9 Tips Shown to Save Money on Car Insurance Costs in Fallon, NV

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not the only one.

Drivers have multiple to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices every six months since rates are constantly changing. If you had the best price two years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because we're going to demonstrate the fastest and easiest way to eliminate unnecessary coverages and save money.

Be sure to get all your discounts

Auto insurance companies don't list every available discount very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Clubs and Organizations - Belonging to a qualifying organization is a good way to get lower rates on your policy.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with certain companies.
  • Resident Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Homeowners Discount - Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • No Accidents - Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you won't be that lucky.

Nevada car insurance

Is there truth in advertising?

Companies like State Farm and Allstate regularly use television and radio advertisements. All the ads make an identical promise about savings if you move to their company. How does each company make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk could be between 30 and 50, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be charged higher rates and ends up with business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully state the savings. That is why you should quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Learn more about Nevada car insurance

Even more information can be found at the Nevada Division of Insurance website. Consumers can file complaints about a company, find out which companies have the most complaints, read industry bulletins, and read enforcement actions against agents and companies.

Shop smart and save

You just learned many tips how you can reduce car insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper compared to the large companies like .

Cheaper car insurance is definitely available from both online companies and also from your neighborhood Fallon agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.