Buy North Las Vegas Auto Insurance Like a Bargain Hunter

Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as most other car owners in Nevada.

There are many insurance companies to purchase coverage from, and although it’s nice to have a choice, so many choices can make it hard to find the lowest rates.

It’s smart to check auto insurance prices every six months because rates change quite often. Even if you got the best rates six months ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to find better rates and still maintain coverage.

Choosing the best insurance company for you in North Las Vegas is not that difficult. Just about every driver who has to buy auto insurance most likely will be able to find better rates. Although Nevada vehicle owners should learn how the larger insurance companies market insurance on the web and use this information to your advantage.

Cheap North Las Vegas Auto Insurance Comparisons

To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. The best method to find competitive insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The single most time-saving way to find low rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing boring form submissions to each individual auto insurance company. One form submission will return price quotes from multiple low-cost companies.

A harder way to compare rate quotes consists of visiting each company website and fill out their own quote form. For instance, we’ll assume you want to compare USAA, Safeco and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is more popular.

For a handy list of car insurance company links in North Las Vegas, click here.

The most time-consuming way to get comparison rates is to spend your day driving to different agent offices. The internet makes this process obsolete unless you require the professional advice of a local agent. Drivers can obtain prices from the web and still use a local agent and we’ll cover that in a bit.

However you get your quotes, ensure you’re using apples-to-apples coverages for every quote you compare. If you use higher or lower deductibles it’s impossible to determine the best price in North Las Vegas. Slightly different limits can result in a big premium difference. And when comparing auto insurance rates, know that comparing more company’s prices will improve the odds of getting a lower rate.

Drivers who switch save $406 a year? Really?

Auto insurance providers like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all make an identical promise that you can save after switching to their company. How does each company claim to save you money?North Las Vegas auto insurance

Different companies are able to cherry pick for the type of customer that is profitable for them. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and has excellent credit. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t qualify for the requirements will be charged more money and ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save money. That’s the way insurance companies can make the claims of big savings. That is why drivers should get as many comparisons as possible. It is impossible to predict which company will have the lowest rates.

Components of your insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get big savings.

  • Clean credit earns discounts – Credit score is a important factor in determining what you pay for auto insurance. So if your credit is lower than you’d like, you could potentially save money when insuring your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, executives and accountants tend to have higher rates than average because of job stress and lots of time spent at work. On the flip side, occupations like pilots, athletes and performers receive lower rates.
  • Traffic citations inflate rates – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Just one citation may increase your cost twenty percent or more. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Marriage pays dividends – Being married helps lower the price on auto insurance. Having a spouse usually means you are more mature and it’s statistically proven that married couples file fewer claims.
  • Lower rates come with age – Teenage drivers in Nevada have a tendency to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Policy add-ons can waste money – There are a lot of extra coverages that you can get tricked into buying on your policy. Things like roadside assistance, accidental death and term life insurance may be wasting your money. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.

Are you getting all your discounts?

Companies do not list every discount very clearly, so we took the time to find both well-publicized and the more hidden auto insurance savings.

  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Homeowners Pay Less – Owning a home in North Las Vegas may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • No Claims – Good drivers with no accidents pay much less as compared to frequent claim filers.

Keep in mind that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

For a list of insurers offering auto insurance discounts in Nevada, follow this link.

Compare online but buy from a local North Las Vegas agent

Some consumers would rather sit down with an agent and there is nothing wrong with that. The best thing about comparing rates online is you may find the lowest rates and still choose a local agent.

By using this quick form, your insurance coverage information gets sent to insurance agents in North Las Vegas who will give you bids to get your business. You never need to visit any agencies because quoted prices will be sent directly to your email. How cool is that?! It’s the lowest rates and a licensed agent to work with.

Selecting an insurance company should depend on more than just the premium amount. Ask your prospective agent these questions:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What insurance companies do they work with?
  • If your car is totalled, how to they determine the replacement cost?
  • Can they give you a list of client referrals?
  • Do the companies they represent have a solid financial rating?
  • How long has their agency been in business in North Las Vegas?

Shown below is a short list of insurers in North Las Vegas that are able to give comparison quotes.

Argonaut Insurance – , North Las Vegas, NV 89032 – (702) 638-2935
Allstate Insurance – 5515 Camino AL Norte # 106, North Las Vegas, NV 89031 – (702) 649-6933
Professional Insurance Plan – 910 Hollowbluff Ave, North Las Vegas, NV 89031 – (702) 878-4041
State Farm Insurance – 1631 W Craig Rd # 3c, North Las Vegas, NV 89032 – (702) 649-9200
Farmers Insurance Group – 3925 N Martin L King Blvd #116, North Las Vegas, NV 89032 – (702) 647-3507
Agency Insurance Resolutions – 3100 E Lake Mead Blvd, North Las Vegas, NV 89030 – (702) 649-5505

Car insurance in North Las Vegas

Upon getting acceptable answers for all questions you ask and a good coverage price, you have narrowed it down to an insurance company that meets your needs to insure your vehicles.

Final considerations

Discount auto insurance can be purchased both online and with local North Las Vegas insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just covered a lot of techniques to lower your auto insurance rates. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a smaller regional carrier. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Even more information can be found at the Nevada Division of Insurance website. Nevada drivers can learn about specific coverages, download brochures, and file complaints about a company.

Additional helpful sites include this page for Nevada auto insurance and this link where you can get more info about North Las Vegas auto insurance.