Reno Drivers: Tips and Tricks for Getting Better Car Insurance Coverage
Nevada drivers often don’t have the auto insurance coverage that they really need, but few people realize that they are missing out on important protection. Fortunately, it isn’t difficult to assess your financial situation and determine what kind of changes you need to make to improve your policy. If you’re worried about the added cost, know that there are ways to get discounts and savings on your bill even if you are increasing or adding coverage on your Reno car insurance.
There are online tools that will allow you to compare rates and policies available in Reno. These can be helpful in figuring out what policies are best and what you really can afford in terms of your coverage. It will also allow you to see what the state of Nevada requires for minimum coverage, if you aren’t already aware. Nevada insurance laws require:
-At least $15,000 bodily injury per person
-At least $30,000 bodily injury per accident
-At least $10,000 property damage liability
-Uninsured/underinsured motorist coverage minimum of $15,000/$30,000
Keep in mind, of course, that with the average vehicle cost being well over $20,000, this isn’t a lot of coverage. Buying only state minimum coverage could cause you to be sued for damages after an accident or result in you paying for the accident damages and injuries out of pocket. If you are able to spend another $10 or $20 a month on your car insurance in Reno, you can often get almost double the state minimum coverage, or more, depending on your driving history and other elements. The bottom line: more coverage is better, and cheaper than you think.
Talk to A Car Insurance Agent from Balsiger Insurance
The best way to get the Reno auto insurance that you need is to talk to an insurance agent from Balsiger Insurance that is licensed in Nevada and experienced in these policies. They will be able to help you assess your situation and determine what type of additional coverage you might need beyond the state law requirements. They can also help by reviewing your current policy, which might help you get a better idea of what you are paying for and whether it is a good investment.
A lot of people avoid agents because they assume that they are simply going to be salespeople, but the reality is that a reputable provider or agent will work to get the coverage that you need at a price that you can afford, even if that means they aren’t actually making a lot of money on the sale of the policy.
Know Your Discounts
The biggest place to save money on your policy (and perhaps the easiest) is by getting discounts on your policy. Most companies have a variety of discounts for drivers, including things like:
-Defensive driving discounts
-Equipment safety discounts (anti-lock brakes, for example)
-Bundled policy discounts
-Accident-free or safe driving habits
-Payment discounts (auto-pay, paperless, etc.)
-Customer loyalty discounts
Work With The Best Company: Balsiger Insurance in Reno
If you think you might be overpaying or not getting enough coverage with your car insurance Reno NV, it’s time to do some research. Balsiger Insurance offers affordable car insurance rates in Reno, NV for locals. Within a matter of minutes, and with little effort on your part, you might find a lot better coverage for less than you think. In the event that your auto insurance is already as good as it can possibly get, you didn’t spend a lot of time or money reviewing your options so it is definitely worth a look.
Balsiger Insurance in Reno
6380 Mae Anne Ave, Unit 7
Reno, NV 89523
Directions to Balsiger Insurance in Reno:
If you are coming from Downtown Reno, you’ll take the I-80 West 5.6 miles and then get off on Robb Dr. Then continue on Robb Dr. Take Ambassador Dr to Mae Anne Ave. Their office is located conveniently from most neighborhoods in Northern Nevada.