Professional Tricks to Lower Fernley Car Insurance
Paying for high-priced car insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparing price quotes is a smart way to cut your insurance bill.
Many insurers vie for your insurance dollar, so it can be very hard to choose a company to get the lowest cost out there.
Be sure to get all your discounts
Auto insurance companies don’t always advertise every available discount very well, so we break down some of the best known and the harder-to-find discounts you could be receiving.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
- Safe Driver Discount – Safe drivers can pay as much as 50% less than drivers with accidents.
- College Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
- Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
To see a list of insurance companies with discount car insurance rates in Nevada, follow this link.
Even more information is available at the Nevada Division of Insurance website. Nevada consumers can view a list of available companies, discover disciplinary actions, read consumer alerts, and learn about specific coverages.
Other informative sites include this page for car insurance prices in Nevada and this page for help finding agents in Fernley, NV.
A little work can save a LOT of money
As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Cost effective car insurance can be found from both online companies in addition to many Fernley insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.