Who Has Cheap Auto Insurance for High Mileage Drivers in Nevada?

The vehicle needing coverage is a large consideration that determines whether or not you can buy cheap auto insurance for high mileage drivers in Nevada. Vehicles with high performance, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than more modest models. The tables below showcases car insurance costs for a handful of the cheapest vehicles to buy coverage for.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can influence insurance rates considerably.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific location which can modify auto insurance rates greatly.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Price information does not factor in Nevada location which can raise or lower coverage rates noticeably.

Finding out which company has the best insurance rates for high mileage drivers will require a little more effort in order to find coverage that fits your buget. Each auto insurer uses a little different formula for setting rates, so to begin we’ll rank the most budget-friendly insurance companies in Nevada.

It’s a good idea to know that Nevada insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Simply improving your credit, filing a claim, or getting a couple of tickets may prompt premium changes that can now make some companies cheaper than competitors.

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Travelers normally has some of the most affordable car insurance rates in Nevada at around $903 per year. Allied, Capital, Oregon Mutual, and American Family are also some of the best Nevada auto insurance companies.

As shown above, if you currently buy coverage from Oregon Mutual and switched to Allied, you might see yearly savings of in the neighborhood of $209. Insureds with American Family might save as much as $245 a year, and Progressive policyholders might realize rate reductions of up to $253 a year.

To find out how your current rates compare, click here or feel free to get quotes from the companies below.

Remember that these premiums are averaged for all types of insureds and vehicles and and are not figured with a rate discount for high mileage drivers. So the insurer that fits your situation best may not even be featured in the rate chart shown above. That’s why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

When shopping for the cheapest insurance for high mileage drivers, one of the many components that play a part in determining the amount you pay each year for auto insurance is where you choose to live. Areas with a lot of weather claims or more people like Winchester, Spring Valley, and Las Vegas tend to pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The next table rates the most costly cities in Nevada for high mileage drivers to buy car insurance in.

Premium costs are estimated as the specific geographic location can increase or decrease coverage prices substantially.

The diagram below illustrates how your deductible choice can influence insurance premiums when researching cheap insurance for high mileage drivers. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

In the chart above, a 30-year-old driver could pocket $280 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $424 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, could drop their prices up to $620 annually just by choosing higher deductibles.

When raising deductibles, it is important to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Company comparison: Allstate vs State Farm vs Geico vs Progressive

If you want reliable auto insurance for high mileage drivers in Nevada, some of the largest companies to start with are Allstate, State Farm, Geico, and Progressive. Between them, they make up over 45% of all vehicles in the U.S.. The table below shows price, claims, and customer service ratings, as well as some optional coverages offered by each company.

Who has the cheapest insurance quotes for high mileage drivers?

Thanks to the internet, there are a lot of ways to compare cheaper insurance rates in Nevada, but the most preferred ways are through an exclusive insurance agent such as Liberty Mutual or Allstate, an independent insurance agent, or buying direct from a company like Geico or Progressive. All three ways are similar, but shoppers should understand the differences in how they give price quotes.

Independent agents have contracts with many companies and can quote your policy with each one. Agents of this type do not work for one specific company and can quote rates with many companies, which can help you get the best chance of saving money. If cheaper coverage is found, your policy can be moved without having to get a different agent.

A captive, or exclusive, agent is ‘exlusive’ to one insurance company like State Farm and Auto-Owners agents. This type of agents cannot provide multiple price quotes, which does not give you the best rate comparison.

Opting to purchase insurance direct means you skip either of the other two types of agents and instead buy from a direct company like Progressive. This insurance option may be good for people who have an average risk profile and have a decent understanding of what coverage options they need.

So which of those three methods works best to buy cheap auto insurance for high mileage drivers in Nevada? We’d like to say buying from a direct company results in the cheapest price since that prevents the need to pay agent commissions, but unfortunately, it’s not that simple. It could also be said going through an independent agent results in the cheapest rates since they have more companies to choose from, but that assumption is not true either. In a lot of cases, exclusive agents have price quotes that are impossible to beat.

Because it’s impossible to say who has the best insurance rates, the best method to not overpay for insurance is to get quotes and compare. To find the best rates, be sure to get rate quotes from all three to have the best selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.