8 Guaranteed Tricks to Reduce Car Insurance Costs in Fallon Nevada

Comparison shopping for Fallon car insurance is always challenging for consumers not familiar with comparison shopping online. People have so many options that it can be a ton of work to locate the lowest price in Fallon.

It’s smart to check car insurance prices periodically since rates change quite often. Even if you think you had the best deal a year ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the easiest way to buy cheaper car insurance.

Low Cost Fallon Car Insurance

There are a lot of ways to shop for car insurance, and some are easier and takes less work. You could spend your day driving to insurance companies in Fallon, or you can utilize the web to maximize your effort.

Many of the larger companies enroll in a system where prospective buyers submit their information once, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quotation requests to each company.

To participate in this free quote system, click here (opens in new window).

The one downside to getting quotes like this is that consumers can’t choose the companies to receive prices from. If you wish to select specific insurance companies to compare, we put together a list of low cost car insurance companies in Nevada. Click here for list of insurance companies in Nevada.

It’s your choice how you get your quotes, but compare the exact same coverages on every quote you get. If you enter different deductibles you can’t possibly decipher which rate is best in Fallon.

Don’t pay full price with these eight discounts

Companies do not list all their discounts in a way that’s easy to find, so we researched both well-publicized and also the lesser-known car insurance savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

• Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.
• Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.
• Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
• Pay Upfront and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
• Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
• Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
• Club Memberships – Being a member of a qualifying organization could trigger savings when shopping for car insurance.

Keep in mind that some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

For a list of insurers offering car insurance discounts in Fallon, click here.

Specific coverages

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, X-ray expenses, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, driving through your garage door, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability car insurance

This coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like emergency aid, medical services, repair costs for stationary objects, structural damage and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying more coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, damage from flooding and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your vehicle.

Due to the fact that many Nevada drivers carry very low liability coverage limits (Nevada limits are 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Affordable insurance is out there

You just read a lot of tips how to get a better price on car insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest rates come from some of the lesser-known companies.

The cheapest car insurance can be sourced online as well as from independent agents in Fallon, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and these regional insurance providers work with independent agents.

Insureds change insurance companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, extreme rates for teen drivers or even policy cancellation. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.

For more information

Additional detailed information can be read at the Nevada Division of Insurance website. Nevada consumers can download brochures, find disaster information, and learn about insurance regulations.