Quick Tutorial for Purchasing Insurance for a Rolls Royce Ghost in Las Vegas
Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me, there are many Las Vegas consumers feeling the pinch from expensive car insurance. Since consumers have many insurance providers from which to choose, it can be diffult for consumers to choose the most cost effective provider.
Compare the Market for Car Insurance in Las Vegas, NV
Shopping for lower car insurance rates can take time and effort if you don’t understand the most efficient way to do it. You can waste a few hours (or days) talking about coverages with agents in Las Vegas, or you could save time and use online quoting to get rates in a matter of minutes.
Many popular insurance companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company can provide price quotes based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for.
To get comparison pricing now click here to open in new window.
The only downside to doing it this way is you don’t know exactly the insurers you want to price. So if you want to select specific providers to compare, we put together a list of the cheapest car insurance companies in Nevada. Click here for list of insurance companies in Nevada.
It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverages and limits for every quote you compare. If you have different values for each quote it will be very difficult to determine which rate is truly the best in Las Vegas.
Verify you’re getting all your discounts
Car insurance companies don’t necessarily list every discount very clearly, so we researched both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.
- Resident Student – Kids in college who live away from home without a vehicle on campus can be insured at a reduced rate.
- Save over 55 – Mature drivers may qualify for a discount up to 10% on Ghost insurance.
- Passive Restraints – Vehicles with factory air bags can get savings up to 30%.
- No Charge for an Accident – Some insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Accident Free – Drivers who don’t have accidents can earn big discounts compared to bad drivers.
- Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Ghost insurance with a few car insurance companies.
It’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.
Will just any policy work for me?
When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.
- How much underlying liability do I need for an umbrella policy?
- Am I covered by my spouse’s policy after a separation?
- Do I need higher deductibles?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Why is insurance for a teen driver so high in Las Vegas?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
For more reading
More detailed Nevada car insurance information is available at the Nevada Division of Insurance website. Nevada consumers can read state legal mandates and laws, view agent and company licensing information, find out industry alerts, and get help finding coverage.
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