One of the many factors that aid in calculating the amount you pay for auto insurance is where you live in Sun Valley. Cities with larger populations tend to have higher auto insurance costs, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The next table sorts the most expensive places in Nevada in which to buy car insurance. Sun Valley comes in at #12 with an annual rate of $1,305 for the average policyholder, which is approximately $109 per month.
|Rank||City||Average Per Year|
|7||North Las Vegas||$1,826|
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Information shown are approximated as the specific geographic location can change rates noticeably.
Now that we understand where Sun Valley ranks based on price, finding out which company has the lowest-priced auto insurance rates in Sun Valley will take a tad more effort in order to find the best policy. Each insurance company uses a little different formula for establishing rates, so let's look at the rankings for the most affordable auto insurance companies in Sun Valley, NV.
It's important that you understand Sun Valley auto insurance rates are impacted by many factors which can substantially change the price you pay. Simply getting older, marrying your spouse, or getting a driving violation may prompt premium changes that may make certain companies cheaper than others.
Find the Cheapest Car Insurance in Sun Valley
Travelers may offer some of the lowest car insurance rates in Sun Valley at around $903 a year. Allied, Capital, Oregon Mutual, and Progressive also are some of the lowest-priced Sun Valley, NV car insurance companies.
As shown in the rates above, if you are insured with Oregon Mutual and switched to Travelers, you might achieve an annual premium reduction of about $255. Policyholders with Progressive may save as much as $287 a year, and American Family insureds might cut rates by $315 a year.
It's important to note that these premium estimates are averages across all insureds and vehicles and are not factoring in a specific location in Sun Valley. So the insurer that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The vehicle model you are buying coverage for is one of the biggest factors that determines whether or not you find low-cost coverage in Sun Valley. Vehicles with lower acceleration and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The list below illustrates coverage rates for some of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$961|
|Dodge Grand Caravan SE||$1,052|
|Ford Escape XLT 2WD||$1,064|
|Ford Explorer Eddie Bauer AWD||$1,133|
|Toyota Tacoma Double Cab 4WD||$1,143|
|Volkswagen Jetta S 2.5 Station Wagon||$1,157|
|Toyota Corolla S||$1,166|
|Jeep Grand Cherokee Limited 4WD||$1,190|
|Kia Optima LX||$1,200|
|Chevrolet Silverado LT Crew Cab 4WD||$1,190|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$1,212|
|Honda Civic GX 4-Dr Sedan||$1,224|
|Hyundai Sonata SE 4-Dr Sedan||$1,248|
|Chevrolet Equinox LT AWD||$1,260|
|Chevrolet Impala LT||$1,266|
|Toyota RAV4 Sport 4WD||$1,260|
|Toyota Camry Hybrid||$1,272|
|Chevrolet Malibu LT||$1,286|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,293|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,298|
|Hyundai Elantra Blue 4-Dr Sedan||$1,307|
|Ford Focus SEL 4-Dr Sedan||$1,317|
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can affect premium rates noticeably.
Looking at the rates, you can assume that makes and models like the Honda CR-V, Toyota Prius, Dodge Grand Caravan, and Ford Escape are likely to be a few of the most budget-friendly vehicles to insure for drivers in Sun Valley.
Discount Sun Valley insurance
Insurers that provide coverage in Sun Valley may also give you price discounts that could lower prices by 35% or more if you meet specific eligibility requirements. Large insurance companies and their offered discounts can be found below.
- AAA offers premium reductions for multi-car, AAA membership discount, multi-policy, good driver, and good student.
- Progressive offers discounts for multi-vehicle, online quote discount, good student, multi-policy, homeowner, online signing, and continuous coverage.
- State Farm discounts include passive restraint, good student, good driver, multiple policy, anti-theft, and accident-free.
- Esurance has discounts for Pac-12 alumni, online quote, safety device, anti-theft, multi-car, good driver, and anti-lock brakes.
- Nationwide may include discounts for good student, business or organization, defensive driving, multi-policy, accident-free, easy pay, and Farm Bureau membership.
The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. Data assumes a female driver, no claims, a clean driving record, Nevada state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, multiple vehicle, anti-theft, marriage, claim-free, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on insurance in Sun Valley is 27% or $424.
The illustration below demonstrates how deductibles can raise or lower insurance costs when researching cheap insurance in Sun Valley. The rates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower their car insurance rates by $332 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $500 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, can cut $704 annually by choosing a larger deductible amount.
When raising deductibles, it will be 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.