9 Top Tips to Lower Chevy Lumina APV Insurance Costs in Las Vegas

Overpriced auto insurance can take a big chunk out of your checking account and possibly require postponing other expenditures. Doing a price comparison can be a smart way to make sure you’re not throwing money away.

Because you have many different company options, it can be challenging to pick the lowest price company.

Finding the best rates in Las Vegas is quite easy. If you have car insurance now, you should be able to save some money using these tips. Nevada drivers just need to know the proper way to compare company rates on the web.

Auto insurance policy discounts

Companies that sell car insurance do not advertise the entire discount list in an easy-to-find place, so we took the time to find a few of the more well known and also the more inconspicuous discounts you could be receiving when you . If you don’t get every credit possible, you could be saving more on your auto insurance.

Discounts for New Vehicles – Insuring a new car may earn a small discount because newer models are generally safer.
Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts of up to 25% or more.
Active Military Service – Having a family member in the military could mean lower auto insurance rates.
Homeowners Savings – Simply owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
Driver’s Ed – Teen drivers should participate in a local driver’s education class if it’s offered in school.
Membership in Organizations – Being a member of certain professional organizations is a simple method to lower premiums when shopping for auto insurance.
Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less for Lumina APV coverage than drivers with accidents.
Telematics Devices – Drivers that enable their auto insurance company to analyze vehicle usage through the use of a telematics system such as Progressive’s Snapshot may see discounts if their driving habits are good.
Defensive Driver – Completing a class that teaches driver safety techniques is a good idea and can lower rates and easily recoup the cost of the course.

It’s important to note that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of auto insurance companies and their offered discounts can be read below.

State Farm may offer discounts for Steer Clear safe driver discount, multiple autos, student away at school, passive restraint, safe vehicle, defensive driving training, and good student.
American Family policyholders can earn discounts including accident-free, good student, Steer into Savings, multi-vehicle, air bags, early bird, and good driver.
AAA offers discounts for multi-car, education and occupation, pay-in-full, AAA membership discount, good driver, good student, and multi-policy.
GEICO may include discounts for daytime running lights, anti-lock brakes, membership and employees, multi-policy, and anti-theft.
Mercury Insurance has discounts for accident-free, professional/association, ease of repair, type of vehicle, and low natural disaster claims.
Farmers Insurance includes discounts for distant student, good student, homeowner, multi-car, and bundle discounts.
Progressive discounts include good student, continuous coverage, multi-policy, online signing, multi-vehicle, homeowner, and online quote discount.

It’s a good idea to ask every insurance company which discounts you qualify for. Discounts may not apply to policyholders in Las Vegas. To see a list of auto insurance companies with the best auto insurance discounts in Las Vegas, follow this link.

Car insurance agents can help

A lot of people just want to buy from a licensed agent and that is a personal choice. Most agents are very good at helping people manage risk and will help you if you have claims. One of the great benefits of getting free rate quotes online is the fact that you can find the lowest rates and still have an agent to talk to.

After filling out this short form, your coverage information is sent to local insurance agents in Las Vegas that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to even leave your home since price quotes are sent straight to your inbox. If you have a need to quote rates from one company in particular, just find their quoting web page and fill out their quote form.

Choosing an insurance company needs to be determined by more than just the price. The answers to these questions are important, too.

Which members of your family are coverage by the policy?
Will you get a loaner vehicle if you car is being repaired?
Do they have 24-hour customer assistance?
Do they get paid more for recommending certain coverages?
What are their preferred companies if they are an independent agency?
Does the company have a local claim office in Las Vegas?
Are aftermarket or OEM parts used to repair vehicles?

Auto insurance agents in Las Vegas come in two varieties

If you want to buy auto insurance from a good Las Vegas insurance agent, it’s helpful to know the different types of agents that you can choose from. Insurance agencies in Las Vegas are considered either captive or independent. Both insure your vehicles, but it is a good idea to know the difference in the companies they write for since it may influence which agent you choose.

Captive Auto Insurance Agents

Captive agencies can usually just insure with one company and examples are State Farm, Allstate, or Farmers Insurance. Captive agents are unable to compare rates from other companies so they really need to provide good service. Captive agencies receive a lot of sales training on their company’s products and that can be a competitive advantage.

Independent Agents

Agents in the independent channel do not have single company limitations and that gives them the ability to insure with a variety of different insurance companies depending on which coverage is best. If they quote lower rates, the business is moved internally and you won’t have to switch agencies.

If you are trying to find cheaper rates, we recommend you include rate quotes from at least one independent agent to have the most options to choose from.

Buyer beware of auto insurance advertising tricks

Consumers in Nevada get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate and Progressive. All the companies advertise the message that you can save if you switch your coverage.

How can each company sell you cheaper insurance coverage? It’s all in the words they use. Auto insurance in Las Vegas

Companies have an ideal profile for a prospective insured that will not have excessive claims. One example of a profitable insured might be a married male, has a clear driving record, and drives newer vehicles. Any new insured who meets those qualifications gets the lowest prices and most likely will save when switching.

Insureds who are not a match for the “perfect” profile will probably have to pay a higher premium which results in the customer not buying. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” save that much. That’s the way companies can lure you into getting a quote. Because each company has a different risk profile, it’s extremely important to compare price quotes frequently. Because without a comparison, you cannot know which company will have the best rates.

What auto insurance coverages do you need?

Learning about specific coverages of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverages

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

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed, hail damage and fire damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, pain and suffering and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much 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.

Uninsured and underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Lumina APV.

Since many Nevada drivers have only the minimum liability required by law (which is 15/30/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision insurance

Collision insurance covers damage to your Lumina APV resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, funeral costs, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Even more information is located at the Nevada Division of Insurance website. Nevada drivers can view agent and company licensing information, read consumer alerts, and file complaints about an insurance agent or broker.

More related Las Vegas auto insurance information:

Keep this in mind

We just covered many ways to lower your Chevy Lumina APV insurance prices. The key thing to remember is the more quotes you get, the better chance you’ll have of finding . You may even find the best price on auto insurance is with an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

Lower-priced Chevy Lumina APV insurance is possible both online and with local Las Vegas insurance agents, so get from both of them in order to have the best chance of saving money. There are still a few companies who do not provide rate quotes online and usually these small insurance companies only sell coverage through independent agencies.