Comparing rates for affordable car insurance is not most people's favorite thing to do, and finding out which company has the most affordable car insurance rates in Gardnerville Ranchos calls for even more diligence. Every car insurance company uses a slightly different approach for setting rates, so let's begin by examining the car insurance companies that tend to have lower prices in Nevada.
It's important that you understand Nevada car insurance rates are determined by lots of factors that can increase the cost of having a policy. Things like getting older, buying a new vehicle, or having an at-fault accident may generate price changes that can now make some companies higher when they were quite affordable.
|Rank||Company||Cost Per Year|
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Allied quotes some of the most affordable car insurance rates in Gardnerville Ranchos at around $921 each year. This is $653 less than the average policy premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family are also some of the lowest-priced Gardnerville Ranchos, NV car insurance companies.
As shown in the table above, if you currently have a policy with Travelers and switched to Allied, you may realize an annual savings of roughly $9. Customers with Capital could save as much as $57 a year, and Oregon Mutual customers might reduce rates by $237 a year.
Understand that those estimates are averages across all drivers and vehicles in Nevada and do not take into consideration a specific vehicle garaging location in Gardnerville Ranchos. So the auto insurance company that can offer you the lowest price may not even be in the list above. That emphasizes why you need to compare as many prices as possible using your own specific driver and vehicle information.
For drivers in Gardnerville Ranchos, one of the largest factors that are used to help calculate the amount you pay for auto insurance is where your car is garaged. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas that tend to be more rural have the luxury of lower rates.
The information below sorts the highest-priced areas in Nevada to purchase a policy in. Gardnerville Ranchos ranks #17 with a yearly premium of $1,150 for car insurance, which is around $96 monthly.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,844|
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Price information shown is estimated as the vehicle garaging location can affect prices noticeably.
The vehicle model to be insured is one of the largest factors when looking for the most economical auto insurance in Gardnerville Ranchos. Vehicles with lower performance, modern passenger safety features, or low incidents of liability claims will cost much less to insure than higher performance models. The next table presents insurance premiums for a selection of the most economical automobiles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$986|
|Honda Accord LX 4-Dr Sedan||$994|
|Ford F-150 XL Crew Cab 2WD||$1,008|
|Ford Escape XLT 4WD||$1,010|
|Honda CR-V EX 4WD||$1,044|
|Chevrolet Equinox LS 2WD||$1,065|
|Volkswagen Jetta S 2.5 Station Wagon||$1,074|
|Ford Explorer Eddie Bauer AWD||$1,087|
|Chevrolet Impala LTZ||$1,123|
|Toyota Tacoma X-Runner 2WD||$1,130|
|Kia Optima LX||$1,142|
|Nissan Rogue SL 2WD||$1,149|
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in zip code location which can modify coverage rates noticeably.
Based upon the rates shown, we can assume that models like the Hyundai Elantra, Honda Accord, Toyota Prius, and Ford F-150 will be a few of the cheaper vehicles to insure for drivers in Gardnerville Ranchos.
Get discounts on Gardnerville Ranchos auto insurance
Car insurance companies that sell policies in Gardnerville Ranchos may also provide rate discounts that may potentially lower prices by as much as 40% or more if you are eligible for them. The best insurance companies and their possible discounts are detailed below.
- Progressive may include discounts for online signing, multi-vehicle, good student, homeowner, continuous coverage, online quote discount, and multi-policy.
- Farmers Insurance may have discounts that include mature driver, alternative fuel, pay in full, business and professional, early shopping, and homeowner.
- Farm Bureau has savings for 55 and retired, youthful driver, good student, driver training, renewal discount, and multi-vehicle.
- State Farm has discounts for passive restraint, good student, defensive driving training, student away at school, safe vehicle, Drive Safe & Save, and driver's education.
- GEICO offers discounts for driver training, defensive driver, membership and employees, air bags, and five-year accident-free.
- SAFECO offers discounts including safe driver, teen safety rewards, bundle discounts, accident prevention training, multi-car, teen safe driver, and anti-theft.
- Liberty Mutual discounts include new vehicle discount, safety features, teen driver discount, exclusive group savings, new move discount, and newly retired.
The illustration below illustrates the difference between premium costs with and without discounts being applied to the rates. The data assumes a male driver, no claims or driving violations, Nevada state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, vehicle safety, accident-free, homeowner, passive restraint, and multiple policy discounts applied. When drivers qualify for the discounts, the average savings per year on insurance in Gardnerville Ranchos is 28% or $484.
Insurance rates are higher with tickets and accidents
One of the best ways to enjoy the most affordable insurance rates for drivers in Gardnerville Ranchos is to drive attentively and avoid getting tickets or having accidents. The illustration below illustrates how violations and fender-benders influence insurance rates for different age groups. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Nevada per year with no accidents and a clean driving record is $1,677. Get written up for one speeding ticket and the average cost hikes up to $1,899, an increase of $222 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance in Gardnerville Ranchos goes up to an average of $3,770. That's an increase of $2,093, or $174 per month, just for not driving attentively!
How to find more affordable insurance in Gardnerville Ranchos
The list below summarizes a few money-saving suggestions that can help Gardnerville Ranchos drivers get low-cost car insurance.
- Pay lower rates with good credit
- Safer vehicles generally have cheaper insurance rates
- Do not insure for full coverage
- Do not get into accidents
- Drive safely
- Increase your physical damage deductibles
- Keep rates low by comparing prices once a year
The last idea is especially valuable, as was affirmed in this piece. Rates vary greatly, so don't be afraid to switch to a new company if a better rate can be found.
Having a favorite company is great, but it isn't a good idea if that dedication is costing money that could be spent on other things. Now is a great time to compare prices and find cheaper auto insurance in Gardnerville Ranchos.