Quick Tutorial for Purchasing Insurance for a Buick Electra in Nevada

Nevada consumers have options when looking for the lowest priced Buick Electra insurance. You can either waste hours driving around to compare prices or leverage the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the absolute fastest way to compare rates for a Buick and get the cheapest rates.

Cut your premium with discounts

Auto insurance companies don’t list every available discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known auto insurance savings.

Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Electra coverage with select insurance companies.
Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
No Accidents – Claim-free drivers pay much less when compared with bad drivers.
Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
One Accident Forgiven – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
Sign Early and Save – Some insurance companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
Bundle and Save – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.

Drivers should understand that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurance companies with the best auto insurance discounts in Nevada, click here.

Elements that influence Buick Electra rates

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting your rates.

High deductibles save money – Physical damage insurance, also known as collision and other-than-collision, protects your Buick from damage. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the lower your rates will be for Electra coverage.
Little extras can really add up – There are quite a few extra bells and whistles you can purchase if you aren’t careful. Coverages for personal injury protection, better glass coverage and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
Liability insurance protects assets – Your policy’s liability coverage provides coverage in the event that a jury decides you are liable for damages caused by your negligence. It provides for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
Women pay lower rates – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates than bad drivers. Even one citation can increase rates by twenty percent. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

When might I need help?

When it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

Does medical payments coverage apply to all occupants?
Where can I get insurance after a DUI in Nevada?
Does my insurance cover my expensive audio equipment?
Do I really need UM/UIM coverage?
Should I put collision coverage on all my vehicles?
Do I have coverage when making deliveries for my home business?
Do I have coverage when using my vehicle for my home business?
Do no-fault laws apply in Nevada?
I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

But don’t I need an insurance agent?

Some people would prefer to get advice from a local agent and that is a personal choice. The best thing about comparing rates online is that you can obtain the lowest rates but still work with a licensed agent.

Upon completion of this simple form, your information is submitted to local insurance agents who will return price quotes for your business. There is no reason to leave your house because quoted prices will be sent to the email address you provide. How cool is that?! You’ll get the best rates and a licensed agent to work with.

Choosing an provider needs to be determined by more than just the price. These questions are important to ask:

Did they already check your driving record and credit reports?
Which company do they place the most coverage with?
Are there any hidden costs in their price quote and does it include driving and credit history?
Are they able to influence company decisions when a claim is filed?
Who is covered by the car insurance policy?
Does the company allow you to choose your own collision repair facility?
Are you getting all the discounts the company offers?
Which insurance companies are they affiliated with?

The type of insurance agency you choose is important

When looking for a reliable agent, you must know there are a couple different agency structures that you can select. Insurance agencies in Nevada are categorized either independent or captive.

Captive Insurance Agents

This type of agents have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. Captives cannot give you multiple price quotes so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Some consumers prefer to buy from captive agents partially due to high brand loyalty and strong financial ratings.

Independent Agencies or Brokers

Independent agents are not locked into one company so they can insure your vehicles with lots of companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.

When shopping rates, you should always include at a minimum one independent agency to ensure the widest selection of prices. Most have the option of insuring with smaller companies which can be an advantage.

For a complete listing of agencies in Nevada, click here.

Upon getting positive responses for all questions you ask and an affordable coverage quote, you’ve probably found an auto insurance agent that meets your needs to insure your vehicles.

Can you really save that much by switching?

Auto insurance companies such as Progressive, Allstate and GEICO continually stream ads on TV and radio. They all seem to make the same claim about savings after switching to them. How does each company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the type of driver they prefer to insure. For example, a preferred risk could possibly be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. A driver who matches those parameters receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who are not a match for this ideal profile will be charged higher rates which leads to the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much. That is how companies can advertise the savings. That is why drivers must get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Learn more today

More tips and info about auto insurance can be found at the Nevada Division of Insurance website. Nevada drivers can read enforcement actions against agents and companies, download brochures, and read industry bulletins.

The articles below may also help you learn more about auto insurance in Nevada

Shop smart and save

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage for the lowest price.

You just learned some good ideas how you can save on Buick Electra insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, lack of trust in their agent, policy non-renewal and high rates after DUI convictions. Regardless of your reason, finding a new company can be easier than you think.