Reader’s Question:

I’m tired of looking at a lot of websites just to get automotive insurance quotes in Nevada. Isn’t there just one site that you can go for this?

Francis

Reno NV

I agree with you that getting those automotive insurance quotes is becoming quite a burden. What’s worse is that some sites claim to give you different quotes but you actually end up on one site. The recession and the declining economy seems to have no effect at all. Insurance rates are becoming very competitive because the companies saw the need to adapt.

Instead of pointing you to a site, since it may disappoint you, I’ll just share with you some tips on how to get lower quotes and thus save you money.

First tip, calculate your deductible. What is a deductible you ask? It is the money that you need to pay if ever you get involved in an accident and need to use the benefits of your automobile insurance. How much you will pay for your policy will depend on the deductible. Did you know that you can change how much your deductible is so that you will need to pay less money on premiums? That’s how important it is.

Another way to lower those automotive insurance quotes in Nevada is to keep your car safe. You do this by putting in anti-theft devices like alarms. By ensuring the safety of your car, the insurance company may consider you a low risk and thus give you lower quotes.

Bundle insurance policies. Insurance companies will give you discounts if your package has their other products. If you have different policies from different companies then ask one company if they offer insurance packages.

The type of car that you drive can also affect what quotes you get. Sports cars for example are more prone to theft so are classified by companies as high risk. Thus you pay higher premiums.

There are a lot more ways that you can do to get low automotive insurance quotes. Ask your agent to be sure.

Reader’s Question:

I never let my car insurance policy here in Nevada lapse because that’s the only way I know I can keep it low. Can you give me some other ways on how to lower my car insurance rates?

Hadley

Reno, NV

Aside from not letting your car insurance policy in Nevada lapses, here are some other ways on how to lover your car insurance rates:

1. Make sure that your vehicle is fully equipped with security devices such as daytime running lights, alarms, anti-lock brakes and other safety features. If you have these things on your vehicle, inform your car insurance carrier about this so that you can get a discount for it.

2. The mode of payment you choose can be a factor on how much you pay for your car insurance. You can have lower car insurance if you opt to have Electronic Funds Transfer or EFT. This method will allow your bank to credit your insurer with your payment automatically.

3. Reduce the amount of time that you spend in driving because the lesser the time you are on the road, the lower the risk you have on car insurance companies. Remember that lower risk drivers have lower payment on their car insurance. If you spend less on driving, you will have lower chances of getting involved in traffic accidents.

4. You should obtain and compare car insurance quotes from a minimum of three comparison quotes Websites. This process will not take too much of your time as you only have to give your personal information once every Website and you will receive several car insurance quotes from them.