One of the many factors that help determine auto insurance rates is your zip code in Nevada. Regions with larger populations or more claims like Winchester, Sunrise Manor, and Las Vegas tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims benefit from lower coverage costs.
The illustration below rates the most costly cities in Nevada for police officers to buy an auto insurance policy in.
|Rank||City||Premium Per Year|
|6||North Las Vegas||$1,900|
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Information shown are estimated as specific Nevada zip code can decrease or increase price quotes noticeably.
The type of vehicle needing coverage is one of the main factors in finding economical car insurance for police officers. Vehicles with limited speed and performance, good crash test ratings, or a positive history of liability claims will cost much less to insure than adrenaline junky models.
The next table illustrates coverage rates for a number of the more affordable automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$669|
|Jeep Wrangler Sport 4WD 2-Dr||$692|
|Honda CR-V EX 4WD||$747|
|Ford Explorer XLT 4WD||$749|
|Toyota Tacoma 4WD||$759|
|Ford Edge SEL 2WD||$776|
|Ford F-150 XLT Crew Cab 4WD||$806|
|Hyundai Elantra SE Touring Station Wagon||$817|
|Dodge Grand Caravan CV||$819|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$848|
|Nissan Rogue S AWD||$850|
|Hyundai Sonata GLS 4-Dr Sedan||$855|
|Dodge Ram Crew Cab ST 2WD||$865|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$870|
|Jeep Grand Cherokee Laredo 4WD||$867|
|Toyota RAV4 4WD||$877|
|Chevrolet Equinox LS AWD||$867|
|Chevrolet Impala LS||$872|
|Nissan Altima 2.5 4-Dr Sedan||$892|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can revise coverage rates considerably.
Based upon the rates shown, we can tell that models like the Ford Escape, Jeep Wrangler, Honda CR-V, and Ford Explorer should be a few of the most affordable vehicles to insure for law enforcement personnel.
Finding out which company offers the best insurance rates for police officers in Nevada will involve a little more effort in order to find the lowest price. Each company has their own guidelines for establishing rates, so let's look at the rankings for the insurance companies that tend to be cheaper in Nevada.
It's important that you understand Nevada insurance rates are based on many factors which can substantially change the price of coverage. Getting older, having a teenage driver, or getting a DUI can cause premium changes that can cause some rates to be cheaper than others.
Best Auto Insurance Prices for Law Enforcement
Travelers has some of the most affordable car insurance rates in Nevada at around $930 each year. This is $644 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive would also make the list of some of the lowest-priced Nevada car insurance companies.
As shown in the table above, if you buy coverage from Capital and switched to Travelers, you may realize savings of upwards of $58. Insureds with Oregon Mutual could save as much as $217 a year, and Progressive customers might see rate reductions of $272 a year.
To get a fast rate comparison, click here to get a free quote or quote rates from the companies below.
Bear in mind that those premiums are averaged for all insureds and vehicles and do not take into consideration a price discount for police officers. So the car insurance company that has the cheapest rates for you may not even be in the list above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.
Bad driving habits will cost you more
One of the best ways to obtain the best insurance prices in Nevada for law enforcement personnel is to pay attention while driving and not get tickets or have accidents. The diagram below illustrates how violations and at-fault claims can raise insurance rates for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the example above, the average cost of auto insurance in Nevada per year with a clean driving record and no accidents is $1,366. Receive two speeding tickets and the average cost swells to $1,943, an increase of $578 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for police officers in Nevada increases to an average of $2,522. That's an increase of $1,156, or $96 per month, just for not driving responsibly!
Full coverage rates compared to liability-only
Saving money on insurance is the goal of the majority of people, and one good way to find cheaper insurance for police officers in Nevada is to not buy full coverage. The illustration below shows the comparison of insurance rates with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.
As an overall average, full coverage on your policy costs an additional $1,791 per year more than carrying just liability coverage. At some point, almost every driver questions when is the right time to remove full coverage. There is no specific rule to stop buying physical damage coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
There are some cases where only buying liability is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
How to find more affordable auto insurance for police officers
Lowering your rates is not difficult, and here are some of the better thrifty solutions that can help Nevada drivers get cheap coverage.
- Try to pay small claims out-of-pocket
- Do not pay for full coverage on older vehicles
- Do not get into accidents that are your fault
- Higher deductibles mean lower rates
- Tickets and violations raise rates
- Shop around for cheaper prices
The last tip in the list is especially valuable, as we pointed out in this write-up. Coverage rates vary greatly, so don't hesitate to buy from a different company if you find a cheaper price. Loyalty to a specific company is fine, but it's not a great idea if it's costing you thousands of dollars over the life of your policy. Take a few minutes and compare rates to find cheaper car insurance for police officers.