Paying for high-priced insurance in Carson City can take a big chunk out of your accounts and force you to tighten up your finances. Doing a price comparison can be a smart way to cut your insurance bill.

Shocking but true, 70% of consumers have been with the same company for more than four years, and just short of a majority have never compared rates with other companies. Many consumers in Nevada could cut their rates by up to $550 a year by just comparing quotes, but they don't know the amount of money they would save if they switch to a new company.

Due to the abundance of online and local companies to choose from, it's nearly impossible to pick the best company.

Finding the cheapest coverage in Carson City is actually not that difficult if you follow our advice. If you have coverage now, you will surely be able to get lower rates using the tips covered below. Although Nevada consumers need to learn the methods companies use to market on the web and apply this information to your search.

Determine discounts on Carson City auto insurance

Companies offering auto insurance do not list every policy discount very clearly, so we break down both the well known as well as some of the hidden savings tricks you should be using when you buy Carson City car insurance online.Discount auto insurance

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

A few companies that may have some of the discounts shown above include:

If you are trying to find low cost Carson City car insurance quotes, ask every prospective company what discounts are available to you. Some discounts might not be available to policyholders in your state.

How to compare free Carson City auto insurance rate quotes

All major auto insurance companies make it easy to get coverage prices on their websites. This process can be done by anyone because you just enter your coverage preferences into the form. When complete, the company's rating system automatically retrieves your driving and credit reports and provides a quote based on these and other factors. This makes it simple to compare prices and it is important to get many rate quotes if you want to find the best rate on auto insurance.

To find out what other companies charge, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you're receiving rate quotes for similar insurance coverage.

The companies shown below are our best choices to provide free quotes in Carson City, NV. If more than one company is shown, it's a good idea that you get price quotes from several of them to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in Carson City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $830 $415 $69
Chevrolet Silverado Crew Cab Hybrid 2WD $1,396 $698 $116
Dodge Grand Caravan SXT $990 $495 $83
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,082 $541 $90
Ford Edge SE AWD $1,044 $522 $87
Ford Escape XLT 2WD $716 $358 $60
Ford Explorer XLT 2WD $888 $444 $74
Ford F-150 STX Super Cab 2WD $1,006 $503 $84
Ford Focus SE 4-Dr Sedan $1,028 $514 $86
Honda Accord EX 2-Dr Coupe $1,376 $688 $115
Honda CR-V EX-L 4WD $1,062 $531 $89
Honda Civic DX 4-Dr Sedan $1,022 $511 $85
Hyundai Sonata GLS 4-Dr Sedan $1,006 $503 $84
Kia Optima SX $1,044 $522 $87
Nissan Altima 3.5 SR 2-Dr Coupe $1,176 $588 $98
Toyota Camry Hybrid $1,518 $759 $127
Toyota Corolla LE $988 $494 $82
Volkswagen Jetta S 4-Dr Sedan $1,202 $601 $100
Get Your Own Custom Quote Go

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in zip code location which can impact coverage rates noticeably.

Rate comparison of male drivers versus female drivers

The information below shows the comparison of car insurance costs for male and female drivers in Carson City. The rate quotes are based on no claims or driving citations, full physical damage coverage, $250 deductibles, drivers are not married, and no policy discounts are applied on a Hyundai Elantra SE.

Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Do I need special coverages?

When quoting and comparing a policy for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.Drive safe and save

For instance, these questions may help highlight if your situation will benefit from professional help.

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, take a second and complete this form.

Neighborhood agents and auto insurance

Many people would rather get advice from a local agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is the fact that drivers can get lower rates and still have a local agent.

Insurance agency in Carson CityOnce you complete this short form, your insurance data is emailed to agents in your area that provide free Carson City car insurance quotes for your coverage. It's much easier because you don't need to find an agent since rate quotes are delivered to your email. Get lower rates without having to waste a lot of time. If you have a need to quote rates from a specific auto insurance provider, you would need to go to their quote page and complete a quote there.

Choosing the best provider should depend on more than just a cheap price quote. The questions below may impact your decision as well.

The difference between Carson City car insurance agents

If you're trying to find a reliable agent, it's important to understand the different types of agencies and how they are slightly different. Carson City agents are either exclusive or independent.

Exclusive Insurance Agents

Agents that elect to be exclusive can usually just insure with one company and some examples include State Farm, Allstate, and Farm Bureau. These agents are not able to compare other company's rates so they have to upsell other benefits. Exclusive agents are usually well trained on their company's products and that enables them to sell even at higher rates.

Independent Agents (or Brokers)

Independent agents are appointed with more than one company and that is an advantage because they can write policies through many companies and possibly get better coverage at lower prices. If prices rise, your policy is moved internally without you having to go to a different agency.

If you are trying to find cheaper rates, you absolutely need to compare quotes from several independent agencies to get the most accurate price comparison.

Auto insurance claim information

Which vehicle models have severe claims? The statistics below list the highest and lowest makes and models for the overall chance of filing claims.

Auto Insurance Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Kia Forte
Chevrolet Corvette Mitsubishi Lancer
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Chevrolet Spark
Chevrolet Silverado 3500 Hyundai Accent
Audi A4 Allroad Nissan Versa

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo Maserati Granturismo
Chevy Silverado 2500 Bentley Continental GTC
Ford F-350 Maserati Quattroporte
Volvo V60 Audi S7
Infiniti QX50 Mercedes-Benz S Class

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Mini Cooper Maserati Ghibli
Ford F-250 SuperCab Nissan GT-R
Nissan Xterra Bently Continental GTC
Ford F-150 SuperCrew Ferrari 458
Jeep Wrangler BMW M6
Smart ForTwo Bently Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Auto Insurance Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Audi A6 Dodge Charger
Volvo XC60 Kia Optima
Mercedes-Benz SL Class Kia Rio
Subaru Outback Chevrolet Sonic
Fiat 500 Mitsubishi Mirage
Acura MDX Chevrolet Cruze

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Keep this in mind when shopping around

More affordable insurance in Carson City can be purchased both online and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don't offer online price quotes and many times these regional carriers work with independent insurance agents.

In this article, we presented some good ideas how to save on insurance in Carson City. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with an unexpected company.

When shopping online for insurance, you should never reduce needed coverages to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

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