How Much Does Car Insurance Cost for Teenage Females in Nevada?

I’m sure you’ve seen the catchy commercials from insurers like Farmers and The General that say if you switch you’ll get huge savings. So drivers just need to pick the one with the catchiest commercial, right?

Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects such as deductible levels for physical damage coverage, your gender, whether you commute to work, and whether you have good credit. This article goes into detail about some of these topics and will hopefully give you a good beginning to your search for cheaper coverage.

The cost and performance of the vehicle you are insuring is one of the largest considerations in finding cheap auto insurance for teenage females in Nevada. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The lists below presents insurance prices for a handful of the cheaper vehicles to buy coverage for.

Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location which can increase or decrease insurance rates substantially.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can impact rates noticeably.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in zip code location which can modify prices considerably.

Comparing quotes for budget auto insurance is easier said than done, and finding out which company offers the cheapest auto insurance rates for teenage females will involve even more shopping around. Coverage prices will probably be significantly more expensive than the average price in Nevada because of the added risk associated with selling coverage for teen girls, but competitive insurance may be possible if you look hard enough.

Each company has a unique approach for setting prices, so we’ll go over the lowest cost auto insurance companies in Nevada. It’s a good idea to know that Nevada auto insurance rates are based on many factors that will increase or decrease the price you pay. Simply turning a year older, filing a claim, or getting a speeding ticket can trigger rate changes resulting in some rates now being cheaper than before.

Best Insurance Companies for Teens

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Travelers offers some of the best car insurance rates in Nevada at around $930 a year. Allied, Capital, American Family, and Oregon Mutual also qualify as some of the cheapest Nevada car insurance companies.

As illustrated above, if you currently have a policy with American Family and switched to Travelers, you might realize yearly savings of upwards of $252. Policyholders with Oregon Mutual could save as much as $263 a year, and Progressive insureds might reduce rates by $272 a year.

Understand that those prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a rate increase for teenage females. So the car insurance company that fits you best may not even be shown in the chart above. That emphasizes why you need to compare as many prices as possible using your own specific driver information and vehicle.

Discounts on cheap auto insurance for teenage females in Nevada

Insurers that offer quotes for teenage females could also offer special discounts that can reduce rates by as much as 25% or more if you meet eligibility requirements. Larger auto insurance companies and some of the discounts are outlined below.

• State Farm may offer discounts for defensive driving training, multiple policy, multiple autos, Drive Safe & Save, accident-free, driver’s education, and passive restraint.
• Nationwide has savings for easy pay, family plan, business or organization, defensive driving, and good student.
• GEICO discounts include air bags, emergency military deployment, daytime running lights, seat belt use, defensive driver, and anti-theft.
• AAA includes discounts for multi-policy, pay-in-full, anti-theft, good driver, multi-car, and good student.
• 21st Century offers premium reductions for good student, air bags, defensive driver, student driver, and anti-lock brakes.
• The Hartford has discounts for defensive driver, good student, vehicle fuel type, driver training, air bag, bundle, and anti-theft.

The diagram below illustrates the difference between insurance rates with and without discounts applied to the policy premium. The premiums are based on a male driver, no violations or claims, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, paid-in-full, anti-theft, continuous coverage, vehicle safety, and passive restraint discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for teenage females is 28% or $623.

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Drive safe and save

The easiest way to earn cheap auto insurance for teenage females in Nevada is to drive cautiously and avoid accidents and violations. The example below shows how traffic citations and at-fault claims raise insurance costs for each different age group. The premium estimates are based on a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3027,3605,4183],[‘Age 30’, 1575,2153,2733],[‘Age 40’, 1561,2141,2719],[‘Age 50’, 1417,1997,2577],[‘Age 60’, 1369,1949,2529],[‘Age 70’, 1659,2237,2817]]);var options = {title: ‘Impact of Violations and Accidents on Nevada Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Nevada’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of car insurance per year with no accidents and a clean driving record is $1,768. Get two speeding tickets and the average cost jumps to $2,347, an increase of $579 each year. Now get one accident along with the two speeding tickets and the annual cost of auto insurance for teenage females jumps again to an average of $2,926. That’s an increase of $1,158, or $97 per month, just for not maintaining a clean driving record!

How to find the cheapest car insurance for teenage females

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help drivers get low-cost car insurance.

• Bundle home or renters insurance to earn a discount on car insurance
• Too many claims can make car insurance unaffordable
• Higher deductibles save money
• Improve your credit rating
• Older vehicles may not need full coverage
• Lower rates by purchasing a safer vehicle
• Compare rates once a year for cheaper prices

That last idea is extremely important, as was discussed in this article. Prices charged by car insurance companies go up and down frequently, so drivers shouldn’t be reluctant to buy from a new company if a lower price can be found. Having a favorite company is fine, but it’s not a good idea if that devotedness results in you overpaying big bucks every year. Take a couple minutes and shop around and find cheaper insurance for teenage females.