Ford Focus Insurance in Nevada – 7 Discounts Consumers are Losing Out On
Nevada buyers have a choice when searching for the lowest priced Ford Focus insurance. They can either waste time contacting agents to compare prices or use the internet to compare rates. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to get price quotes on a Ford and find the best price possible.
Cut your auto insurance rates with these seven discounts
Auto insurance companies do not advertise every available discount very clearly, so we break down both the well known and the harder-to-find auto insurance savings. If you’re not getting every credit you deserve, you are paying more than you should be.
- Claim Free – Drivers with accident-free driving histories pay much less as compared to bad drivers.
- Club Memberships – Participating in certain professional organizations is a good way to get lower rates on your policy on Focus coverage.
- Bundle and Save – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
- Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
- Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, you’re out of luck.
To see a list of insurance companies with discount auto insurance rates in Nevada, follow this link.
Nevada Auto Insurance Prices Online
Most companies allow you to get insurance quotes online. Obtaining pricing doesn’t take much effort as you just type in into a form. When complete, the system pulls credit information and your driving record and returns a price quote based on many factors.
Online price quotes makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step if you want to find the lowest possible prices on auto insurance.
The preferred way to compare rates uses one simple form to return rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes price shopping online a little more enjoyable. As soon as you send your information, it is rated and you can choose any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and may save quite a bit of money.
If you want to compare pricing, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles identical to your current policy. This guarantees you will get an apples-to-apples comparison based on identical coverages.
Do you really save 40% when you switch?
Consumers in Nevada get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies make the same claim about savings if you move to them.
But how can every company claim to save you money? This is how they do it.
All companies are able to cherry pick for the driver that makes them money. For example, a desirable insured might be over the age of 50, is a homeowner, and chooses high deductibles. A driver who matches those parameters will get the preferred rates and most likely will save when they switch companies.
Drivers who don’t measure up to the “perfect” profile will have to pay more money which usually ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the way they do. Because of the profiling, you need to get quotes from several different companies. You cannot predict which auto insurance company will fit your personal profile best.
Coverage specifics
Knowing the specifics of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.
Comprehensive (Other than Collision)
This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, rock chips in glass, damage from flooding and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage
This will pay to fix damage to your Focus from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like dental work, pain medications and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Focus.
Since many Nevada drivers only carry the minimum required liability limits (Nevada limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Liability coverages
This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things such as medical services, structural damage, funeral expenses, bail bonds and legal defense fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford. Nevada requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing more liability than the minimum.
One last thing about your coverage
When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your strategy should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
You just read some good ideas how to compare Ford Focus insurance prices online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the lowest rates come from an unexpected company.
Drivers change insurance companies for any number of reasons including not issuing a premium refund, policy cancellation, being labeled a high risk driver and even delays in paying claims. Whatever your reason, finding the right auto insurance provider can be less work than you think.
Additional consumer information websites
More tips and info about auto insurance can be read at the Nevada Division of Insurance website. Nevada consumers can file complaints about an insurance agent or broker, learn about insurance regulations, read state legal mandates and laws, and find out which companies have the most complaints.
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