Top Methods to Save When Insuring Your Chevy Cruze in Las Vegas
Paying for high-priced Chevrolet Cruze insurance can overdraw your checking account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to lower your monthly bill.
Multiple auto insurance companies compete for your business, so it’s not easy to compare every insurer to get the lowest price
How to Compare Las Vegas Car Insurance Costs
Comparing car insurance rates can take hours if you don’t understand the fastest way to get free quotes. You can waste a lot of time driving to local insurance agents in Las Vegas, or you could save time and use online quotes to get the quickest rates.
Many insurance companies participate in an industry program that enables customers to only type in their quote data once, and at least one company then gives them pricing determined by their information. This system prevents you from having to do quote requests for each company you want a rate for.
To find out what other companies charge click here to open in new window.
The only downside to using this type of system is you are unable to specify which providers to get quotes from. So if you want to choose specific insurance companies to receive pricing from, we have a page of low cost car insurance companies in Nevada. Click to view list.
It’s up to you which method you use, but ensure you are comparing exactly the same coverage limits and deductibles with every price quote. If your comparisons have differing limits it will be very difficult to determine the lowest rate for your Chevy Cruze in Las Vegas. Slightly different coverage limits could mean much higher rates. It’s important to know that getting more free quotes helps locate lower pricing.
Are car insurance companies telling the truth?
State Farm and Allstate consistently run ads on TV and radio. All the companies make an identical promise that you’ll save big if you change your coverage to them. But how can every company make the same claim? This is how they do it.
All the different companies can use profiling for the type of customer that makes them money. For example, a driver they prefer could possibly be between 25 and 40, owns a home, and drives less than 10,000 miles a year. A propective insured who matches those parameters receives the best rates and therefore will cut their rates substantially.
Potential insureds who do not match this ideal profile will be charged higher prices which usually ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That’s why insurance companies can advertise the savings. That is why it is so important to get a wide range of price quotes. It’s impossible to know which insurance companies will give you the biggest savings.
These factors can influence Chevy Cruze insurance rates
Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates enables informed choices that can help you get better car insurance rates.
- Poor credit can mean higher rates – Having a bad credit rating is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. So if your credit score can use some improvement, you could be paying less to insure your Chevrolet Cruze by improving your credit score.
- Do you need those extra coverages? – There are many additional coverages that can waste your money on your Cruze policy. Coverages for rental car reimbursement, accident forgiveness and term life insurance may be costing you every month. These coverages may sound good at first, but if they’re wasting money eliminate them to save money.
- Safer cars cost less to insure – Safer cars are cheaper to insure. Safer cars result in less severe injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If the Chevy Cruze scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Lower rates with optional equipment – Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
- Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women cause accidents in similar numbers, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
Take discounts and save
Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.
- New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
- College Student – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Cruze coverage.
- Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates on your policy on Cruze coverage.
- Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
- Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
- E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Lower Rates for Military – Having a family member in the military could mean lower rates.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Consumers should know that most discounts do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.
For a list of companies with discount car insurance rates in Nevada, follow this link.
Will just any policy work for me?
When it comes to buying coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
- Do all my vehicles need collision coverage?
- Is pleasure use cheaper than using my Chevy Cruze to commute?
- Do I need to file an SR-22 for a DUI in Nevada?
- Can I afford to pay high deductible claims out of pocket?
- Can I afford to buy a different vehicle if my Chevy Cruze is totaled?
- How can I get high-risk coverage after a DUI?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Are insurance agents obsolete?
Some people prefer to buy from a licensed agent and that is OK! One of the great benefits of price shopping on the web is that you can obtain the best rates and still choose a local agent.
To help locate an agent, after submitting this simple form, your insurance data is instantly submitted to participating agents in Las Vegas who will compete for your coverage. You don’t have to visit any agencies since price quotes are sent to the email address you provide. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.
Choosing a company shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- Which company do they place the most coverage with?
- What are the financial ratings for the companies they represent?
- Can glass repairs be made at your home?
- Is assistance available after office hours?
- If you have an accident, will your rates go up?
If you wish to view a list of agents in Las Vegas to contact, go to this page.
Upon getting good answers to all your questions and locked in a price quote, you have narrowed it down to an provider that meets your needs to adequately provide car insurance.
Keep this in mind
Affordable Chevy Cruze insurance is available online in addition to many Las Vegas insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
We just showed you a lot of techniques to get a better price on Chevy Cruze insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.
Find out more about car insurance
More tips and info about car insurance is located at the Nevada Division of Insurance website. Nevada drivers can read state legal mandates and laws, get help finding coverage, find out industry alerts, and learn about specific coverages.
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