For drivers in Spring Valley, one of the more important criteria that are used to help calculate auto insurance rates is your address. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The information below shows the highest-priced places in Nevada in which to buy car insurance. Spring Valley ranks #3 with a yearly cost of $2,040 on average, which is around $170 monthly.
|Rank||City||Average Per Year|
|7||North Las Vegas||$1,844|
|Find Cheaper Rates Go|
Prices are comparative as the specific geographic location can revise premiums considerably.
Now that we know where Spring Valley ranks compared to other cities, deciphering which company quotes the best car insurance rates in Spring Valley calls for a bit more effort thank just comparing rates from one or two companies. Every car insurance company uses a different method to set premium rates, so let's examine the most competitive car insurance companies in Spring Valley.
We do need to point out that Spring Valley car insurance rates are influenced by many factors which can substantially change the cost of a policy. Improving your credit rating, buying another vehicle, or getting a driving violation can trigger rate changes resulting in some rates now being more affordable than before.
Find Cheaper Car Insurance in Spring Valley
Travelers has some of the best car insurance rates in Spring Valley at around $930 annually. This is $644 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family would also be considered some of the more affordable Spring Valley, NV insurance companies.
As illustrated above, if you buy coverage from Oregon Mutual and switched to Allied, you could see a yearly savings of about $219. Nevada drivers with American Family might save as much as $243 a year, and Progressive customers might see rate reductions of $287 a year.
Understand that those policy rates are averages across all ages of drivers and types of vehicles and are not factoring in an exact location in Spring Valley. So the company that is most affordable for your situation may not even be in the top 20 companies shown above. That point stresses why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The vehicle you are trying to insure is a significant factor when comparing affordable car insurance in Spring Valley. Vehicles with high performance, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The next list estimates coverage premiums for the most affordable vehicles to insure in Nevada.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$2,918|
|Ford Fusion S 4-Dr Sedan||$3,374|
|Dodge Grand Caravan Hero||$3,379|
|GMC Sierra SLE Crew Cab 2WD||$3,374|
|Jeep Wrangler Sport 4WD 2-Dr||$3,397|
|Ford Escape XLS 2WD||$3,501|
|Honda Accord EX-L 4-Dr Sedan||$3,547|
|Ford F-150 XLT Regular Cab 2WD||$3,601|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$3,612|
|Honda Civic Hybrid 4-Dr Sedan||$3,617|
|Dodge Ram Quad Cab SLT 2WD||$3,681|
|Toyota Tacoma 2WD||$3,804|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific Spring Valley, NV garaging location which can alter coverage rates substantially.
Based upon the table data, vehicles like the Honda CR-V, Toyota Prius, Ford Fusion, and Dodge Grand Caravan are some of the cheapest vehicles to insure for drivers in Spring Valley.
Reckless driving habits raise Spring Valley auto insurance rates
The easiest way to earn the most affordable auto insurance prices in Spring Valley for drivers in Spring Valley is to drive safely and avoid accidents and traffic citations. The example below shows how speeding tickets and at-fault fender-benders raise premium costs for different insured age categories. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy in Nevada per year with no violations or accidents is $1,321. Factor in one speeding ticket and the average cost rises to $1,543, an increase of $222 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance in Spring Valley goes up to an average of $2,164. That's an increase of $843, or $70 per month, just for not being more responsible behind the wheel!
How to get discounts on Spring Valley insurance
Insurers that offer coverage in Spring Valley may additionally offer policy discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. A list of auto insurance companies and the discounts they provide can be found below.
- Mercury Insurance offers premium reductions for professional/association, good student, location of vehicle, good driver, multi-car, and anti-theft.
- Farmers Insurance discounts include multi-car, early shopping, mature driver, pay in full, homeowner, distant student, and alternative fuel.
- Farm Bureau may include discounts for renewal discount, driver training, multi-policy, youthful driver, 55 and retired, safe driver, and multi-vehicle.
- State Farm includes discounts for safe vehicle, multiple autos, multiple policy, Drive Safe & Save, good driver, and anti-theft.
- Allstate offers discounts for farm vehicle, good payer, passive restraint, eSmart discount, teenSMART discount, and EZ pay plan discount.
- GEICO may offer discounts for multi-vehicle, multi-policy, five-year accident-free, emergency military deployment, anti-theft, and air bags.
The diagram below shows the comparison of insurance premiums with and without discounts applied. The information is based on a female driver, no violations or claims, Nevada state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, homeowner, marriage, passive restraint, defensive driving course, and anti-theft discounts applied. When discounts are applied, the average savings per year on auto insurance in Spring Valley is 28% or $462.
Tips for buying cheaper car insurance in Spring Valley
The list below details some of the recommended thrifty suggestions that can help Nevada drivers find more affordable car insurance.
- Ensure your driving record is clean
- Higher credit scores can equal lower rates
- Avoid filing small claims
- At-fault accidents will increase rates
- Get cheaper liability coverage by choosing a safer vehicle
- Compare rate quotes frequently
The last tip in the list is notably necessary, as was pointed out in the prior article. Prices change frequently, so drivers shouldn't hesitate to switch carriers if a more affordable rate is found. Sticking with a specific company is fine, but it isn't a good idea if that loyalty ends up costing thousands of dollars over several years. It only takes a couple minutes to shop around to find cheaper car insurance in Spring Valley.