Yerington Car Insurance Buying Tips You Aren’t Supposed to Know

Having to pay for overpriced car insurance can empty your checking account and put a big crunch on your finances. Comparing price quotes is a great way to help make ends meet. Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the lowest price

Rate influencing factors

An important part of buying insurance is that you know the rating factors that help determine car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine premiums.

  • Older drivers pay less – Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Young drivers are statistically proven to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • Your credit rating is important – Having a bad credit score is a huge factor in calculating your car insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit is low, you could pay less to insure your by improving your credit score.
  • Drive less and save money – The higher the mileage driven each year the higher your rate. Most insurance companies apply a rate based on their usage. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle.
  • Men are more aggressive – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Pay less after the wedding – Getting married can actually save you money on your car insurance policy. Marriage is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
  • Performance level impacts rates – The performance of the car you own makes a significant difference in the rate you pay. Lower performance four cylinder passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.
  • High deductibles save money – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The deductibles are how much you are required to spend if you file a covered claim. The more expense you’re willing to pay, the less your car insurance will be.
  • Small claims can cost you – If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance companies in Nevada award cheaper rates to insureds who are claim-free. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.

How to Compare Yerington Car Insurance Rates

All major car insurance companies like Progressive, GEICO, Allstate and State Farm quote insurance quotes online. Getting quotes is pretty easy as you just type in the coverages you want as requested by the quote form. Once you submit the form, their rating system requests credit information and your driving record and quotes a price. Online price quotes makes it a lot easier to compare rates but having to visit several different sites and enter the same data into a form is repetitive and time-consuming. But it’s very important to do this if you are searching for the lowest car insurance rates.

The smarter way to compare car insurance pricing requires only one form that gets prices from multiple companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much easier to do. After sending the form, it is rated with multiple companies and you can pick any of the price quotes you receive.

If you find a better price you can click and sign and purchase coverage. This process just takes a couple of minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you complete the form with identical to your current policy. This guarantees you will have a fair comparison for exact coverage.

Switch companies and save? Really?

Consumers in Nevada constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all make the same claim about savings if you switch your coverage to them.

But how can every company claim to save you money?

All companies have a certain “appetite” for the type of customer that makes them money. For example, a preferred risk could possibly be between 30 and 50, is a homeowner, and has a high credit rating. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.<img class="alignright" style="padding-top:15px" src="http://www.findnewcarinsurance.com/wp-content/uploads/ci175-102.jpg" alt="Yerington NV insurance quotes” />

Potential insureds who do not match this ideal profile must pay higher rates which leads to business not being written. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That’s why insurance companies can advertise the way they do.

This illustrates why drivers must compare as many rates as you can. You cannot predict which company will give you the biggest savings.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked about prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application online.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.

Drivers should understand that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies offering car insurance discounts in Nevada, click this link.

What about using a local agent?

A small number of people would prefer to buy from a licensed agent and that is OK! Licensed agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is that you can obtain the best rates but also keep your business local. Buying from local insurance agencies is important particularly in Yerington.

Once you complete this quick form, the quote information gets sent to insurance agents in Yerington who will give you bids to get your business. You don’t have to drive around as quotes are delivered immediately to your email address. Now that’s easy!

If you prefer to view licensed agents in Yerington, simply jump to this page.

Selecting an insurance company requires more thought than just the price. Here are some questions to ask:

Yerington NV insurance quotes

  • How much can you save by raising your physical damage deductibles?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Does the agency have a good rating with the Better Business Bureau?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Will their companies depreciate repairs to your car based on the mileage?

Upon receiving acceptable answers and an affordable coverage quote, you may have just found an provider that meets your needs to provide car insurance coverage.

More information can be read on the website for the Nevada Division of Insurance through this link. Nevada drivers can view a list of available companies, read consumer alerts, file complaints about a company, and find disaster information.

The following information may also be useful.

Affordable insurance is out there

In this article, we presented a lot of information how to shop for car insurance online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest rates come from an unexpected company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

Cheaper car insurance can be bought both online as well as from independent agents in Yerington, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.