5 Shopping Tips Shown to Lower Car Insurance Costs in Boulder City, NV

Are you intimidated by the wide range of car insurance options in Boulder City? You're not the only one! There are so many options available that it can turn into a challenge to find the lowest price.

How to Compare Car Insurance in Boulder City, Nevada

There are several ways to compare car insurance prices but some are less time-consuming than others. You could spend your day talking about coverages with agents in Boulder City, or you can stay home and use online quotes to achieve your goal.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and every company returns a rated price based on that information. This saves time by eliminating quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is that you can't choose which companies you want pricing from. If you prefer to choose from a list of companies for rate comparison, we have assembled a list of the cheapest car insurance companies in Nevada. View list of Nevada insurance companies.

It's your choice how you get your quotes, but ensure you are comparing identical coverages with each company. If the quotes have different limits and deductibles on each one you will not be able to make an equal comparison in Boulder City.

How much can you save with these 5 discounts?

Car insurance companies don't always advertise all available discounts very clearly, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using. If you're not getting every credit possible, you're just leaving money on the table.

  • Club Memberships - Belonging to a qualifying organization is a good way to get lower rates when buying car insurance.
  • Claim Free - Drivers with accident-free driving histories pay less when compared with frequent claim filers.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

It's important to note that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you're out of luck.

For a list of insurers with the best car insurance discounts in Nevada, click here to view.

Additional detailed information can be read at the Nevada Division of Insurance website. Consumers can find out which companies have the most complaints, read industry bulletins, and read consumer alerts.

Best coverage at the best price

Lower-priced car insurance is definitely available from both online companies as well as from independent agents in Boulder City, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

People who switch companies do it for any number of reasons including questionable increases in premium, high rates after DUI convictions, policy cancellation and lack of trust in their agent. It doesn't matter what your reason, switching car insurance companies is not as hard as you think.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.