Volvo S80 Insurance in Nevada – 7 Tips to Cut Costs

Nevada consumers have lots of choices when looking for low-cost Volvo S80 insurance. You can either waste hours contacting agents to compare prices or save time using the internet to get rate quotes. There is a better way to buy auto insurance so you’re going to learn the quickest way to get price quotes for a Volvo and locate the cheapest rates from Nevada insurance agents and online providers.

How to Compare Nevada Auto Insurance Rates

There are a lot of ways you can shop for auto insurance and some are less time-consuming than others. You could waste time driving to agents in your area, or you can utilize the web to get pricing more quickly.

Many companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and each company provides a quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The one downside to using this type of form is buyers cannot specifically choose the insurers to get quotes from. So if you want to choose specific insurance companies to receive pricing from, we put together a list of companies who write auto insurance in Nevada. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverages and limits for every company. If you compare different liability limits it will be very difficult to truly determine the lowest rate.

Take advantage of discounts

Companies offering auto insurance don’t always publicize every discount very well, so we took the time to find both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit you qualify for, you are throwing money away.

Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for S80 coverage with select insurance companies.
Defensive Driving Course – Taking part in a defensive driving course could save 5% or more if your company offers it.
Resident Student – Kids in college who live away from home and don’t have a car can receive lower rates.
Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for S80 coverage than less cautious drivers.
Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
Payment Method – If paying your policy premium upfront rather than paying monthly you could save up to 5%.

It’s important to note that some credits don’t apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurers who offer auto insurance discounts in Nevada, click here to view.

Car Insurance through a local agent

Some consumers would prefer to sit down with an agent and that is a personal choice. Educated insurance agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent.

By using this quick form, your insurance data is transmitted to companies who will return price quotes for your insurance coverage. There is no need to drive around as quotes are delivered directly to your email. It doesn’t get any easier!

Picking an insurer should depend on more than just the price. These questions are important to ask:

Are they properly licensed to sell insurance in Nevada?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Is working in the agency their full-time job?
Who are their largest clients?
Are claim adjusters local or do you have to take your car somewhere else?
Do you have coverage for a rental car if your vehicle is in the repair shop?

Insurance agent types

When searching for a reputable insurance agent or broker, you need to know there are two types of insurance agents that you can select. Insurance agencies in Nevada are classified as either independent (non-captive) or captive. While both can write coverage properly, but it’s worth mentioning the differences since it can impact buying decisions.

Captive Agents

Captive agents can only write with one company like Allstate, State Farm and Farmers Insurance. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Captive agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from captives partially due to high brand loyalty and the convenience of having all coverages with one company.

Independent Agencies or Brokers

Independent agents do not work for one specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When shopping rates, we recommend you include price quotes from multiple independent agents to have the most options to choose from. They often place coverage with different regional companies which can be an advantage. Nevada car insurance quote

For a full directory of auto insurance agents in Nevada, click here.

Once you have received positive feedback to your questions and a low price estimate, you’ve probably found an insurance agent that will adequately provide auto insurance.

More tips and info about auto insurance can be read at the Nevada Division of Insurance website. Nevada consumers can get help finding coverage, read enforcement actions against agents and companies, read state legal mandates and laws, and find out which companies have the most complaints.

The articles below may also help you learn more about auto insurance in Nevada

Ads can be misleading

Nevada drivers can’t ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you switch to them.

But how can every company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that makes them money. For example, a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who are not a match for these standards must pay more money which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can advertise the savings. This illustrates why drivers should get quotes from several different companies. You cannot predict the company that will give you the biggest savings.

Specific coverage details

Understanding the coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Volvo S80.

Since a lot of drivers carry very low liability coverage limits (15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability – This coverage will cover damage that occurs to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy higher limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses like EMT expenses, hospital visits, nursing services, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

More effort can pay off

Cheaper Volvo S80 insurance is possible both online as well as from independent agents in Nevada, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

You just read many ways to reduce Volvo S80 insurance prices online. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice full coverage only to regret they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.