10 Ways to Save Money on Honda CRX Insurance in Nevada

Expensive auto insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Companies like GEICO, Farmers Insurance and State Farm all promote huge savings with ad campaigns and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

You should take the time to price shop coverage occasionally due to the fact that insurance rates go up and down regularly. Just because you had the lowest rates for CRX insurance a couple years back you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online but I’m going to show you the best ways to find affordable auto insurance.

If you have a policy now or need new coverage, you can learn to find better prices while maintaining coverages. Finding the best rates is not that difficult. Nevada vehicle owners just need to learn the tricks to buy auto insurance online.

How to Compare Auto Insurance Quotes in Nevada

Finding a better price on auto insurance can be quick and easy. All that’s required is to invest a little time getting comparison quotes provided by online insurance companies. This can be accomplished in several different ways.

  1. The best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form keeps you from doing multiple quote forms for each company. A single, simple form compares rates from multiple low-cost companies.
  2. A more difficult way to shop for auto insurance online requires visiting each individual company website to request a price quote. For instance, we’ll assume you want comparison quotes from Auto-Owners, Progressive and American Family. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient way to compare rates is driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the trained guidance that only a license agent can provide. Drivers can price shop your coverage online but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but make darn sure you compare exactly the same coverages with each company. If your comparisons have mixed coverages it’s impossible to determine the lowest rate for your Honda CRX.

These ten discounts can slash auto insurance rates

Auto insurance companies don’t always publicize every available discount very well, so here is a list both the well known and also the lesser-known auto insurance savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for CRX insurance depending on your company.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • One Accident Forgiven – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Defensive Driving Course – Successfully completing a course in driver safety can save you 5% or more if your company offers it.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Low Mileage – Fewer annual miles on your Honda could be rewarded with discounted rates on garaged vehicles.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To choose providers with discount auto insurance rates in Nevada, click here.

Compare online but buy from a local Nevada agent

Certain consumers just want to talk to a local agent and that is OK! Agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing rates online is the fact that you can find lower rates and still have an agent to talk to.

To find an agent, once you fill out this quick form, your insurance coverage information is emailed to companies who will compete for your insurance coverage. You never need to leave your computer because quoted prices will be sent immediately to your email address.

Picking a company requires more thought than just a low price. These questions are important to ask:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What insurance companies do they recommend if they are an independent agent?
  • What is the agency’s Better Business Bureau rating?
  • Do the companies they represent have a solid financial rating?
  • Is vehicle damage repaired with OEM or aftermarket parts?

The type of auto insurance agent you choose is important

When finding a reputable insurance agent or broker, you need to know there are two types of agencies from which to choose. Nevada agents are either independent (non-captive) or captive. Both types can write coverage properly, but it’s good to learn the differences since it can impact the selection process.

Captive Insurance Agents

Captive insurance agents can only place business with one company such as AAA, Allstate and State Farm. They are unable to compare other company’s rates so keep that in mind. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Independent Agents

Independent agencies are not required to write business for one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.

When comparing rates, it’s recommended you contact several independent insurance agents to get the best comparison.free Nevada insurance quote

For a full directory of insurance agents in Nevada, view this site.

Upon receiving answers to your satisfaction to all your questions in addition to an acceptable price estimate, most likely you have located an insurance agent that will properly insure your vehicles. Just keep in mind once you purchase a policy you can terminate your policy for any reason so never feel you are locked into your new company for the full term.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if you could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Why am I required to buy high-risk coverage?
  • Where can I get insurance after a DUI in Nevada?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my Honda CRX covered for smoke damage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Additional detailed information is available at the Nevada Division of Insurance website. Nevada drivers can view agent and company licensing information, find disaster information, report car insurance fraud, and file complaints about a company.

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The fine print in auto insurance ads

Nevada consumers get pounded daily by advertisements for car insurance savings by State Farm, Allstate and GEICO. All the companies make an identical promise that you can save if you move to their company.

How can each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the driver that is profitable for them. For instance, a driver they prefer might be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer who matches those parameters will get very good rates and as a result will probably save a lot of money.

Drivers who fall outside the requirements will be quoted a higher premium which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can claim big savings. This emphasizes why drivers should compare as many rates as you can. It’s impossible to know which auto insurance company will provide you with the cheapest rates.

Car insurance 101

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Collision coverages – This coverage covers damage to your CRX resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses such as funeral costs, surgery and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

quote Honda CRX insurance

Comprehensive can pay for claims such as rock chips in glass, theft, a broken windshield and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Honda CRX.

Since many Nevada drivers only purchase the least amount of liability that is required (15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, emergency aid, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. Nevada requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing more liability than the minimum.

And the best car insurance company is…

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice liability coverage limits only to regret that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We just presented many ways to lower your Honda CRX insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.