It's hard to avoid all the catchy commercials from companies like Liberty Mutual, Farmers, and GEICO that make promises of big savings, so you should just pick the company with the catchiest ad, right?
It's just not that easy, however, as there are a whole bunch of unknown factors like how far you drive each year, your marital status, and whether or not your vehicle has good safety ratings, that all have an effect on the price. The content below covers the best ways to avoid paying too much and will hopefully give you a good start in finding the cheapest car insurance in Nevada.
Finding reliable, cost effective auto insurance is difficult, and finding out which companies quote the lowest-priced car insurance rates for handicapped drivers in Nevada requires even more perseverance. Every insurance provider uses their own method to set policy rates, so we'll go over the most affordable car insurance companies in Nevada.
Cheapest Insurance Rates in Nevada
|Rank||Company||Cost Per Year|
|Quote Your Rates Go|
Travelers may have some of the lowest car insurance rates in Nevada at around $939 annually. This is $635 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also make the cut as some of the lowest-priced Nevada auto insurance companies.
As shown in the table above, if you are insured with Oregon Mutual and switched to Allied, you might realize yearly savings of roughly $233. Drivers with American Family may save as much as $281 a year, and Progressive policyholders might realize rate reductions of up to $289 a year.
To find out how your current rates compare, click here or visit any of the low-priced companies below.
Be aware that those premiums are averaged for all insureds and vehicles and do not take into consideration a rate decrease for handicapped drivers. So the insurer that is best suited for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own individual information.
The vehicle requiring coverage is a significant factor when shopping around for cheap car insurance for handicapped drivers. Vehicles with limited speed and performance, modern passenger safety features, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The information below showcases car insurance rates for a selection of the most economical vehicles to insure in Nevada.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$756|
|Ford Escape XLS 4WD||$761|
|Chevrolet Impala LS||$765|
|Ford Edge SEL 2WD||$770|
|Honda CR-V EX-L 2WD||$773|
|Chevrolet Malibu LS||$780|
|Toyota Camry LE||$789|
|Dodge Ram Quad Cab ST 2WD||$798|
|Toyota Corolla XLE||$821|
|Jeep Grand Cherokee Limited 2WD||$835|
|GMC Sierra SLE Crew Cab 2WD||$843|
|Honda Civic GX 4-Dr Sedan||$861|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$876|
|Nissan Rogue SL AWD||$880|
|Volkswagen Jetta SE 2.5 Station Wagon||$883|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$887|
|Ford F-150 XL Super Cab 2WD||$897|
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can affect premium rates considerably.
Based upon the table data, we can expect cars like the Honda Accord, Ford Escape, and Chevrolet Impala are the cheaper vehicles to insure for drivers with handicaps.
Insuring your vehicle with a good quality car insurance company is hard considering how many companies sell insurance in Nevada. The ranking data displayed below can help you select which car insurance providers you want to consider comparing prices from.
These ratings are for the companies with a significant amount of written premium nationwide, so smaller companies are not taken into consideration for this list. To get rate quotes from these top-rated insurers and more, click here.
Top 10 Large Car Insurance Companies in Nevada Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- 21st Century - 88%
- Liberty Mutual - 88%
- Allstate - 88%
Top 10 Large Car Insurance Companies in Nevada Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Rate comparison of full coverage and liability-only
Saving money when shopping for car insurance is the goal of the majority of people, and one great way to find cheap insurance for handicapped drivers in Nevada is to buy liability only. The illustration below shows the difference between auto insurance rates with full coverage and liability only. The rate quotes are based on no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.
Averaged out for all age groups, comp and collision coverage costs an extra $2,368 per year over having just liability coverage. Many drivers may wonder if full coverage is worth the money. There is no written rule of when to phase out physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's pretend your vehicle's replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If premiums are more than $400 a year for full coverage, then it might be time to buy liability only.
How to find the cheapest car insurance for handicapped drivers in Nevada
It's not impossible to find cheaper rates, and here are many money-saving suggestions that can help Nevada drivers find lower-cost coverage.
- Multi-policy discounts save money
- Avoid accidents
- Avoid getting tickets or violations
- Drive vehicles with five-star safety ratings
- Drop full coverage on older vehicles
- Discounts for being claim-free can be substantial
- Comparison shop at least once a year
The last suggestion is notably crucial, as was affirmed in the prior article. Coverage rates go up and down frequently, so don't be hesitant to switch to a new company if a lower-cost policy is available. We understand brand loyalty, but it isn't a good idea if that faithfulness ends up costing you a fortune every year. It only take a few minutes to shop around and find cheaper auto insurance for handicapped drivers.