Ultimate Tricks for Cheap Dodge Ram 1500 Mega Cab Pickup Insurance in Nevada
Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me when I say many Nevada consumers feel financially strained by their auto insurance policy.
Many insurance companies vie to insure your vehicles, so it’s not easy to compare every company and get the best coverage at the best rates possible.
You should make it a habit to take a look at other company’s rates at least once a year because insurance rates change regularly. Just because you found the best price for Ram Mega Cab pickup coverage a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.
If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Finding affordable coverage is quite easy. Nevertheless, Nevada car owners do need to know how the larger insurance companies sell insurance online and take advantage of how the system works.
Auto Insurance Comparison Rates in Nevada
The are a couple different ways of comparing rates from local in Nevadaauto insurance companies. The quickest method to find the cheapest Dodge Ram 1500 Mega Cab Pickup insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.
The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This form prevents you from having to do repetitive form submissions to each individual auto insurance company. One form submission gets rate comparisons from many national carriers.
A more time consuming way to get comparison quotes is going to each company website and request a quote. For examples sake, let’s assume you want to compare rates from Auto-Owners, Esurance and Progressive. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
The least recommended method of getting rate comparisons is to spend time driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you want the personal advice of a local agent. It is possible to get the lowest quotes online but still have the advice of a local agent and you’ll learn how to do that later.
It doesn’t matter which method you choose, just ensure you are comparing the exact same coverage information on every quote you get. If you compare mixed coverages you will not be able to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. And when comparing auto insurance rates, know that comparing more company’s prices helps you find lower pricing.
Discounts are great for lower rates
Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specifically requested before being credited.
- No Accidents – Drivers with accident-free driving histories can save substantially compared to bad drivers.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
- Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
- Student Driver Training – Have your child successfully complete driver’s ed class in school.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So when it seems like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will help reduce your premiums.
Aren’t my neighborhood agents an option?
Some consumers prefer to sit down with an agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is you can get the lowest rates but also keep your business local. Buying from local agencies is especially important in smaller rural communities.
By using this short form, your information is transmitted to insurance agents who will give you bids for your insurance coverage. There is no need to leave your computer due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.
Multiple types of car insurance agents in Nevada
When searching for a good Nevada insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Agents are either captive or independent.
Independent Agents
Independent agents are not required to write business for one company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparison shopping, you should always get quotes from multiple independent agents for the best price selection.
Captive Agents
Captive agents can only place business with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so it’s a take it or leave it situation. These agents are well schooled on their products and sales techniques which can be an advantage.
For a full directory of Nevada agents, view this site.
Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. Agents should be asked these questions:
- Do the coverages you’re quoting properly cover your vehicle?
- What are the financial ratings for the companies they represent?
- Do they make recommendations based only on price?
- How are they compensated?
- Can glass repairs be made at your home?
- Will your rates increase after a single accident?
After getting positive feedback and locked in a price quote, you have narrowed it down to a car insurance agent that is a good match to provide auto insurance coverage.
Lesser-known factors impacting Dodge Ram 1500 Mega Cab Pickup insurance rates
It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that may reward you with big savings.
Listed below are a few of the “ingredients” that factor into rates.
- Do you have a high stress job? – Occupations such as real estate brokers, business owners and stock brokers are shown to have the highest rates in part from high stress levels and lots of time spent at work. On the other hand, occupations such as farmers, students and the unemployed pay the least for Ram Mega Cab pickup coverage.
- Liability coverage is peace of mind – Liability coverage is the coverage that protects you if you are found liable for personal injury or accident damage. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
- Performance influences rates – The type of car you are buying insurance for makes a significant difference in your rates. The lowest base rates are for economy passenger models, but other factors influence the final cost greatly. Since the Dodge Ram 1500 Mega Cab Pickup is considered a pickup truck, insuring your vehicle will cost similar in price than the average rate where you live.
- Theft deterrents lower rates – Driving a car with a theft deterrent system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
- Teen drivers pay high rates – Mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Young drivers are statistically proven to get distracted easily in a vehicle therefore auto insurance rates are much higher.
- A lapse in coverage is a bad thing – Having an insurance coverage lapse is a guaranteed way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with the Nevada motor vehicle department.
- Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. The safest vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Dodge Ram 1500 Mega Cab Pickup earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Can you really save $436 a year?
Companies like Allstate, GEICO and Progressive consistently run ads on TV and radio. All the ads have a common claim that you can save if you change your policy. But how can every company make the same claim? It’s all in the numbers.
Insurance companies can use profiling for the driver they prefer to insure. An example of a driver they prefer might be profiled as over the age of 50, has no prior claims, and drives less than 7,500 miles a year. Any driver who fits that profile will qualify for the lowest rates and therefore will save when switching.
Potential customers who don’t measure up to the “perfect” profile will have to pay higher premiums which leads to the customer not buying. The ads say “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently claim big savings.
Because of the profiling, it is so important to compare as many rates as you can. It is impossible to predict the company that will give you the biggest savings.
Do the work, save more money
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured cut uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price while still protecting your assets.
Affordable Dodge Ram 1500 Mega Cab Pickup insurance is available online and also from your neighborhood Nevada agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
For more Nevada car insurance information
Much more information about auto insurance in Nevada is located on the website for the Nevada Division of Insurance found here. Nevada consumers can learn about insurance regulations, read consumer alerts, file complaints about an insurance agent or broker, and find out industry alerts.
The following articles may also be useful.