vs. Independent agents

When looking for a good insurance agency, you must know there are a couple different types of agents to choose from. Agents are classified as either independent (non-captive) or captive.

Captive Insurance Agents

These agents work for only one company and some examples include State Farm, Allstate and AAA. They generally cannot compare other company’s rates so they have no alternatives for high prices. Captive agencies are very knowledgeable on the products they sell which can be an advantage. Consumers sometimes choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

Independent Insurance Agents

Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When shopping rates, it’s a good idea to contact several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers who may have lower rates.

After getting acceptable answers for all questions you ask and locked in a price quote, you have narrowed it down to an insurance agent that will properly insure your vehicles.

More tips and info about auto insurance is available at the Nevada Division of Insurance website. Nevada drivers can find out industry alerts, file complaints about an insurance agent or broker, and view agent and company licensing information.

The coverage is in the details

Having a good grasp of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for things like pain medications, nursing services and surgery. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

Collision insurance pays for damage to your Outback resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees, attorney fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy more liability than the minimum.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Outback.

Since many Nevada drivers only carry the minimum required liability limits (which is 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.

Best coverage at the best price

As you prepare to switch companies, never reduce needed coverages to save money. In many instances, someone dropped physical damage coverage only to find out that they should have had better coverage. Your goal should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Cost effective Subaru Outback insurance is available on the web and also from your neighborhood Las Vegas agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned some good ideas how you can get a better price on Subaru Outback insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.