Reno Car Insurance on a Fixed Budget

I doubt anyone rejoices having to buy car insurance, especially when they know their premiums are too high. Due to the abundance of options when it comes to car insurance, it is very difficult to choose the cheapest insurance company.

It's smart to compare rates quite often because car insurance prices are constantly changing. Just because you found the best quotes a few years ago you can probably find a lower rate today. You can find a lot of information about car insurance out there, but in this article, you're going to get some good information on how to lower your car insurance rates.

Finding affordable car insurance coverage in Reno is not that difficult. If you have insurance now or are looking for a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Nevada drivers only need to know the most efficient way to compare rates over the internet.

Don't miss these discounts

Car insurance is not inexpensive, but there could be significant discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but occassionally some discounts must be asked about before you get the savings. If they aren't giving you every credit you deserve, you are just wasting money.

  • Pay Upfront and Save - By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
  • Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Data Collection Discounts - Insureds that choose to allow driving data collection to study driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as the data is positive.
  • Accident Free - Insureds with no claims or accidents have much lower rates as compared to bad drivers.
  • ABS and Traction Control Discounts - Cars with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
  • Club Memberships - Joining qualifying employment or professional organizations is a simple method to lower premiums on your next car insurance statement.
  • Discount for Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.

Discounts reduce rates, but you should keep in mind that some credits don't apply to the entire cost. Most cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it's just not the way it works.

To see a list of insurers that offer multiple discounts in Reno, click this link.

Finding lower Reno car insurance rates is surprisingly easy. Just spend a little time to compare quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing separate quote forms for each company. A single form will get you rate comparisons from car insurance companies with the best prices.

A harder way to find lower rates is to manually visit the website of each company to complete a price quote. For sake of this example, we'll assume you need rates from Liberty Mutual, Esurance and American Family. In order to compare rates, you need to spend time going to each site individually and enter your policy data, and that explains why we recommend the first method. For a list of companies in Reno, click here.

It's up to you how you get prices quotes, just do your best to enter nearly identical quote data with every price quote. If you have different coverage information it will be nearly impossible to determine which company has the best rates in Reno.

Special considerations

When choosing the best car insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else's and your policy should reflect that. For instance, these questions might help in determining whether or not you might need professional guidance.

  • Who is covered by my policy?
  • Is my nanny covered when driving my vehicle?
  • What if I don't agree with a claim settlement offer?
  • What companies insure drivers after a DUI or DWI?
  • What should my uninsured motorist coverage limits be in Nevada?
  • Do I need to file an SR-22 for a DUI in Nevada?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

Smart shoppers get results

In this article, we presented a lot of techniques to lower your car insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with the least-expected company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

When shopping online for car insurance, you should never reduce needed coverages to save money. Too many times, drivers have reduced physical damage coverage and learned later that it was a big error on their part. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Frequently Asked Questions
  • Should I buy additional coverages?
  • How do I protest my car insurance claim settlement?
  • How can I find cheaper Reno auto insurance rates?
  • Will my car insurance pay for a broken suspension?
  • How can I get Reno auto insurance quotes online?
  • How can I switch car insurance companies?
Did You Know This?
  • The average car insurance bill for Nevada's 1.8 million insured vehicles is $906, which ranks 12th most expensive nationally.
  • Liability insurance averages $619, with comprehensive and collision coverage averaging $290 and $114, respectively.
Popular Auto Insurers in Nevada
  • State Farm
  • Farmers Insurance
  • Western United
  • American Family
  • Allstate
  • Progressive
  • Liberty Mutual
Top Ten Cities in Nevada