Top 10 Ways to Pay Less on Pontiac Wave Insurance in Las Vegas

Locating cheaper insurance for a Pontiac Wave in Nevada could be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to shop for auto insurance so you’re going to learn the best way to quote coverages for a Pontiac and obtain the best price possible from both online companies and Las Vegas agents.

Choosing the best insurance company for you in Las Vegas is not that difficult. If you have a policy now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Nevada drivers just need to know the best way to shop online.

Drivers can save with these ten money-saving discounts

Companies that sell car insurance don’t list the entire discount list very well, so we researched some of the best known and the more hidden ways to save on auto insurance. If they aren’t giving you every credit available, you could be getting lower rates.

Auto/Home Discount – If you can bundle your homeowners and auto insurance with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Telematics Data Discounts – Insureds that choose to allow their company to scrutinize driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount for every vehicle.
Clubs and Organizations – Affiliation with qualifying employment or professional organizations could qualify you for a break on your next auto insurance statement.
Early Renewal Discounts – A few auto insurance companies offer discounts for switching companies prior to your current policy expiration. It’s a savings of about 10%.
Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies permit an accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get discounted auto insurancerates on garaged vehicles.

You can save money using discounts, but some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A list of auto insurance companies and a summarized list of policyholder discounts can be read below.

Progressive may have discounts that include online signing, homeowner, continuous coverage, online quote discount, multi-vehicle, and good student.
MetLife has discounts for multi-policy, good driver, good student, claim-free, accident-free, defensive driver
Mercury Insurance may offer discounts for location of vehicle, multi-policy, type of vehicle, good student, low natural disaster claims, age of vehicle, and accident-free.
Nationwide offers discounts for Farm Bureau membership, family plan, anti-theft, multi-policy, accident-free, and good student.
GEICO offers discounts including federal employee, anti-theft, defensive driver, good student, driver training, military active duty, and multi-vehicle.
AAA includes discounts for pay-in-full, anti-theft, AAA membership discount, education and occupation, good driver, multi-car, and good student.

If you need lower rates, check with every insurance company to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders in your state. To see a list of providers that offer many of these discounts in Nevada, follow this link.

Insurance advertising tricks

Nevada consumers can’t escape the ads that promise big savings from companies such as Allstate and Progressive. They all seem to tend to make the same promise that you’ll save big just by moving to their company.

How is it possible that every company can save you money? Here is how they do it.

Different companies quote their cheapest rates for a prospective insured that is profitable for them. One example of a desirable risk may be over the age of 40, owns their home, and drives less than 10,000 miles a year. Anyone who fits those characteristics receive the lowest rate quotes as well as cut their rates if they switch.

Drivers who don’t qualify for those standards will probably have to pay higher rates and this results in the customer buying from someone else. If you pay attention, the ads say “people that switch” not “everyone that quotes” save that much when switching. This is how companies can truthfully make the claims of big savings. Because of the profiling, drivers should compare many company’s prices. It’s just too difficult to predict which company will have the lowest rate quotes. free Las Vegas insurance quote

Car insurance coverage information

Having a good grasp of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things like medical services, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but drivers should carry more coverage.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hail damage, rock chips in glass and damage from getting keyed. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, funeral costs, dental work and pain medications. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

More tips and info about auto insurance can be found at the Nevada Division of Insurance website. Nevada drivers can read state legal mandates and laws, report car insurance fraud, and read industry bulletins.

Final considerations

Lower-priced Pontiac Wave insurance can be bought both online and from local agencies, and you should compare rates from both so you have a total pricing picture. Some companies don’t offer rates over the internet and most of the time these smaller companies sell through independent agents.

Insureds leave their current company for a variety of reasons including policy cancellation, poor customer service, questionable increases in premium or even high prices. It doesn’t matter why you want to switch finding the right auto insurance provider is easier than you think.

We’ve covered some good ideas how you can shop for Pontiac Wave insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising.