Cutting costs on insurance could be nearly impossible for beginners to quoting coverage prices online. With so many companies competing online, it can turn into a chore to find the lowest price on insurance.

Shockingly, the vast majority of Nevada insurance customers have bought insurance from the same company for at least the last four years, and about 40% of consumers have never taken the time to shop around. American insurance shoppers could save themselves $859 a year, but most just don't grasp the actual amount they would save if they just switched companies.

Consumers should take time to quote other rates before your next renewal since insurance prices change quite often. Despite the fact that you may have had the lowest quotes on insurance two years ago you can probably find a better rate now. Ignore everything you know about insurance because I'm going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

How to get low cost insurance in Fernley

Most major insurance companies like Allstate and Progressive allow consumers to get prices online. This process is pretty easy as you simply enter the coverage amounts you desire as detailed in the form. After you complete the form, their system automatically retrieves your driving and credit reports and generates a price.

Getting online rates simplifies rate comparisons, and it is imperative to have as many quotes as possible if you are searching for cheap insurance pricing.

To compare rates now, compare quotes from the companies shown below. To compare your current rates, we recommend you duplicate the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get comparison quotes for the exact same coverage.

The auto insurance companies shown below are our best choices to provide price quotes in Nevada. If more than one company is shown, it's highly recommended you click on several of them in order to find the cheapest rates.

Insurance Costs for Popular Vehicles in Fernley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 4WD $1,036 $518 $86
Dodge Ram Crew Cab SLT 2WD $1,190 $595 $99
Ford Edge Limited AWD $876 $438 $73
Ford Escape XLS 4WD $920 $460 $77
Ford Explorer Limited 2WD $1,232 $616 $103
Ford F-150 XL Regular Cab 4WD $764 $382 $64
Ford Focus SE 2-Dr Coupe $1,046 $523 $87
Ford Fusion Hybrid 4-Dr Sedan $1,488 $744 $124
GMC Sierra SLT Crew Cab 2WD $1,052 $526 $88
Honda Accord LX 4-Dr Sedan $900 $450 $75
Honda CR-V EX 2WD $764 $382 $64
Honda Civic SI 2-Dr Coupe $1,072 $536 $89
Honda Odyssey EX-L W/Navigation $1,246 $623 $104
Hyundai Elantra GLS Touring Station Wagon $1,012 $506 $84
Kia Optima EX $1,166 $583 $97
Nissan Altima 3.5 SR 4-Dr Sedan $1,326 $663 $111
Toyota Camry LE $972 $486 $81
Toyota Corolla XLE $1,306 $653 $109
Toyota RAV4 Limited 2WD $718 $359 $60
Toyota Tacoma 4WD $984 $492 $82
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in your specific Fernley location which can impact auto insurance rates substantially.

Auto insurance deductibles

One frequently asked question is at what level do you set your deductibles. The figures shown below highlight the differences in premium rates when you select higher and lower deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $232 $394 $308 $18 $92 $1,069 $89
Acadia SL AWD $266 $394 $308 $18 $92 $1,103 $92
Acadia SLE 2WD $266 $394 $308 $18 $92 $1,103 $92
Acadia SLE AWD $266 $478 $308 $18 $92 $1,187 $99
Acadia SLT 2WD $266 $478 $308 $18 $92 $1,187 $99
Acadia SLT AWD $300 $478 $308 $18 $92 $1,221 $102
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GMC Acadia insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $128 $208 $308 $18 $92 $754 $63
Acadia SL AWD $148 $208 $308 $18 $92 $774 $65
Acadia SLE 2WD $148 $208 $308 $18 $92 $774 $65
Acadia SLE AWD $148 $252 $308 $18 $92 $818 $68
Acadia SLT 2WD $148 $252 $308 $18 $92 $818 $68
Acadia SLT AWD $166 $252 $308 $18 $92 $836 $70
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific garaging location which can change rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $29 more each month or $348 for a full year than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 31 months between claim filings, you would save more money going with the higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $96
Average monthly premium for $1,000 deductibles (subtract): - $67
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

An important thing to remember is that a higher deductible means you will have to pay more when you have a comprehensive or collision claim. You need to make sure you have a higher level of savings in the event you need to pay the higher deductible in order to repair your vehicle.

Special considerations

Always keep in mind that when comparing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won't apply.Drive safe and save These are some specific questions may help highlight whether your personal situation will benefit from professional help.

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

When should I have guidance from an insurance agent?

Certain consumers still like to sit down with an agent and that is OK! A nice benefit of getting free rate quotes online is that drivers can save money and get cheap insurance quotes and still have a local agent. And buying from local insurance agents is especially important in Fernley.

Insurance agency in FernleyUpon completion of this form (opens in new window), the quote information is transmitted to local insurance agents who will give you bids and help you find cheaper coverage. There is no reason to do any legwork since rate quotes are delivered straight to your inbox. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a rate quote for a specific company, you can always search and find their rate quote page and give them your coverage information.

When looking for a reputable insurance agent or broker, it helps to know the two types of agencies from which to choose. Agencies in Fernley are considered either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent insurance agents do not sell for just one brand so they can quote policies amongst many companies and find the cheapest insurance rates. If you are not satisfied with one company, the agent simply finds a different carrier which makes it simple for you. When comparing insurance prices, you absolutely need to get some free quotes from independent agents to get the most accurate price comparison. Many write coverage with additional companies that you may not be familiar with which can save you money.

Exclusive Insurance Agents

These type of agents have only one company to place business with and some examples include AAA, Allstate, and State Farm. These agents are not able to compare rates from other companies so always compare other rates. Exclusive agents receive extensive training on what they offer and that can be a competitive advantage. Consumers sometimes buy from exclusive agents partially due to high brand loyalty rather than having low rates.

Selecting an insurance agency shouldn't rely on just the quoted price. Here are some questions you might want to ask.

Claim statistics by make and model

Are you driving a vehicle that ranks well for claims? The statistics tables below list the best and worst vehicles for overall likelihood of having claims for each type of coverage.

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Infiniti QX50 BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Chevy Silverado 2500 Audi S7
Nissan Xterra BMW M6
Smart ForTwo Mercedes-Benz S Class
Chevy Spark Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claims Highest Claims
GMC Canyon Maserati Granturismo
Smart ForTwo Ferrari 458
Nissan Xterra Bently Continental GTC
Jeep Wrangler Audi RS7
Mini Cooper Maserati Ghibli
Chevrolet Colorado Nissan GT-R

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Mercedes-Benz SL Class Kia Rio
Volvo XC60 Chevrolet Cruze
Fiat 500 Chevrolet Impala
Acura MDX Chrysler 200
Audi A6 Chevrolet Sonic
Chevrolet Corvette Kia Optima

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claims Highest Claims
Chevrolet Corvette Nissan Versa
Audi A4 Allroad Mitsubishi Mirage
Chevrolet Silverado 3500 Chevrolet Sonic
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 2500 Chevrolet Spark
Tesla Model S Nissan Sentra

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years