8 Tips Shown to Save Money on Rolls Royce Silver Spirit Auto Insurance Rates in Las Vegas, NV

Have you had enough of scraping the payment together to pay your car insurance bill each month? You are in the same boat as most other car owners in Nevada.

Numerous insurers battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to get the best rates possible.

It’s important to compare rates yearly because insurance rates are rarely the same from one policy term to another. Just because you had the best price on Silver Spirit insurance last year you can probably find a better price now. There is a lot of wrong information about auto insurance on the web, but I’m going to show you some tested techniques to slash your auto insurance rates.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but some must be specially asked for before they will apply.

Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Silver Spirit insurance than drivers with accident claims.
Good Students Pay Less – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
Defensive Driver – Completing a defensive driving course could cut 5% off your bill if your company offers it.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut the cost of coverage.

To see a list of companies offering auto insurance discounts in Las Vegas, click here.

Local Las Vegas agents and auto insurance

Certain consumers just want to talk to a local agent. One of the best bonuses of comparing rates online is that you can obtain lower rates but also keep your business local. Supporting local insurance agencies is important particularly in Las Vegas.

To help locate an agent, after submitting this form (opens in new window), your coverage information is sent to participating agents in Las Vegas who will compete to get your business. There is no need to leave your house because quoted prices will be sent directly to your email. Now that’s easy! Get lower rates without the usual hassles of price shopping.

Las Vegas auto insurance agents are either independent or captive

When looking for a local agent, you must know there are a couple different types of agents from which to choose. Agencies in Las Vegas can either be independent or captive.

Independent Agents

Independent agencies are not locked into one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When shopping rates, it’s a good idea to contact multiple independent agents to ensure the widest selection of prices.

Agency Captives

This type of agents have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so keep that in mind. These agents are trained well in insurance sales which can be an advantage. Las Vegas insurance prices

Picking an insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:

What is the agency’s Better Business Bureau rating?
How long has their agency been open in Las Vegas?
Is vehicle mileage a factor when determining depreciation for repairs?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Upon receiving positive feedback for all questions you ask and an affordable coverage quote, most likely you have located an auto insurance agent that meets your needs to service your policy.

Educate yourself about auto insurance coverages

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability 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. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, court costs and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, vandalism, a broken windshield and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your Silver Spirit resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, scraping a guard rail, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, chiropractic care and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

More information can be read on the website for the Nevada Division of Insurance found here. Consumers can report car insurance fraud, learn about specific coverages, and find out industry alerts.

The following information may also be useful.

Cheaper insurance is a realistic goal

You just learned many tips how you can lower your Rolls Royce Silver Spirit insurance rates. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Cheap Rolls Royce Silver Spirit insurance is possible on the web as well as from independent agents in Las Vegas, so you should compare both to have the best rate selection. Some auto insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.