For drivers in Sparks, one of the more important criteria that are looked at to determine the cost of insurance is where you live in Sparks. Areas with increased crime or more people will most likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The next table lists the most costly cities in Nevada in which to purchase auto insurance. Sparks is listed at #12 having an annual price of $1,304 for car insurance, which is about $109 per month.
|Rank||City||Premium Per Year|
|7||North Las Vegas||$1,844|
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Price information shown is approximated as the specific area where the vehicle is garaged can increase or decrease premiums considerably.
Now that we understand where Sparks ranks price-wise, deciphering which companies offer the cheapest insurance rates in Sparks involves a bit more effort in order to find the lowest price. Every insurance company has their own formula to set policy rates, so we will examine the most budget-friendly insurance companies in Nevada.
We do need to point out that Sparks, NV insurance rates are impacted by many things that will increase or decrease the cost of coverage. Improving your credit score, buying a new vehicle, or getting a ticket for running a stop sign may prompt premium changes that may make certain companies more affordable than the competition.
Find the Cheapest Auto Insurance in Sparks
|Rank||Company||Cost Per Year|
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Travelers generally has some of the most affordable car insurance rates in Sparks at around $912 per year. This is $662 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Progressive, and Oregon Mutual also make the cut as some of the lowest-priced Sparks, NV insurance companies.
As shown in the rates above, if you currently have a policy with Progressive and switched to Allied, you may see savings of around $251. Customers with Oregon Mutual may save as much as $254 a year, and American Family customers might reduce prices by as much as $291 a year.
To see if you're overpaying, click here to start a quote or click several companies below for low rates.
These rates are averaged across all drivers and vehicles in Nevada and and are not figured with a specific zip code in Sparks. So the insurer that can offer you the best price may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
The vehicle you are insuring is a large consideration when consumers are trying to find the most economical car insurance in Sparks. Vehicles with limited speed and performance, good safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The information below shows coverage costs for a selection of the more afforable vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,172|
|Ford Escape XLT 4WD||$1,199|
|Honda CR-V EX-L 2WD||$1,308|
|Ford Focus SE 4-Dr Sedan||$1,360|
|Ford Edge SEL 2WD||$1,369|
|Ford Explorer XLT 2WD||$1,433|
|Toyota Tacoma X-Runner 2WD||$1,460|
|Kia Optima LX||$1,484|
|GMC Sierra SL Crew Cab 2WD||$1,491|
|Honda Odyssey EX||$1,486|
|Ford F-150 XL Regular Cab 4WD||$1,489|
|Chevrolet Malibu LS||$1,516|
|Volkswagen Jetta LE 4-Dr Sedan||$1,525|
|GMC Sierra 2500HD SLT Extended Cab 4WD||$1,559|
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates substantially.
Based upon these rates, you can figure that makes and models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Ford Focus will be the cheaper vehicles to insure for drivers in Sparks.
The information below shows how choosing a deductible can change annual premium costs when researching cheap insurance in Sparks. The premiums assume a single male driver, full physical damage coverage, and no discounts are applied.
A 40-year-old driver could lower their car insurance rates by $254 a year by changing from a $100 deductible up to a $500 deductible, or save $382 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, could reduce their rates as much as $830 annually by choosing a higher deductible. If you make the decision to raise deductibles, it is necessary to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Ideas for finding low-cost insurance in Sparks
The list below summarizes many penny-pinching ideas that can help drivers quote lower-cost auto insurance.
- Increase the comprehensive and collision deductibles on your policy
- Better credit scores save money
- Home or renters coverage can save on auto insurance
- Earn a discount by not filing claims
- If your vehicles are older, consider dropping full coverage
- Buy vehicles with good safety ratings
- Shop around for cheaper rates regularly
The final tip is very valuable, as was emphasized in this piece. Insurance rates adjust often, so drivers shouldn't be resistant to switch companies if a cheaper rate is available.
Staying with the same company for years is fine, but we do not recommend it if your bullheadedness ends up costing you a lot of money. It only takes a couple minutes to compare rates and find cheaper insurance in Sparks.