Everyone wants to get a bargain on car insurance, but finding those bargains can be difficult. There are steps you can take to lower your cost, but you shouldn’t focus on rates alone. It doesn’t make sense to cut costs if you’re also sacrificing quality. With the tips below, you can find cheap insurance in Las Vegas NV without missing out on the coverage you need.
- Get competitive quotes: Sometimes, your current insurer offers the best deal, but in many instances, the best deals can be found elsewhere. Getting multiple quotes can help you find the cheapest car insurance, and you should get them at least once per year.
- Get more than one policy: You may be able to get a discount on your auto insurance if you buy home or life coverage from the same insurer; you may be able to save 10% or more through a multi-policy discount.
- Ask for a higher deductible: If your current deductible is $200, raising it to $500 can lower your monthly premium by up to 20%. However, raising your deductible means that you’ll pay more out-of-pocket if you make a claim.
- Ask if you’re eligible for any discounts: Is your son a great student? If so, you may be eligible for a discount. If you park your car in a garage where it is less vulnerable to damage and theft, you may be able to save each month.
- Consider the vehicle you’re buying: If you’re in the market for a new car, your choice can play quite a role in the car insurance rate you pay. Cars costing less to replace or repair generally get lower rates; you can also pay less if the car has safety features such as side air bags, ABS and automatic seat belts.
There are many ways to save on your insurance, but the most obvious is to avoid accidents and traffic violations. When searching for insurance, agents will check your driving record to determine the risk you pose. Accidents, speeding tickets and DUIs can all cause your rate to increase significantly. Drive cautiously and follow the tips above, and you’ll have cheap insurance in Las Vegas NV.
