Buying Insurance for Your Fiat 500 in Nevada Using Online Quotes
Searching for low-cost insurance for your Fiat 500 in Nevada can be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to compare rates for your Fiat and find the lowest price from both online companies and Nevada agents.
You need to compare rates every six months because insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rates on 500 insurance six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best methods to find great coverage at a great price.
Save money by taking advantage of these discounts
Companies don’t necessarily list all their discounts very clearly, so we researched both well-publicized as well as the least known ways to save on auto insurance.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on 500 insurance than drivers with accidents.
- Distant Student – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
- Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
- Save with a New Car – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
- Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
- Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
- Save over 55 – Mature drivers can possibly qualify for reduced rates on 500 insurance.
- Homeowners Savings – Owning a house can help you save on auto insurance because owning a home is proof that your finances are in order.
Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. Just because you may think you could get a free auto insurance policy, you won’t be that lucky.
To choose providers with discount auto insurance rates in Nevada, follow this link.
Comparison of Auto Insurance in Nevada
The are a couple different ways of comparing rate quotes from auto insurance companies in your area. The quickest method to compare insurance prices involves getting comparison quotes online. This is very easy and can be done in several different ways.
- One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating boring form submissions for each company. One form will get you rate comparisons from several companies. This is perfect if you don’t have a lot of time.
- A more time consuming way to compare prices requires a trip to the website for each individual company and fill out their own quote form. For example, let’s say you want to compare USAA, Liberty Mutual and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker.
To view a list of companies in your area, click here.
- The most time-consuming method of comparing rate quotes is to drive around to local insurance agencies. The internet can eliminate the need for a local agent unless you require the professional guidance of a licensed agent. It is possible to comparison shop online and still use a local agent.
It’s up to you which method you use, but ensure you are comparing the exact same information for every quote you compare. If you have different deductibles you can’t possibly determine the best price for your Fiat 500. Having just a slight variation in coverages could mean much higher rates. Keep in mind that getting more free quotes will improve the odds of getting the best offered rates.
Fiat 500 premiums are determined by many factors
Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that could result in lower auto insurance prices.
- Safer cars are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Fiat has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
- Small claims can cost you – Car insurance companies in Nevada award lower rates to drivers who file claims infrequently. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.
- Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
- Occupation reflects on rates – Occupations such as real estate brokers, business owners and stock brokers are shown to have the highest rates due to high stress levels and lengthy work days. On the other hand, occupations such as farmers, students and retirees pay the least on 500 insurance.
Buying car insurance locally
Some people prefer to sit down with an agent and that is OK! One of the great benefits of price shopping on the web is you can get better rates and still choose a local agent.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is submitted to agents in your area who will battle to get your business. You won’t need to visit any agencies because quoted prices will be sent straight to your inbox. How’s that for easy! You can find better rates and a licensed agent to work with.
Selecting a company requires more thought than just a low price. Any agent should be forthright in answering these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they regularly work with personal auto policies?
- What is the agency’s Better Business Bureau rating?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they feel the quoted coverages are adequate?
- Which insurance companies are they affiliated with?
The difference between Nevada car insurance agents
If you’re trying to find a reliable agent, you need to know there are two different types of agents from which to choose. Insurance agencies in Nevada can either be captive or independent.
Captive Insurance Agents
These agents are contracted to one company such as AAA, Allstate and State Farm. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies receive extensive training on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to purchase coverage from captives partially due to the brand legacy and the convenience of having all coverages with one company.
Independent Agencies or Brokers
These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and that require little work on your part.
When searching for an agent, we recommend you get quotes from at a minimum one independent agency to get the best comparison. They often place coverage with lesser-known insurance companies who may have lower rates.
For a full directory of insurance agencies in Nevada, click here.
After receiving acceptable answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that can properly service your auto insurance policy.
Smart consumers save more
When you buy insurance online, never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped full coverage and found out when filing a claim that they should have had better coverage. The aim is to get the best coverage possible at the best price while still protecting your assets.
We just covered a lot of ways to reduce Fiat 500 insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small mutual company.
Low-cost Fiat 500 insurance is attainable online in addition to many Nevada insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
Learn more today
More detailed Nevada auto insurance information is available at the Nevada Division of Insurance website. Nevada consumers can file complaints about an insurance agent or broker, learn about specific coverages, and report car insurance fraud.
These articles may also be worth reading.