Tested Techniques for Low Pontiac Firebird Insurance

Have you had enough of paying out the nose to pay your car insurance bill each month? You are in the same boat as the majority of other car owners in Nevada. You have so many auto insurance companies to pick from, and although it’s a good thing to have a choice, it makes it harder to find a good deal.

It is always a good idea to take a look at other company’s rates before your policy renews because prices go up and down regularly. Just because you had the best rates for Firebird coverage a few years ago a different company probably has better rates today. So forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the quickest way to save on auto insurance.

Finding Auto Insurance in Nevada

Performing a rate comparison can take time and effort if you aren’t aware of the most efficient way. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to quickly compare rates.

All the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company then returns a price quote. This system prevents you from having to do quotation requests for every auto insurance company.

To compare rates now click here to start a free quote.

The only drawback to getting quotes like this is you don’t know exactly which providers you will receive quotes from. So if you want to select individual companies to compare, we have assembled a list of companies who write auto insurance in Nevada. View list of Nevada insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage limits and deductibles for every company. If you compare different deductibles you will not be able to make an equal comparison.

Save money by taking advantage of these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but some must be asked for prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Drive Less and Save – Keeping the miles down on your Pontiac could qualify for lower rates on the low mileage vehicles.
Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.
Accident Free – Claim-free drivers pay much less when compared to drivers who are more careless.
Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.

It’s important to note that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

To choose providers offering auto insurance discounts in Nevada, click here. Nevada insurance banner

What about using a local agent?

Certain consumers prefer to sit down with an agent and that is OK! Good agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent. And supporting local agencies is important especially in small towns and cities.

After filling out this form (opens in new window), the quote information is emailed to local insurance agents who will compete to get your business. You don’t have to visit any agencies because quoted prices will be sent immediately to your email address. How cool is that?!

Choose an insurance agent wisely

If you’re trying to find a good insurance agency, you need to know there are two different agency structures that differ in how they can insure your vehicles. Nevada agents are categorized either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s worth mentioning the difference between them since it can impact your selection of an agent.

Independent Agents (or Brokers)

Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, we recommend you get quotes from several independent insurance agents to get the best comparison.

Captive Insurance Agents

These agents are contracted to one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so keep that in mind. These agents are well schooled on their products and sales techniques which helps them compete with independent agents.

To view a complete directory of auto insurance agents in Nevada, click here.

Selecting an insurance agent requires more thought than just the premium amount. Agents should be asked these questions:

How much can you save by raising your physical damage deductibles?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Is assistance available after office hours?
How many years of experience in personal lines insurance coverages do they have?
Is vehicle mileage a factor when determining depreciation for repairs?
Which insurance companies are they affiliated with?
Is the agent and/or agency licensed to do business in Nevada?
Do they make recommendations based only on price?

Once you have positive responses to all your questions in addition to an acceptable price estimate, most likely you have located a car insurance agent that meets your needs to properly service your auto insurance policy.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining if you will benefit from professional help.

Should I file a claim if it’s only slightly more than my deductible?
Do I need higher deductibles?
Are split liability limits better than a combined single limit?
Do I need PIP coverage since I have good health insurance?
Do I have coverage when pulling a U-Haul trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
How can I get high-risk coverage after a DUI?
Does having multiple vehicles earn me a discount?

If it’s difficult to answer those 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, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Much more information about auto insurance in Nevada can be read on the website for the Nevada Division of Insurance. Click here for link. Nevada drivers can read industry bulletins, file complaints about an insurance agent or broker, and report car insurance fraud.

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In conclusion

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Budget-conscious Pontiac Firebird insurance can be found both online and also from your neighborhood Nevada agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.