Are Your Fiat 500 Car Insurance Rates Too High in Las Vegas?
Nobody I know likes having to buy car insurance, particularly when the price is too high.
Because there are so many online and local companies to choose from, it can be impossible to locate the lowest price insurance company.
It’s a great practice to get comparison quotes every six months because prices trend upward over time. If you had the lowest rates for 500 coverage a year ago a different company probably has better rates today. Don’t believe everything you read about car insurance on the internet, so with this article, you’re going to get some great ideas on how to quit paying high car insurance rates.
How to Buy Las Vegas Car Insurance Online
Most companies like State Farm, Allstate and GEICO give coverage price quotes on the web. Getting online rates is quite easy as you just enter your personal and coverage information as requested by the quote form. Behind the scenes, their rating system makes automated requests for your driving record and credit report and returns a price based on many factors. Online price quotes helps simplify price comparisons, but the work required to visit different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to find the lowest possible prices on car insurance.
Compare rates the easy way
The easiest way to find cheaper rates makes use of a single form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online shopping much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can select your choice of the returned quotes.
If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes just a few minutes to complete and may save quite a bit of money.
In order to get comparison pricing now, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits as close as possible to your current policy. This guarantees you are getting a fair comparison based on the exact same insurance coverage.
Cut your car insurance rates with discounts
The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Some trigger automatically at the time of purchase, but some may not be applied and must be asked for before they will apply.
- Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.
- Good Students Pay Less – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for 500 coverage than drivers with accidents.
- Military Rewards – Having a family member in the military may qualify for rate reductions.
- Memberships – Being a member of a professional or civic organization is a good way to get lower rates on car insurance for 500 coverage.
- Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.
For a list of insurance companies with the best car insurance discounts in Nevada, click this link.
Are insurance agents a thing of the past?
Some people prefer to buy from a licensed agent and that is just fine! One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to. And supporting small agencies is important particularly in Las Vegas.
For easy comparison, once you complete this simple form, your coverage information gets sent to insurance agents in Las Vegas who will return price quotes for your business. You won’t need to drive around as quotes are delivered immediately to your email address. How cool is that?! Get lower rates AND a local agent.
To contact a specific insurance agent in Las Vegas, view this link.
Picking an provider needs to be determined by more than just the price. These questions are important to ask:
- Does the agency provide any after hours assistance?
- Will their companies depreciate repairs to your car based on the mileage?
- Are there any discounts that you might be missing?
- Does the agency support the community they serve?
- Who are their largest clients?
- Do the companies they represent have a solid financial rating?
- If they are an independent agency, which companies do they recommend?
Upon receiving answers to your satisfaction to your questions as well as a affordable price, chances are good that you have found an insurance company that meets your needs to provide car insurance coverage.
Some factors that can determine what Fiat 500 insurance costs
Consumers need to have an understanding of some of the elements that go into determining car insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in lower car insurance prices.
- Your location is important – Being located in a small town is a positive aspect when it comes to car insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents.
- Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
- How your age affects price – Teenage drivers in Nevada have a tendency to be less responsible behind the wheel so they pay higher car insurance rates. Having to add a teenage driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
- High performance equals high price – The performance level of the car you are buying insurance for makes a big difference in how high your rates are. The cheapest insurance rates are usually for low performance passenger cars, but other factors influence the final cost greatly. Because the Fiat 500 is a passenger car, insuring your vehicle will cost similar in price or lower as compared to the average rate in Las Vegas.
The fine print in car insurance ads
State Farm, Allstate and GEICO consistently run ads on television and other media. All the companies make the same claim about savings if you change to their company. How can each company make almost identical claims? It’s all in the numbers.
Insurance companies are able to cherry pick for the type of customer that is profitable for them. For instance, a desirable insured could be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save quite a bit of money when switching.
Potential customers who fall outside the “perfect” profile must pay higher premiums which usually ends up with business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully state the savings.
This illustrates why it’s extremely important to compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.
Better coverage you can count on
When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured dropped physical damage coverage only to regret that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Cheaper Fiat 500 insurance is attainable on the web and also from your neighborhood Las Vegas agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Additional car insurance information is located on the website for the Nevada Division of Insurance through this link. Nevada consumers can file complaints about an insurance agent or broker, read consumer alerts, and read enforcement actions against agents and companies.
The articles below may also help you learn more about car insurance in Las Vegas