How to Get the Lowest Rates When Insuring a Mazda 3 in Nevada

Nevada drivers have many options when trying to find the lowest priced Mazda 3 insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to shop for auto insurance and you need to know the best way to compare rates for a Mazda and obtain the best price possible either online or from Nevada insurance agents.

Comparison of Auto Insurance in Nevada

Finding lower auto insurance rates is not rocket science. The only thing you need to do is spend a few minutes on the computer comparing rates online from several insurance companies. This can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to find low rates is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do separate quote forms for each company. One form gets you coverage quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
A more time consuming way to shop for auto insurance online is spending the time to visit each company’s website to request a price quote. For instance, let’s say you want to compare Liberty Mutual, State Farm and American Family. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, ensure you are comparing the exact same coverages and limits on every quote. If you have mixed coverages you will not be able to make an equal comparison.

Verify you’re getting all your discounts

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked about before being credited. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

Paperless Signup – Some insurance companies will give a small break just for signing your application digitally online.
Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if your company offers it.
Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
Military Discounts – Being on active duty in the military can result in better rates.
Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.

Drivers should understand that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free auto insurance policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies with the best auto insurance discounts in Nevada, follow this link.

Why your Mazda 3 might be costing you more

An important part of buying insurance is that you know the factors that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into rates. Car insurance in Nevada

Special features that cut premiums – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Protect your assets with liability insurance – The liability section of your policy is the coverage that protects you if ever you are found liable for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
Males pay more for insurance – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Men and women cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
Your credit rating is important – Credit score is a big factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit ratings. If your credit score is low, you could potentially save money when insuring your Mazda 3 by spending a little time repairing your credit.
Adjust deductibles and save – Your deductibles define the amount you are willing to pay in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and burglary. The more money you are required to pay out-of-pocket, the bigger discount you will receive for 3 insurance.

When should I talk to an agent?

When buying the best auto insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if you would benefit from an agent’s advice.

Is Nevada a no-fault state?
Can I afford to pay high deductible claims out of pocket?
Does having multiple vehicles earn me a discount?
What happens if I owe more than my Mazda 3 is worth?
Do I get a pro-rated refund if I cancel my policy early?
Does my insurance cover damage caused when ticketed for reckless driving?
Why am I required to buy high-risk coverage?
Is borrowed equipment or tools covered if stolen or damaged?
What discounts do I qualify for?
Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Additional information is available on the Nevada Division of Insurance website. Click here for link. Visitors are able to read industry bulletins, download brochures, and find disaster information.

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Don’t believe everything you hear

Consumers in Nevada get pounded daily by advertisements that promise big savings from companies such as State Farm, Allstate and GEICO. All the companies have a common claim about savings if you move your policy.

How do they all claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t qualify for this ideal profile will have to pay more money and this can result in business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

Because of the profiling, drivers must compare many company’s rates. It is impossible to predict the company that will have the lowest rates.

The best insurance company isn’t always the cheapest

Consumers leave their current company for a number of reasons such as lack of trust in their agent, not issuing a premium refund, being labeled a high risk driver or delays in paying claims. Whatever your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Affordable Mazda 3 insurance is definitely available online as well as from independent agents in Nevada, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

While you’re price shopping online, do not buy poor coverage just to save money. In too many instances, an insured cut uninsured motorist or liability limits only to discover later that it was a big mistake. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.