Top 5 Methods to Save on Nissan NV1500 Insurance in Nevada

Nevada consumers have options when looking for the lowest priced Nissan NV1500 insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to get price quotes for your Nissan and get the lowest possible price.

Smart consumers take time to compare prices on a regular basis due to the fact that insurance rates are usually higher with each renewal. Just because you found the best rates on NV1500 insurance a year ago you can probably find a lower rate today. You can find a lot of wrong information about car insurance on the web, but I’m going to show you the easiest ways to find affordable car insurance.

If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay and possibly find even better coverage. This article will instruct you on how to effectively get price quotes and some tricks to saving. Nevada drivers only need an understanding of how to shop their coverage around online.

Which Car Insurance is Cheapest in Nevada?

Getting better car insurance pricing can be quick and easy. The only thing you need to do is spend a few minutes on the computer to compare quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The easiest and least time consuming way to find low rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing multiple quote forms for each company you want a rate for. One quote request compares rates from several companies. This is perfect if you don’t have a lot of time.
A less efficient way to analyze rates consists of visiting each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare Nationwide, State Farm and GMAC. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method.
For a list of links to insurance companies in your area, click here.
The most time-consuming way to get comparison rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance that only a license agent can provide. You can, however, price shop online and still use a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make sure you use exactly the same coverages for every quote you compare. If you have different limits and deductibles on each one it’s not possible to determine the lowest rate for your Nissan NV1500.

Save money by taking advantage of these 5 discounts

Auto insurance companies do not list every available discount very well, so here is a list some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit you qualify for, you’re just leaving money on the table.

Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
Federal Employees – Being employed by or retired from a federal job can save as much as 8% on NV1500 insurance with select insurance companies.
Accident Waiver – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Discount for New Cars – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of companies with discount car insurance rates in Nevada, click this link.

Online quotes with a local Nevada insurance agent

Some people would prefer to buy from a licensed agent. Insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about getting online price quotes is you may find the lowest rates and still have an agent to talk to.

Once you complete this form (opens in new window), the quote information is emailed to local insurance agents who will return price quotes for your business. You never need to drive around as quotes are delivered to the email address you provide. How’s that for easy!

Deciding on a company shouldn’t rely on just a low price. Any agent should have no problem answering these questions:

Does the agency provide any after hours assistance?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Is the agent and/or agency licensed to do business in Nevada?
How long has their agency been open?
What will you get paid if your car is a total loss? How is that amount determined?
If you have an accident, will your rates go up?
How long have they worked with personal auto insurance coverage?
Are they able to influence company decisions when a claim is filed?

The difference between Nevada insurance agencies

When finding a local agent, there are a couple of types of agencies to choose from. Agencies in Nevada can either be captive or independent (non-captive). Both properly insure your vehicles, but it’s important to know how they are different since it may influence buying decisions.

Agency Captives

These agents write business for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. Captives receive extensive training in insurance sales which helps them compete with independent agents. Consumers frequently buy from captive agents mainly due to the brand legacy and solid financial strength.

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to include price quotes from multiple independent agents to get the best comparison.Most can insure with smaller regional carriers which can be an advantage. free Nevada insurance quote

For a full directory of agents in Nevada, visit this page.

Once you have positive feedback and an affordable coverage quote, chances are good that you have found an auto insurance agent that will properly insure your vehicles.

Specifics of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability insurance

This can cover damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying more liability than the minimum.

Collision insurance

This coverage pays for damage to your NV1500 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, funeral costs and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, rock chips in glass and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many Nevada drivers carry very low liability coverage limits (Nevada limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Quote more, save more

We’ve covered a lot of ways to compare Nissan NV1500 insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company.

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, delays in responding to claim requests and poor customer service. Regardless of your reason for switching companies, switching companies can be less work than you think.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Additional consumer information websites

Even more information is available at the Nevada Division of Insurance website. Consumers can learn about specific coverages, find out industry alerts, and report car insurance fraud.

The following information may also be useful.