Best 5 Tricks to Save on Ford Explorer Insurance in Nevada

Locating low-cost insurance for your Ford Explorer in Nevada can turn out to be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find car insurance online so you’re going to learn the absolute fastest way to compare rates for a Ford and find the cheapest rates from both online companies and Nevada agents.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Buying the lowest cost car insurance is quite easy. But Nevada car owners must know how big insurance companies compete online and apply this information to your search.

Don’t miss these 5 discounts

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. Some discounts apply automatically at quote time, but some may not be applied and must be inquired about prior to getting the savings.

  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Explorer insurance.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in school.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.

To see a list of companies offering car insurance discounts in Nevada, click this link.

When might I need help?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Is pleasure use cheaper than using my Ford Explorer to commute?
  • How can I get high-risk coverage after a DUI?
  • Who is covered by my policy?
  • When should my teen driver be added to my policy?
  • Do I need to file an SR-22 for a DUI in Nevada?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Misconceptions in car insurance advertisements

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make the same claim that you can save if you change to them. But how can every company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of driver that is profitable for them. A good example of a profitable customer might be profiled as a mature driver, owns a home, and drives less than 7,500 miles a year. A customer who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Drivers who don’t meet these standards will have to pay higher premiums which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s the way companies can claim big savings.

Because of the profiling, you absolutely need to get as many quotes as possible. It’s impossible to know which insurance companies will have the lowest rates.Nevada insurance prices

Additional information is available on the Nevada Division of Insurance website found here. Consumers can find disaster information, report car insurance fraud, and read industry bulletins.

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

Car insurance 101

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, hitting a deer, hitting a bird and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Explorer.

Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (15/30/10 in Nevada), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Auto liability insurance

find Explorer insurance

This coverage will cover injuries or damage you cause to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, pain and suffering, bail bonds and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying higher limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, dental work, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Quote more, save more

You just read quite a bit of information on how to reduce Ford Explorer insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even discover the biggest savings come from a small local company.

Cheaper Ford Explorer insurance can be found online and also from your neighborhood Nevada agents, and you need to price shop both to have the best selection. A few companies may not provide online price quotes and these small, regional companies work with independent agents.

Consumers leave their current company for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, unfair underwriting practices or even high rates after DUI convictions. No matter why you want to switch, switching car insurance companies can be easy and end up saving you some money.