Five Minute Guide to Cheaper Chevy Traverse Insurance Rates in Las Vegas

Have you fallen victim to high-priced car insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many auto insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, having more insurers makes it harder to adequately compare rates.

Locating affordable coverage in Las Vegas is not that difficult. If you have a current car insurance policy or need new coverage, you can use these tips to find the best rates and still get good coverage. Nevada drivers just need to understand how to compare company rates online.

Chevy Traverse rate determination is complex

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Women pay lower rates – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Both sexes are in accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving.
  • An active claims history can cost you – Companies in Nevada generally give lower rates to insureds who do not file claims often. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for the large, substantial claims.
  • Never allow your policy to lapse – Driving without insurance is against the law and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with the Nevada motor vehicle department.
  • Adjust deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some examples of claims that would be covered are collision with another vehicle, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the less your car insurance will be on Traverse coverage.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Chevy has ratings of a minimum four stars on you are probably receiving a discount.
  • More miles equals more premium – The more miles you rack up on your Chevy in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Autos left parked in the garage receive lower rates compared to those used for work or business. Make sure your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Traverse may be wasting your money.
  • Poor credit can mean higher rates – A driver’s credit score is a important factor in your rate calculation. People with excellent credit tend to be more responsible than drivers with lower credit scores. So if your credit score is low, you could save money insuring your Chevrolet Traverse by spending a little time repairing your credit.

How to Compare Las Vegas Car Insurance Costs

Getting better Chevy Traverse car insurance pricing is surprisingly easy. Consumers just need to take time comparing price quotes provided by online insurance companies. This can be accomplished in several different ways.

The most efficient way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quote forms for every car insurance company. Completing one form gets you coverage quotes from multiple companies.

A slightly less efficient method to compare prices consists of visiting the website for every company you want to comare to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from USAA, Allstate and Progressive. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in Las Vegas, click here.

The most time-consuming method of getting rate comparisons is driving to and from local Las Vegas insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the professional advice that only a license agent can provide. It is possible to find lower rates online and still use a local agent and you’ll learn how to do that later.

However you get your quotes, ensure you are comparing identical information on every quote you get. If you are comparing different limits and deductibles on each one it will be next to impossible to make an equal comparison in Las Vegas.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but a few need to be specifically requested before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.Las Vegas insurance banner

  • College Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Paperwork-free – A few companies will give a small break just for signing your application digitally online.

Keep in mind that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurers offering car insurance discounts in Las Vegas, click this link.

Neighborhood insurance agents

A small number of people just want to sit down with an agent and that is a personal choice. Agents can answer important questions and help file insurance claims. The biggest benefit of comparing rates online is the fact that you can find better rates but still work with a licensed agent. And supporting local agencies is important especially in Las Vegas.

Once you complete this short form, your insurance data gets sent to local insurance agents in Las Vegas who will return price quotes to get your business. You don’t have to visit any agencies due to the fact that quote results will go immediately to your email address. How cool is that?!

Compare rates from both independent and captive insurance agents

When searching for a good insurance agency, there are two types of agencies from which to choose. Insurance agencies in Las Vegas are classified as either independent (non-captive) or captive. While both can insure your vehicles, but it’s good to learn how they are different since it may influence your agent selection.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but rather can write business with many different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, we recommend you contact at a minimum one independent agency for the best price selection.

Captive Insurance Agents

Captive agencies can only write with one company like Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so keep that in mind. These agents are well schooled on the products they sell and that can be a competitive advantage.

Picking an insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

  • Are they full-time agents?
  • Do they specialize in personal lines coverage?
  • Do they feel the quoted coverages are adequate?
  • What insurance companies do they work with?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Once you have received reasonable responses for all questions you ask in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.

best Chevrolet Traverse insurance

Additional information can be found on the website for the Nevada Division of Insurance located here. Nevada drivers can learn about specific coverages, find out which companies have the most complaints, view agent and company licensing information, and find a variety of consumer forms.

A little work can save a LOT of money

We just showed you some good ideas how you can get a better price on Chevy Traverse insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest price.

Affordable Chevy Traverse insurance is possible from both online companies and with local Las Vegas insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.