It’s well known that insurance companies don’t want their customers to go rate shopping. Drivers who shop for lower prices are inclined to buy a different policy because there are good odds of finding a lower-priced company. A study discovered that people who compared rates annually saved $865 annually compared to policyholders who never compared other company’s rates.
If finding budget-friendly Pontiac Solstice insurance is your objective, then knowing the best ways to shop for coverage rates can help you succeed in finding affordable rates.
It takes a little time, but the best way to save on Pontiac Solstice insurance is to start comparing prices yearly from insurers in Henderson. You can compare rates by completing these steps.
Step 1: Spend a few minutes and learn about auto insurance and the measures you can take to keep rates low. Many policy risk factors that drive up the price such as accidents, traffic tickets, and poor credit history can be improved by paying attention to minor details.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of companies. View rates
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Solstice insurance. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
The critical component of shopping around is to use similar deductibles and liability limits on every quote and and to get rate quotes from as many companies as feasibly possible. This enables a fair rate comparison and a complete selection of prices.
The best way to compare car insurance rates for Pontiac Solstice insurance in Henderson is to understand most insurance companies participate in online systems to give you rate quotes. All consumers are required to do is provide a little information like if you’re married, the type of vehicles you drive, if the vehicle is leased, and if you have an active license. Your details is then submitted to multiple car insurance providers and you receive quotes instantly.
If you wish to get multiple quotes for your Pontiac Solstice now, click here then complete the form.
The companies shown below offer price quotes in Nevada. In order to find cheap car insurance in NV, we recommend you visit as many as you can to get a more complete price comparison.
Don’t overlook these Pontiac Solstice insurance discounts
Auto insurance companies do not advertise every available discount in an easy-to-find place, so we took the time to find a few of the more common in addition to some of the lesser obvious ways to save on auto insurance.
- Sign Online – Some of the larger companies give back up to $50 simply for signing on their website.
- Telematics Data – Insureds that choose to allow their company to study driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.
- Lower Rates for Military – Having a deployed family member could qualify you for better auto insurance rates.
- Driver Training Discounts – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
- Student Discount for Driver Training – Have your child successfully take a driver’s education course if offered at their school.
- Good Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accident claims.
Consumers should know that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any qualifying discounts will help lower your policy premiums.
A partial list of companies that may offer these money-saving discounts include:
Before buying, ask each company which credits you are entitled to. Some credits may not be offered in your state. To see providers that have a full spectrum of discounts in Nevada, click this link.
Why you need car insurance
Despite the high cost of buying insurance for a Pontiac Solstice in Henderson, insuring your vehicle may be mandatory for several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage in order to license the vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, almost all lenders will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you default on your policy, the bank may insure your Pontiac at a significantly higher premium and make you pay the higher price.
Third, car insurance preserves not only your Pontiac Solstice but also your financial assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Pontiac as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than offset the price you pay, particularly when you have a large claim. As of last year, the average driver in Nevada is overpaying over $810 a year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.
Nevada car insurance companies ranked
Ending up with the right car insurance provider is hard considering how many different insurance companies sell coverage in Henderson. The ranking data shown next may help you select which auto insurance companies to look at putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
When in doubt talk to an agent
When it comes to the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that
These are some specific questions might help in determining if you might need an agent’s assistance.
- What does PIP insurance cover?
- Does my liability insurance cover pulling a trailer or camper?
- How much cheaper are high deductibles?
- Which companies are cheaper for teen drivers?
- What can I do if my company denied a claim?
- Does having multiple vehicles earn me a discount?
- Is there a penalty for late payment?
- Who is covered when they drive my Pontiac Solstice?
- Does coverage follow the driver or the vehicle?
- Should I sign the liability waiver when renting a car?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Local Henderson insurance agencies
Many drivers would prefer to talk to an insurance agent and that is OK! An additional benefit of getting free rate quotes online is you may find cheap auto insurance rates and also buy local.
After filling out this short form, your insurance data is submitted to companies in Henderson who will give you bids to get your business. There is no need to leave your house since price quotes are sent to you directly. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to compare prices from a particular provider, you just need to go to their quote page and submit a quote form there.
Choosing a provider is decision based upon more than just a cheap quote. Some important questions to ask are:
- Does the agency support the community they serve?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Can you use your own choice of collision repair facility?
- Do they have a Better Business Bureau rating in Henderson?
- What insurance companies do they work with in Henderson?
- Will the company cover a rental car if your car is getting fixed?
- How will an accident affect your rates?
- Do they assist clients in filing claims?
When looking for a local Henderson insurance agent, you need to know there are two different agency structures and how they differ in how they can insure your vehicles. Agents in Henderson are classified as either exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agents
Agents of this type are contracted to one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently buy from the same agent for years mostly because of the prominent brand name rather than having low rates.
Shown below is a short list of exclusive agents in Henderson willing to provide comparison quotes.
- Farmers Insurance: Laurie Yakubik
183 Gibson Rd – Henderson, NV 89014 – (702) 456-8119 – View Map - Karen Wright – State Farm Insurance Agent
213 N Stephanie St f – Henderson, NV 89074 – (702) 260-9800 – View Map - State Farm: Carl Endorf
120 S Green Valley Pkwy #164 – Henderson, NV 89012 – (702) 834-7070 – View Map
Independent Agents
Independent agents are not restricted to one company and that gives them the ability to insure with any number of different companies and find you cheaper rates. If they quote lower rates, your agent can just switch to a different company which is easy for the insured.
When comparing auto insurance prices, you definitely need to compare quotes from a couple of independent agencies to have the most options to choose from. Many can place coverage with companies you’ve never heard of that may have much lower rates than larger companies.
Below is a list of independent agents in Henderson who can help you get rate quotes.
- High Desert Insurance Agency
140 E Horizon Dr – Henderson, NV 89015 – (702) 558-8587 – View Map - All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 – Henderson, NV 89052 – (702) 660-6618 – View Map - Paradigm Insurance Agency
170 S Green Valley Pkwy #300 – Henderson, NV 89012 – (702) 522-0730 – View Map
Once you have received good answers for all questions you ask as well as a price you’re happy with, you may have found a car insurance agent that is reputable and can adequately provide auto insurance.