Shopping for the lowest cost quotes on the web can seem to be impossible for consumers that are not comfortable with quoting and buying their auto insurance on the web. With such a big selection of agents and companies competing online, how can anyone be able to compare every one to find the cheapest rates?

Unbelievable but true according to a study nearly 70% of customers have remained with the same auto insurance company for at least the last four years, and just under half have never quoted rates to find cheaper coverage. Many consumers in the U.S. could save roughly 46.5% each year by just comparing rate quotes, but they underestimate the actual amount they would save if they bought a different policy.

When comparing insurance rates, know that making a lot of price comparisons increases the chance that you will find more affordable insurance. Some insurance companies are not set up to provide price estimates online, so you also need to get quotes from the smaller companies as well.

The providers in the list below offer free quotes in Sparks, NV. If several companies are displayed, it's highly recommended you visit as many as you can to get the best price comparison.

Insurance Rates for Popular Vehicles in Sparks
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $1,274 $637 $106
Dodge Ram Crew Cab ST 2WD $1,142 $571 $95
Ford Escape XLT 4WD $808 $404 $67
Ford F-150 SVT Raptor Super Cab 4WD $830 $415 $69
Ford Focus SE 4-Dr Sedan $908 $454 $76
Ford Fusion SE 4-Dr Sedan $1,184 $592 $99
GMC Sierra Denali Crew Cab 4WD $1,100 $550 $92
Honda Accord LX 4-Dr Sedan $688 $344 $57
Honda CR-V EX-L 2WD $1,150 $575 $96
Honda Civic GX 4-Dr Sedan $908 $454 $76
Honda Odyssey EX-L $1,306 $653 $109
Nissan Altima 2.5 S 4-Dr Sedan $1,022 $511 $85
Toyota Camry LE $912 $456 $76
Toyota Corolla XLE $994 $497 $83
Toyota RAV4 Sport 2WD $816 $408 $68
Toyota Tacoma Double Cab 4WD $816 $408 $68
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific location which can raise or lower auto insurance rates significantly.

Deductible comparison

A question often asked by Sparks drivers is how high should your deductibles be. The following insurance rates summarize how much more rates are when you buy lower versus higher insurance deductibles. The first rate estimation uses a $250 deductible and the second price table uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Focus SE 4-Dr Sedan $208 $402 $308 $18 $92 $1,053 $88
Focus SEL 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Focus SES 4-Dr Sedan $208 $472 $308 $18 $92 $1,123 $94
Focus SE 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
Focus SES 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
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Ford Focus insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $128 $252 $308 $18 $92 $798 $67
Focus SE 4-Dr Sedan $128 $252 $308 $18 $92 $798 $67
Focus SEL 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Focus SES 4-Dr Sedan $128 $298 $308 $18 $92 $844 $70
Focus SE 2-Dr Coupe $148 $298 $348 $20 $104 $918 $77
Focus SES 2-Dr Coupe $148 $298 $348 $20 $104 $918 $77
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can affect prices noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $23 more each month or $276 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 33 months between claim filings, you would more than likely save some money if you choose the higher deductible. Below is a better example of how we made this calculation.

Average monthly premium for $250 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): - $71
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One big caveat is that higher deductibles means you will have to pay more of your own money when you have a comprehensive or collision claim. That will require enough disposable savings in the event you have to pay the deductible to have repairs made.

Tailor your car insurance coverage to you

When it comes to a policy for your personal vehicles, there really is not a perfect coverage plan. Your situation is unique.Safe vehicles cost less to insure

For instance, these questions may help you determine if you might need an agent's assistance.

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Vehicle claim statistics

Which vehicles rank well for chances of having claims? The following tables show the worst and best cars and trucks for overall likelihood of having large claims.

Lowest and Highest Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 BMW M6
Nissan Xterra BMW M6
Smart ForTwo Bentley Continental GT
Infiniti QX50 Bentley Continental GTC
Chevy Silverado 2500 Audi S7
Nissan Leaf Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Chrysler 200
Chevrolet Silverado 3500 Kia Forte
Land Rover Range Rover Sport Nissan Versa
Audi A4 Allroad Dodge Charger
Ford F-250 SuperCrew Chevrolet Sonic
Ford F-350 SuperCrew Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab Maserati Ghibli
Nissan Xterra Bently Continental GTC
Jeep Wrangler BMW 6 Series
GMC Canyon BMW M6
Mini Cooper Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Fiat 500 Hyndai Accent
Volvo XC60 Dodge Charger
Chevrolet Corvette Kia Rio
Subaru Outback Chevrolet Sonic
Mercedes-Benz SL Class Chevrolet Impala
Subaru Forester Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years