Buy West Wendover Car Insurance Like a Scrooge

I can’t think of anyone who cherishes buying car insurance, especially when the cost is way too high.

Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurer and get the definite lowest rate possible.

You should take the time to compare rates periodically because prices are rarely the same from one policy term to another. Just because you found the best deal a couple years back the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online but I’m going to show you some of the best ways to slash your car insurance rates.

Finding Car Insurance in West Wendover, NV

To find the best car insurance prices, there are several ways of comparing price quotes from local in West Wendover, NVcar insurance companies. By far the easiest way to compare insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  • The best way to get quotes is to use a rate comparison form (click to open form in new window). This form keeps you from doing separate quotation requests to each individual car insurance company. One form will get you rate comparisons from multiple companies.
  • A less efficient way to shop for car insurance online is to manually visit the website of each company and fill out their own quote form. For example, let’s say you want rates from Auto-Owners, Liberty Mutual and Allstate. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in West Wendover, click here.

Whichever way you use, double check that you are using exactly the same coverage limits and deductibles with every price quote. If you have different limits and deductibles on each one you can’t possibly make a fair comparison in West Wendover. Having just a slight variation in coverages may result in a large different in cost. And when price shopping your coverage, obtaining a wide range of quotes helps locate better pricing.

Don’t pay full price with these discounts

Car insurance companies don’t always list every discount very well, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Resident Student – Kids in college who are attending college and don’t have a car may be able to be covered for less.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
  • No Accidents – Good drivers with no accidents pay much less as compared to frequent claim filers.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Defensive Driver – Taking a course in driver safety could cut 5% off your bill depending on where you live.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount when buying car insurance.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

For a list of providers who offer car insurance discounts in Nevada, click this link.

Even more information is available at the Nevada Division of Insurance website. Visitors are able to read state legal mandates and laws, learn about insurance regulations, and discover disciplinary actions.