It's hard to miss the captivating ads from insurers like Farmers, GEICO, and Nationwide promising dirt cheap rates. So you should just choose the one with the most memorable commercial, right?
It's not that easy, however, as there are a whole bunch of unknown aspects such as the amount of coverage you want, the area where you live, the safety features built into your vehicle, and the annual mileage you drive, that all impact the cost of coverage. This article goes into detail about the best ways to avoid paying too much and will hopefully give you some help in finding cheaper rates.
Finding out which insurers offer the lowest-priced auto insurance rates for government employees in Nevada requires a tad more effort thank just comparing rates from one or two companies. Each auto insurer has their own unique process for setting rates, so let's look at the rankings for the overall cheapest auto insurance companies in Nevada.
Lowest Insurance Price Quotes in Nevada
|Rank||Company||Cost Per Year|
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Travelers offers some of the best car insurance rates in Nevada at around $903 annually. Allied, Capital, Oregon Mutual, and American Family are also some of the cheaper Nevada car insurance companies.
As the example above demonstrates, if you buy coverage from Oregon Mutual and switched to Allied, you might achieve a yearly price reduction of roughly $236. Nevada drivers with American Family could save as much as $319 a year, and Progressive customers might see rate reductions of $327 a year.
To see if your current coverage is too expensive, click here to get a free quote or visit several of the following companies.
Bear in mind that those premiums are averages across all drivers and vehicles in Nevada and and are not calculated with a rate decrease for government employees. So the company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.
The type of vehicle requiring insurance is one of the largest considerations that determines whether or not you find affordable auto insurance for government employees. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than higher performance models.
The list below presents insurance prices for a selection of the cheaper vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$669|
|Honda CR-V EX-L 2WD||$747|
|Toyota RAV4 Limited 2WD||$791|
|Toyota Camry LE||$796|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$806|
|Dodge Grand Caravan SE||$819|
|Ford F-150 XL Super Cab 2WD||$832|
|Ford Edge Sport 2WD||$833|
|Honda Odyssey EX-L||$838|
|GMC Sierra SLE Regular Cab 4WD||$848|
|Chevrolet Malibu LTZ||$856|
|Chevrolet Equinox LTZ AWD||$848|
|Jeep Grand Cherokee SRT-8 4WD||$855|
|Hyundai Sonata GLS 4-Dr Sedan||$850|
|Ford F-350 XL Crew Cab 2WD||$865|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$872|
|Volkswagen Jetta LE 4-Dr Sedan||$867|
|Honda Accord LX-S 2-Dr Coupe||$892|
|Chevrolet Impala LT||$900|
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific Nevada garaging location which can lower or raise premium rates considerably.
Based upon these rates, you can expect cars like the Ford Escape, Honda CR-V, Toyota RAV4, and Toyota Camry are most likely to be some of the most economical vehicles to insure for state and federal workers.
For state and federal workers, one of the largest things that aid in calculating auto insurance rates is where your car is garaged. More populated areas like Winchester, Spring Valley, and Las Vegas are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The following table ranks the most costly cities in Nevada for government employees to buy an auto insurance policy in.
|7||North Las Vegas||$1,844|
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Prices are approximated as the specific geographic location can increase or decrease rates significantly.
The chart below demonstrates how deductibles can impact yearly insurance costs when getting quotes for cheap insurance for government employees in Nevada. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could save $238 a year by switching from a $100 deductible to a $500 deductible, or save $360 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates up to $714 annually by choosing a higher deductible. If you do decide to increase your deductibles, it will be necessary to have enough spare savings to satisfy the extra out-of-pocket expense that comes with higher deductibles.
Violations and accidents raise rates
The ideal way to find low auto insurance premiums in Nevada for state and federal workers is to be a safe driver and avoid tickets and accidents. The information below highlights how speeding tickets and at-fault claims raise car insurance rates for each different age group. The premiums are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,121. Get written up for two speeding tickets and the average cost hikes up to $1,586, an increase of $465 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for government employees in Nevada jumps again to an average of $2,053. That's an increase of $932, or $78 per month, just for a couple of infractions!
The benefit of shopping around
Nevada auto insurance rates are impacted by many things that control the price of your policy. Simply having another birthday, buying a home instead of renting, or getting caught speeding can cause premium changes that can make some companies more affordable than before. And not only may your rating factors change, but insurance companies change the rates they charge in Nevada multiple times each year to adjust for heavy claims or excess profits. Higher than usual claims may cause high rates, while lower claims can cause more affordable Nevada car insurance rates.
To illustrate this example, the graph below shows a variety of companies that have the cheapest car insurance in Nevada for a 30-year-old female driver with no accidents or violations, and a decent credit rating. When comparing rates based on her current rating profile, Allied quotes the lowest car insurance rates in Nevada at $921 annually. This is $653 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and GEICO are the remaining best Nevada auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison an at-fault accident, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every insurance company uses their own calculation for filing rates in each state, comparing rates most likely will result in a different set of the cheapest companies as shown below.
Progressive now has the best auto insurance rate in Nevada with Travelers, Safeco, USAA, and Nationwide completing the list. This example proves why it is critical to perform a complete rate comparison when trying to get the most economical auto insurance rates for government employees. Insurance rates are impacted by many things and change frequently, so the cheapest rate when you last compared rates may now not even be in the top five.
How to find the cheapest car insurance for government employees in Nevada
Below you'll find some of the recommended money-saving solutions that can help you get cheaper auto insurance.
- Good credit can help you save money
- Raise your physical damage coverage deductibles
- Being accident-free can lower rates significantly
- Drop full coverage on older vehicles
- Drive a car with a high safety rating
- Maintain a clean driving record
- Compare rates regularly and switch companies to save money
That final tip is particularly valuable, as we hit on in this write-up. Auto insurance rates go up and down frequently, so drivers shouldn't be resistant to switch carriers if a more affordable price is available. We understand brand loyalty, but it's not a good idea if that faithfulness ends up costing you lots of money. It only takes a couple minutes to shop around to find cheaper car insurance for government employees.