Everyone knows that car insurance companies don’t want you to compare rates. Consumers who compare price quotes are highly likely to buy a new policy because they stand a good chance of finding a more affordable policy. A survey found that drivers who compared rate quotes regularly saved over $865 a year as compared to drivers who never shopped around for better prices.
If saving the most money on Fiat 124 Spider insurance is your objective, then learning a little about the best way to compare car insurance can help simplify the process.
If you want to find the absolute lowest rates, then the best way to find cheaper prices for auto insurance rates is to compare quotes once a year from insurance carriers in Las Vegas.
- It will benefit you to learn about what coverages are included in your policy and the steps you can take to keep rates in check. Many things that are responsible for high rates such as speeding and a less-than-favorable credit rating can be remedied by improving your driving habits or financial responsibility. Continue reading for the details to get better rates and find overlooked discounts.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of companies.
- Compare the new quotes to your current policy to determine if you can save on 124 Spider insurance in Las Vegas. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.
A good tip to remember is to use identical coverage information on every price quote and to quote with every insurance company. This guarantees the most accurate price comparison and the best rate selection.
Companies offer lots of discounts on Fiat 124 Spider insurance in Las Vegas
Some companies don’t always list every policy discount in a way that’s easy to find, so the following list contains both the well known and also the more inconspicuous discounts that you can inquire about if you buy Las Vegas car insurance online. If they aren’t giving you every credit possible, you are throwing money away.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Fewer Miles Equal More Savings – Maintaining low annual mileage may allow you to get discounted car insurance rates on garaged vehicles.
- Early Payment Discounts – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
- Anti-lock Brakes – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles with the same car insurance company could earn a price break for each car.
Just know that some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.
To see car insurance companies that offer the discounts shown above in Las Vegas, click here to view.
The easiest way to get rate comparisons for Fiat 124 Spider insurance in Las Vegas is to take advantage of the fact most of the larger companies allow for online access to provide you with a free rate quote. The only thing you need to do is give them rating details such as the type of vehicles you drive, marital status, distance driven, and if you are currently licensed. Your rating data is then submitted to multiple car insurance providers and you will receive price estimates instantly to find the best rate.
To get price quotes for your Fiat 124 Spider now, click here and complete the quick form.
The companies shown below can provide price comparisons in Nevada. If you want to find cheap auto insurance in Las Vegas, it’s highly recommended you get rate quotes from several of them in order to get a fair rate comparison.
When to get professional advice
When it comes to your policy, there is no “perfect” insurance plan. Each situation is unique.
For instance, these questions may help highlight whether or not you could use an agent’s help.
- What companies insure drivers after a DUI or DWI?
- What is the ISO rating for a Fiat 124 Spider?
- When should I buy a commercial auto policy?
- Am I covered when driving someone else’s vehicle?
- When can my company non-renew my policy?
- Can I rent a car in Mexico?
- How do I insure my teen driver?
- What can I do if my company won’t pay a claim?
- Should I sign the liability waiver when renting a car?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.
Car insurance agents near you
A small number of people still prefer to buy from a local agent and doing that can be a smart decision Experienced insurance agents can answer important questions and will help you if you have claims. One of the great benefits of getting online price quotes is the fact that you can find cheap insurance rates and still have a local agent. Buying from local insurance agents is especially important in Las Vegas.
Upon completion of this quick form, the quote information gets sent to companies in Las Vegas that give free quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency since rate quotes are delivered to you. If you want to compare rates from a specific company, you just need to go to their quote page to submit a rate quote request.
Best car insurance agent in Las Vegas
If you want a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they differ in how they quote coverages. Insurance agencies in Las Vegas can either be independent or exclusive. Both can properly insure your vehicles, but it is important to understand the difference in the companies they write for since it may influence which type of agent you select.
Independent Insurance Agents
Agents that elect to be independent often have many company appointments and that enables them to quote your coverage with many different companies and find you the best rates. If your agent finds better pricing, the agent simply finds a different carrier and you can keep the same agent.
If you need lower rates, we recommend you get insurance quotes from multiple independent agents to get the most accurate price comparison.
Listed below is a small list of independent agencies in Las Vegas that may be able to provide price quotes.
3481 E Sunset Rd #100 – Las Vegas, NV 89120 – (702) 220-8640 – View Map
A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 – View Map
Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map
These agents can only provide pricing for a single company such as Allstate and State Farm. These agents are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents are very knowledgeable on sales techniques which can be an advantage.
Below is a list of exclusive insurance agencies in Las Vegas willing to provide rate quotes.
Juan Diaz – State Farm Insurance Agent
1718 S Eastern Ave – Las Vegas, NV 89104 – (702) 489-4242 – View Map
Ron Reedom – State Farm Insurance Agent
1943 N Nellis Blvd – Las Vegas, NV 89115 – (702) 459-9546 – View Map
Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map
Deciding on an insurance agency requires you to look at more than just the bottom line cost. The answers to these questions are important, too.
- Does the company allow you to choose your own collision repair facility?
- Is the coverage adequate for your vehicle?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do they specialize in personal lines coverage in Las Vegas?
- Are they properly licensed to sell insurance in Nevada?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do the agents have professional certifications like CPCU or CIC?
- Are there any discounts that you might be missing?
Frequent quotes can save
Throughout this article, we presented a lot of tips how to get a better price on Fiat 124 Spider insurance in Las Vegas. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.
Budget-friendly auto insurance in Las Vegas can be found from both online companies and also from your neighborhood Las Vegas agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not offer rate quotes online and usually these smaller companies work with independent agents.
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at the best price.
Even more information can be read at these sites:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for a Toyota Tacoma in Las Vegas? (FAQ)
- How Much are Car Insurance Quotes for Uninsured Drivers in Las Vegas? (FAQ)
- How Much are Las Vegas Car Insurance Quotes for a Toyota Corolla? (FAQ)
- What is a Telematics Device? (Allstate)
- Event Data Recorders FAQ (iihs.org)
- Rental Car Insurance Tips (Insurance Information Institute)