Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as most other car owners in Nevada.
There are many insurance companies to purchase coverage from, and although it’s nice to have a choice, so many choices can make it hard to find the lowest rates.
It’s smart to check auto insurance prices every six months because rates change quite often. Even if you got the best rates six months ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to find better rates and still maintain coverage.
Choosing the best insurance company for you in North Las Vegas is not that difficult. Just about every driver who has to buy auto insurance most likely will be able to find better rates. Although Nevada vehicle owners should learn how the larger insurance companies market insurance on the web and use this information to your advantage.
To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. The best method to find competitive insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.
The single most time-saving way to find low rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing boring form submissions to each individual auto insurance company. One form submission will return price quotes from multiple low-cost companies.
A harder way to compare rate quotes consists of visiting each company website and fill out their own quote form. For instance, we’ll assume you want to compare USAA, Safeco and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.
For a handy list of car insurance company links in North Las Vegas, click here.
The most time-consuming way to get comparison rates is to spend your day driving to different agent offices. The internet makes this process obsolete unless you require the professional advice of a local agent. Drivers can obtain prices from the web and still use a local agent and we’ll cover that in a bit.
However you get your quotes, ensure you’re using apples-to-apples coverages for every quote you compare. If you use higher or lower deductibles it’s impossible to determine the best price in North Las Vegas. Slightly different limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices will improve the odds of getting a lower rate.
Auto insurance providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all make an identical promise that you can save after switching to their company. How does each company claim to save you money?
Different companies are able to cherry pick for the type of customer that is profitable for them. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and has excellent credit. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Drivers who don’t qualify for the requirements will be charged more money and ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save money. That’s the way insurance companies can make the claims of big savings. That is why drivers should get as many comparisons as possible. It is impossible to predict which company will have the lowest rates.
Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get big savings.
Companies do not list every discount very clearly, so we took the time to find both well-publicized and the more hidden auto insurance savings.
Keep in mind that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.
For a list of insurers offering auto insurance discounts in Nevada, follow this link.
Some consumers would rather sit down with an agent and there is nothing wrong with that. The best thing about comparing rates online is you may find the lowest rates and still choose a local agent.
By using this quick form, your insurance coverage information gets sent to insurance agents in North Las Vegas who will give you bids to get your business. You never need to visit any agencies because quoted prices will be sent directly to your email. How cool is that?! It’s the lowest rates and a licensed agent to work with.
Selecting an insurance company should depend on more than just the premium amount. Ask your prospective agent these questions:
Shown below is a short list of insurers in North Las Vegas that are able to give comparison quotes.
Argonaut Insurance – , North Las Vegas, NV 89032 – (702) 638-2935
Allstate Insurance – 5515 Camino AL Norte # 106, North Las Vegas, NV 89031 – (702) 649-6933
Professional Insurance Plan – 910 Hollowbluff Ave, North Las Vegas, NV 89031 – (702) 878-4041
State Farm Insurance – 1631 W Craig Rd # 3c, North Las Vegas, NV 89032 – (702) 649-9200
Farmers Insurance Group – 3925 N Martin L King Blvd #116, North Las Vegas, NV 89032 – (702) 647-3507
Agency Insurance Resolutions – 3100 E Lake Mead Blvd, North Las Vegas, NV 89030 – (702) 649-5505
Upon getting acceptable answers for all questions you ask and a good coverage price, you have narrowed it down to an insurance company that meets your needs to insure your vehicles.
Discount auto insurance can be purchased both online and with local North Las Vegas insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
We just covered a lot of techniques to lower your auto insurance rates. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a smaller regional carrier. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.
While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate.
Even more information can be found at the Nevada Division of Insurance website. Nevada drivers can learn about specific coverages, download brochures, and file complaints about a company.
Additional helpful sites include this page for Nevada auto insurance and this link where you can get more info about North Las Vegas auto insurance.