Proven Ways to Save When Insurance Shopping for Your Chevy Silverado 3500 in Las Vegas
Scraping up a payment for overpriced Chevrolet Silverado 3500 insurance can overdraw your checking account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest rate possible.
Smart consumers take time to compare rates yearly since insurance rates are usually higher with each renewal. Even if you think you had the best rates on Silverado insurance two years ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.
Discounts can save BIG
The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be inquired about prior to getting the savings. If you aren’t receiving every discount possible, you are throwing money away.
- Auto/Home Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
- Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
- 55 and Retired – Older drivers can possibly qualify for a discount up to 10% on Silverado insurance.
It’s important to understand that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will cut the amount you have to pay.
To see a list of insurance companies with discount auto insurance rates in Las Vegas, click here.
What about my local Las Vegas agents?
Some people would rather buy from a local agent and there is nothing wrong with that. Good agents can answer important questions and help in the event of a claim. The best thing about getting online price quotes is you can get lower rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Las Vegas.
By using this quick form, your insurance coverage information is transmitted to participating agents in Las Vegas who will give you bids for your insurance coverage. You never need to leave your computer due to the fact that quote results will go directly to your email. Now that’s easy!
How to choose the best insurance agency in Las Vegas
When searching for a good Las Vegas insurance agent, there are two types of insurance agents that you can select. Las Vegas agents are categorized either independent (non-captive) or captive. Both do a good job, but it’s good to learn how they differ because it can influence buying decisions.
Independent Agencies or Brokers
Independent agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.
When comparing rates, you should always include price quotes from multiple independent agents for the best price selection.
Captive Agents
These agents work for only one company and some examples include State Farm, Allstate and AAA. They are unable to place coverage with different providers so they have to upsell other benefits. They are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.
Picking a car insurance agent needs to be determined by more than just the price. These questions are important to ask:
- How long have they worked with personal auto insurance coverage?
- Do they assist clients in filing claims?
- Are there any discounts that you might be missing?
- Does the agency have a good rating with the Better Business Bureau?
- How much will you save each year by using a higher deductible?
- Are they full-time agents?
Upon receiving answers to your satisfaction to any questions you have and a good coverage price, it’s possible that you found an insurance agent that is a good match to properly service your auto insurance policy.
Can switching companies really save?
Nevada drivers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. They all have a common claim that you’ll save big after switching to their company.
How does each company say the same thing? This is how they do it.
Different companies have a certain “appetite” for the right customer that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 30 and 50, is a homeowner, and has a high credit rating. A customer that hits that “sweet spot” will get very good rates and as a result will probably save when they switch companies.
Potential customers who are not a match for these standards must pay higher premiums which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much money. This is how companies can advertise the way they do.
This illustrates why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which auto insurance company will fit your personal profile best.
More information is available on the website for the Nevada Division of Insurance located here. Nevada drivers can discover disciplinary actions, file complaints about a company, read state legal mandates and laws, and download brochures.
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In conclusion
When you buy insurance online, make sure you don’t reduce needed coverages to save money. In too many instances, someone dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.
Low-cost Chevy Silverado 3500 insurance is possible from both online companies and with local Las Vegas insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.
Throughout this article, we presented some good ideas how to lower your Chevy Silverado 3500 insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the most savings is with a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.