Finding dependable, reasonably-priced insurance is tough enough, and figuring out which company has the best car insurance rates in Carson City will take even more perseverance.
Each insurance company uses a little different formula for filing rates in each state, so we need to take a look at the car insurance companies with the overall best prices in Carson City, NV. Keep in mind that Carson City, NV car insurance rates are impacted by many things which can substantially decrease or increase the policy price. Things like getting older, becoming a homeowner, or getting a reckless driving citation can trigger rate changes that can now make some companies much cheaper than others.
|Rank||Company||Cost Per Year|
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Allied may offer some of the lowest car insurance rates in Carson City at around $911 per year. Travelers, Capital, Oregon Mutual, and Progressive are also some of the most economical Carson City, NV car insurance companies.
In the above example, if you buy coverage from Travelers and switched to Allied, you might realize yearly savings of upwards of $1. Nevada drivers with Capital could save as much as $67 a year, and Oregon Mutual customers might reduce rates by $247 a year.
Remember that these policy rates are averaged for all drivers and vehicles in Nevada and and are not calculated with a vehicle location in Carson City. So the insurer that has the lowest price for you may not even be in the list above. That is why you need to compare as many prices as possible using your own driver data and vehicle information.
One of the many considerations that aid in calculating the annual cost of car insurance is where your residence is. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas areas with less crime or weather claims tend to receive cheaper rates.
The illustration below rates the most expensive areas in Nevada in which to purchase auto insurance. Carson City ranks #17 with an annual cost of $1,136 for the average insurance policy, which is around $95 monthly.
|6||North Las Vegas||$1,900|
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Prices are comparative as the specific zip code location can alter premium rates substantially.
The car, truck, or SUV you are buying coverage for is one of the biggest factors when trying to find low-priced car insurance in Carson City. Vehicles with high performance engines, a lack of modern safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.
The next table showcases auto insurance premiums for a selection of the most economical vehicles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$919|
|Honda CR-V EX-L 4WD||$940|
|Ford F-150 XL Super Cab 2WD||$1,012|
|Ford Edge SEL AWD||$1,069|
|Ford Escape Limited 2WD||$1,075|
|Chevrolet Malibu LS||$1,091|
|Dodge Grand Caravan SXT||$1,110|
|Ford Explorer Limited 2WD||$1,119|
|Honda Civic VP 4-Dr Sedan||$1,125|
|Hyundai Elantra GLS Touring Station Wagon||$1,128|
|Honda Odyssey Touring||$1,167|
|Chevrolet Equinox LTZ AWD||$1,175|
|Kia Optima LX||$1,169|
|GMC Sierra 2500HD SLT Extended Cab 4WD||$1,223|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,230|
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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 homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific Carson City, NV garaging location which can change auto insurance rates greatly.
Looking at the numbers, vehicles like the Honda Accord, Honda CR-V, Ford F-150, Ford Edge, and Ford Escape should be a few of the more affordable vehicles to insure for drivers in Carson City.
Comparison of full coverage and liability-only policies
Lowering the price of auto insurance is important to the majority of vehicle owners, and one of the fastest ways to pay less for insurance in Carson City is to only pay for liability coverage. The chart below visualizes the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
As an average, full coverage on your policy costs an additional $1,297 per year more than just insuring for liability. That brings up the question if paying for full coverage is a waste of money. There is no set guideline for eliminating physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
The example below shows how choosing a deductible can affect premium costs when quoting cheap insurance in Carson City. The rates are based on a single male driver, full coverage, and no discounts are factored in.
A 50-year-old driver could cut expenses by $344 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $516 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices $1,144 or even more by selecting a higher deductible. When using a larger deductible, it is necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense that comes with higher deductibles.
Ideas for finding economical auto insurance in Carson City
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help you buy more affordable coverage.
- Safer vehicles cost less to insure
- Raise comprehensive and collision coverage deductibles
- Be a cautious driver
- Pay lower rates with good credit
- Do not get into accidents
- Shop around for lower rates once a year
That last tip is certainly crucial, as we noted in this piece. Prices can change considerably based on profitability, so don't be afraid to buy from a different company if you can find a cheaper rate. Sticking with a specific company is fine, but it's not a great idea if that stubbornness costs you potentially thousands of dollars a year. It only take a few minutes to compare prices to find cheaper car insurance in Carson City.