Nevada Drivers Who Know These Tricks Save More on Kia Sorento Insurance

Searching for low-cost insurance for your Kia Sorento in Nevada could be a lot of work, but you can use these tips to make it easier. There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to compare rates for a Kia and find the best price possible from Nevada insurance agents and online providers.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding more affordable car insurance is simple if you know the tricks. Although Nevada car owners do need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

Finding Car Insurance in Nevada

Performing a rate comparison can take hours if you don’t know the most efficient way. You could waste time driving to insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most of the larger companies are enrolled in a marketplace that enables customers to submit their information once, and each participating company can provide price quotes based on that data. This prevents consumers from doing quotation requests to every company.

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One minor caviat to using this type of system is you are unable to specify which insurance companies you will receive quotes from. If you wish to select specific providers to compare, we have a listing of car insurance companies in Nevada. View list of Nevada insurance companies.

However you get your quotes, make sure you use the exact same deductibles and coverage limits on every quote you get. If your comparisons have different limits and deductibles on each one it will be very difficult to decipher which rate is best. Having just a slight variation in coverage limits can make a big difference in price. Just keep in mind that comparing more company’s prices helps you find better pricing.

The car insurance bait and switch

Car insurance providers like State Farm, GEICO and Progressive regularly use ads in print and on television. They all say the same thing that you’ll save big if you move your policy. But how can every company say the same thing?

All companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a desirable insured might be over the age of 40, a clean driving record, and has excellent credit. Any driver who matches those parameters will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t measure up to the “perfect” profile will be charged higher premiums which leads to the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully claim big savings. That is why you need to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest rates.Nevada insurance prices

Cut your premium with discounts

Auto insurance companies don’t list every available discount very well, so we took the time to find some of the more common and the harder-to-find car insurance savings.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Own a Home – Owning a house can help you save on car insurance because owning a home requires personal responsibility.
  • E-sign – A handful of insurance companies will give a small break simply for signing online.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • Air Bag Discount – Cars that have air bags can get savings of 20% or more.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.

Drivers should understand that most discounts do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck.

Can’t I compare rates from local Nevada agents?

Certain consumers prefer to sit down with an agent and that is just fine! The biggest benefit of price shopping on the web is you can get the lowest rates but still work with a licensed agent.

After filling out this simple form, your insurance data gets sent to agents in your area who will give you bids for your business. You won’t need to even leave your home as quotes are delivered to the email address you provide. How’s that for easy! It’s the lowest rates without the usual hassles of price shopping.

Picking an insurer should depend on more than just the bottom line cost. Here are some questions to ask:

  • Do they feel the quoted coverages are adequate?
  • Who is covered by the car insurance policy?
  • How much will you save each year by using a higher deductible?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are they properly licensed to sell insurance in Nevada?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do they regularly work with personal auto policies?
  • Are claim adjusters local or do you have to take your car somewhere else?

Captive or Independent: There is a difference

When searching for a good insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agencies in Nevada are classified as either independent or captive.

Captive Insurance Agents

Captive insurance agents write business for a single company like AAA, Allstate and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captives are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from captives partially due to high brand loyalty and strong financial ratings.

Independent Agents

Independent agents are not locked into one company but rather can write business amongst many companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, we recommend you include price quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with smaller companies which can save you money.

To view a full list of agents in Nevada, visit this page.

After getting positive feedback for all questions you ask as well as a affordable price, you may have just found an insurance agent that can provide car insurance coverage.

compare Sorento insurance prices

Additional detailed information can be read at the Nevada Division of Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read consumer alerts.

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

Better coverage you can count on

We just covered a lot of information how to shop for Kia Sorento insurance online. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the lowest priced car insurance comes from a small mutual company.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, policy non-renewal, poor customer service and even policy cancellation. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.