How to Slash Your Chevy Prizm Auto Insurance Prices

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you. Consumers have many insurance companies to pick from, and even though it’s nice to be able to choose, it can be more difficult to find the lowest cost provider.

Buying the lowest cost protection can be fairly easy. If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find the best rates and still get good coverage. Nevada drivers just need to know the proper way to find the lowest price online.

Cheap Nevada Auto Insurance Comparisons

Shopping for lower auto insurance rates can be a daunting task if you aren’t aware of the easiest way. You can waste hours talking about coverages with agents in your area, or you can utilize online quoting to maximize your effort.

Many insurance companies participate in an industry program that enables customers to submit their information once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing quote forms to each individual auto insurance company.

To compare rates now click here to open in new window.

The one disadvantage to doing it this way is you cannot specify which providers to get quotes from. If you wish to select specific providers to compare, we put together a list of low cost auto insurance companies in Nevada. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using the exact same quote information for every company. If you enter unequal deductibles or liability limits then you won’t be able to determine the best price for your Chevy Prizm.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some must be specially asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

Memberships – Being a member of a civic or occupational organization could qualify you for a break when shopping for auto insurance on Prizm insurance.
Save with a New Car – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
Payment Method – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Prizm insurance than their less cautious counterparts.
Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
Homeowners Discount – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
Low Mileage Discounts – Fewer annual miles on your Chevy can qualify you for a substantially lower rate.
Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.

It’s important to note that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But any discount will help reduce the cost of coverage.

To choose companies with discount auto insurance rates in Nevada, click here.

Chevy Prizm insurance rates are influenced by…

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get much lower annual insurance costs.

Do you work long hours in a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, business owners and dentists are shown to have the highest average rates in part from stressful work requirements and lots of time spent at work. Other occupations such as actors, historians and performers pay the least on Prizm insurance.
Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
Having a spouse can save you money – Getting married can actually save you money on auto insurance. Having a spouse is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
Do you know you’re credit rating? – Having a bad credit history is a important factor in your rate calculation. If your credit history is not that good, you could potentially save money when insuring your Chevrolet Prizm by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Local Nevada agents and auto insurance

A small number of people just want to get advice from a local agent and there is nothing wrong with that. Insurance agents can answer important questions and help in the event of a claim. The best thing about price shopping on the web is you may find the lowest rates but still work with a licensed agent. Supporting local agencies is important especially in small towns and cities. Auto insurance in Nevada

To make it easy to find an agent, after completing this quick form, the coverage information is submitted to participating agents who will give you bids for your business. You never need to leave your computer because quoted prices will be sent straight to your inbox. How’s that for easy!

What type of Nevada car insurance agent is right for you?

When looking for a local agent, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Nevada can either be independent or captive. Both write coverage properly, but it’s important to know the difference between them since it may influence buying decisions.

Independent Insurance Agents

Independent agencies are not employed by any specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.

When shopping rates, it’s a good idea to include price quotes from multiple independent agents to have the most options to choose from.

Captive Agents

Captive agencies work for only one company and examples are American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are very knowledgeable in insurance sales which helps them compete with independent agents.

For a full directory of auto insurance agents in Nevada, visit this page.

Choosing a car insurance agent shouldn’t rely on just a low price. These questions are important to ask:

If your car is in the repair shop, do you have coverage for a rental car?
Do they have any clout with companies to ensure a fair claim settlement?
Does the agency support the community they serve?
If your car is totalled, how to they determine the replacement cost?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Are they full-time agents?
Will your rates increase after a single accident?
If you are a high risk driver, do they have special markets for your coverage?

Upon receiving positive responses to any questions you have and locked in a price quote, you may have just found an insurance agency that meets your needs to service your policy.

What coverages do I need?

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

I have good health insurance, so how much medical payments coverage do I need?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I have coverage for damage caused while driving under the influence?
Can I pay claims out-of-pocket if I buy high deductibles?
Can I drive in Mexico and have coverage?
Is my nanny covered when driving my vehicle?
What vehicles should carry emergency assistance coverage?
Should I drop comprehensive coverage on older vehicles?
I don’t drive much so do I pay less?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Additional information can be read on the website for the Nevada Division of Insurance. Click here for link. Nevada drivers can file complaints about a company, get help finding coverage, and find out industry alerts.

The following information may also be useful.

Switch companies and save? Really?

Nevada drivers can’t get away from ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. All the ads say the same thing of big savings if you switch to their company.

How do they all say the same thing? It’s all in the numbers.

All companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match this ideal profile will be charged more money which usually ends up with business not being written. The ads say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can state the savings.

That is why you need to compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest rates.

A little work can save a LOT of money

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

The cheapest Chevy Prizm insurance is possible online as well as from independent agents in Nevada, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.