Are Your Chevy Equinox Auto Insurance Rates Draining Your Savings in Las Vegas?

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other drivers in Nevada. With consumers having so many auto insurance companies to choose from, it can be hard to choose the lowest cost car insurance company.

The purpose of this article is to help you learn how to get online quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevada drivers just need to understand the tricks to buy auto insurance over the internet.

Save money by taking advantage of these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few need to be requested specifically prior to getting the savings. If you don’t get every credit possible, you’re just leaving money on the table.

Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Equinox coverage with select insurance companies.
Save over 55 – Older drivers can possibly qualify for reduced rates for Equinox coverage.
Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when buying auto insurance for Equinox coverage.
Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
E-sign – A few companies may give you up to $50 just for signing your application on their website.
Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Student in College – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, it just doesn’t work that way. But any discount will help reduce the amount you have to pay.

It’s not one size fits all

When buying the best auto insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight if your situation may require specific advice.

Does liability extend to a camper or trailer?
Does my insurance cover a custom paint job?
Is a new car covered when I drive it off the dealer lot?
How can I get high-risk coverage after a DUI?
I don’t drive much so do I pay less?
Will I be non-renewed for getting a DUI or other conviction?
Do I need higher deductibles?
Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Comparing rates from local agents

Some consumers would rather buy from a local agent and that is OK! Educated insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of price shopping on the web is that you can obtain lower rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Las Vegas. Las Vegas insurance cheap

By using this quick form, the coverage information is immediately sent to local insurance agents in Las Vegas who will compete to get your business. You never need to drive around since price quotes are sent to your email. It doesn’t get any easier!

Pick the best car insurance agent in Las Vegas for you

If you’re trying to find a good Las Vegas insurance agent, there are two different agency structures to choose from. Las Vegas agents are categorized either independent (non-captive) or captive. While both can do a good job, but it’s worth mentioning the difference between them because it can impact your selection of an agent.

Independent Agents (or Brokers)

These agents are not required to write business for one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When searching for an agent, it’s a good idea to get quotes from several independent insurance agents to ensure the widest selection of prices.

Captive Agents

These agents work for only one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to place coverage with different providers so keep that in mind. Captive agencies receive extensive training on their company’s products which helps them compete with independent agents.

Choosing a car insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:

Do they receive special compensation for putting your coverage with one company over another?
Are claim adjusters local or do you have to take your car somewhere else?
Do they regularly work with personal auto policies?
Who is covered by the car insurance policy?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Is vehicle mileage a factor when determining depreciation for repairs?
Are you getting all the discounts the company offers?

Upon receiving positive feedback to any questions you have and an acceptable price quote, most likely you have located an insurance agency that can properly service your auto insurance policy.

Additional resources for Nevada consumers

More information can be found on the website for the Nevada Division of Insurance located here. Consumers can learn about insurance regulations, find disaster information, discover disciplinary actions, and report car insurance fraud.

More comparisons equals lower rates

Discount Chevy Equinox insurance can be bought from both online companies in addition to many Las Vegas insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best price.