Cheapest Car Insurance Quotes for Uber Drivers in Nevada

I’m sure you’ve seen the catchy commercials from car insurance companies like GEICO, Farmers, and Nationwide guaranteeing big savings. So you just need to choose any one of them, right?

Unfortunately, it’s not that simple as there are a lot of unknowns such as if you have ever let your coverage lapse, the liability limit you need, whether you are a woman or a man, and where you choose to live in Nevada, that all have an effect on the price of a policy. This article will detail the best ways to compare rates and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance in Nevada.

Deciphering which companies quote the best auto insurance rates for Uber drivers involves a little more effort in order to find the lowest price quote. Each company has a different formula for determining prices, so let’s rank the auto insurance companies that tend to be cheaper in Nevada.

We do need to point out that Nevada auto insurance rates are determined by lots of factors which can substantially decrease or increase your annual premium. Simply having a birthday, buying a different vehicle, or getting a driving violation may generate price changes that can cause some rates to be more affordable than the competition.

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Travelers generally has some of the lowest car insurance rates in Nevada at around $903 each year. Allied, Capital, Oregon Mutual, and Progressive also make the cut as some of the best Nevada insurance companies.

As the rates illustrate above, if you are a customer of Oregon Mutual and switched to Travelers, you might realize an annual savings of in the neighborhood of $255. Drivers with Progressive could save as much as $299 a year, and GEICO customers might reduce rates by $316 a year.

To get a quick, customized rate comparison, click here to get quotes or click several companies below for low rates.

Bear in mind that those prices are averaged across all types of insureds and vehicles and are not factoring in a price decrease for Uber drivers. So the car insurance company that is best suited for you may not even be in the list of companies above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The car, truck, or SUV needing coverage is one of the largest considerations when shopping for the cheapest auto insurance for Uber drivers in Nevada. Vehicles with average performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models. The next list ranks coverage costs for a selection of the most economical vehicles to insure.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can decrease or increase premiums substantially.

Looking at the rates, you can assume that cars like the Honda CR-V, Hyundai Elantra, Subaru Forester, Toyota Prius, and Dodge Grand Caravan will be some of the less-costly vehicles to insure for Uber vehicles.

Choosing a highly-rated car insurance company is difficult considering how many companies there are in Nevada. The ranking data below can help you select which insurers to look at when shopping insurance around for Uber drivers. The ratings below only include companies that write coverage in many states, so smaller companies that only insure vehicles in Nevada will not be included in these rankings.

Top 10 Major Auto Insurers Overall in Nevada

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

How to get discounts on Nevada car insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-uber-drivers-nv.jpg" alt="Cheaper Nevada auto insurance for Uber vehicles” />Auto insurance companies that offer the cheapest auto insurance for Uber drivers in Nevada may also provide rate discounts that can reduce rates by 35% or more if you meet specific eligibility requirements. The best auto insurance companies and some of their more popular discounts are included below.

• State Farm has discounts for good student, anti-theft, Drive Safe & Save, passive restraint, and multiple autos.
• GEICO may offer discounts for driver training, anti-lock brakes, seat belt use, multi-policy, and military active duty.
• Liberty Mutual includes discounts for teen driver discount, exclusive group savings, new graduate, new move discount, and newly retired.
• The Hartford offers premium reductions for air bag, bundle, driver training, good student, vehicle fuel type, defensive driver, and anti-theft.
• MetLife has savings for good driver, good student, multi-policy, accident-free, claim-free, and defensive driver.
• Progressive offers discounts including homeowner, online quote discount, multi-policy, multi-vehicle, good student, online signing, and continuous coverage.

The example below illustrates the difference between annual premium costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no violations or accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, passive restraint, marriage, claim-free, multiple vehicle, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the amount saved on auto insurance for Uber drivers is 28% or $383.

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How to find the cheapest auto insurance for Uber drivers in Nevada

It is possible to find better rates, and here are many penny-pinching ideas that can help you get the cheapest coverage.

• Pay for smaller claims out-of-pocket
• Buying car and homeowners insurance together can save money
• Safe vehicles generally have lower rates
• Save money by insuring older vehicles for liability only
• Do not get traffic tickets
• Accidents can significantly increase rates
• Keep rates low by comparing prices once a year

That last tip is notably valuable, as was pointed out in the prior information. Prices charged by car insurance companies in Nevada fluctuate constantly, so you should be ready to buy from a different company if a more affordable rate is found.

Having brand loyalty is commendable, but it’s not recommended if it’s costing you hundreds every year. Take a couple minutes and shop around to find cheaper insurance for Uber drivers.

Who has the cheapest insurance quotes for Uber vehicles?

There are a variety of different ways to quote and buy auto insurance in Nevada, but the most frequently used are from an independent insurance agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or from a direct company like Geico. All three ways can provide auto insurance quotes, but auto insurance buyers need to understand the differences in how they give price quotes.

Independent insurance agents can place your business with multiple companies and can do rate comparisons with all of them. These types of agencies are able to give you a larger rate selection, which may give you a better overall rate comparison. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.

An exclusive ageny is only able to write business for just one company, two examples are Farmers Insurance or State Farm agents. These agents are unable to quote prices from more than a single company, so you will not be able to compare their rates to other companies.

The final way is buying direct, which means you do not use local insurance agents and instead buy direct either online or via phone. Buying auto insurance direct may be a decent choice people who have an average risk profile and have a good understanding of the exclusions of a policy.

When shopping for auto insurance, which way works best for finding the cheapest auto insurance for Uber drivers in Nevada? We’d like to say buying direct saves money because there are no middleman commissions, but that does not always hold true. And we’d like to say using an independent agent results in the best rates because they can quote many companies, but again, it’s not a sure thing. In the right set of circumstances, the exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Since auto insurance rates vary so much, really the only way to buy the cheapest policy is to get quotes and compare. Experts recommend getting prices from all three in order to have enough rates to compare. A great place to start is our list of online companies offering discounts: click here to view.