Finding the Cheapest Lovelock Auto Insurance

No one looks forward to paying for auto insurance, especially knowing the cost is too high. Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage periodically since insurance rates are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance online, so we're going to give you some great ways to put money back in your pocket.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you in Lovelock is quite easy. Nevada drivers only need an understanding of the tricks to find the lowest price over the internet.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise every available discount in a way that's easy to find, so the following is a list of some of the best known and the more hidden auto insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Early Switch Discount - A few companies offer discounts for signing up prior to your current policy expiring. It's a savings of about 10%.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • New Vehicle Savings - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Clubs and Organizations - Affiliation with a civic or occupational organization could qualify you for a break on your policy.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Driver Safety - Completing a course teaching defensive driving skills can save you 5% or more if you qualify.

Consumers should know that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

Nevada auto insurance

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Does my car insurance cover rental cars?
  • Should I buy only the required Nevada minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?
  • Am I covered when pulling a rental trailer?
  • Am I getting all the discounts available?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

The auto insurance bait and switch

Nevada drivers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm and Allstate. All the ads say the same thing of big savings after switching your policy.

How can each company say the same thing?

All companies have a certain "appetite" for the right customer that earns them a profit. A good example of a preferred risk might be profiled as over the age of 50, a clean driving record, and drives newer vehicles. A propective insured who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money which usually ends up with business not being written. The ad wording is "people who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can confidently claim big savings. That is why you should get as many quotes as possible. It's not possible to predict which company will give you the biggest savings.

Additional Nevada consumer information

More tips and info about auto insurance can be read at the Nevada Division of Insurance website. Nevada drivers can learn about specific coverages, file complaints about a company, file complaints about an insurance agent or broker, and download brochures.

Nevada auto insurance

Best coverage at the best price

In this article, we covered a lot of information how to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from an unexpected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped full coverage and found out when filing a claim that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.