Cold Springs Auto Insurance Rates, Quotes, Agents & Reviews in NV

Cold Springs, NV Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cold Springs, NV, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Cold Springs, NV are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Cold Springs, NV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cold Springs, NV with that of other cities in and around Cold Springs.

Cold Springs Golden Valley Lemmon Valley Reno Verdi Chilcoot-Vinton
Average Insurance Rates $1,955 $2,028 $1,925 $1,155 $2,119 $1,738

Cold Springs, NV Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cold Springs, NV based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cold Springs $1,351 $1,141
North Valleys $1,741 $1,470
Lemmon Valley $1,082 $914
Golden Valley $2,178 $1,840
Verdi $1,592 $1,345
Chilcoot-Vinton $2,027 $1,712
Verdi $2,405 $2,031
Reno $985 $832

Cold Springs, NV Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cold Springs, NV usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,344
20 Years $2,512
30 Years $1,935
40 Years $1,862
50 Years $1,724
60 Years $1,748
70 Years $2,035

Cold Springs, NV Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cold Springs, NV can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,324 $587
3 Vehicles $4,985 $880
4 Vehicles $6,647 $1,173

Savings on 2 Vehicles bundle:$587

Savings on 3 Vehicles bundle:$880

Savings on 4 Vehicles bundle:$1,173


Cold Springs, NV Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cold Springs, NV.

Location Average Insurance Cost Post DUI Insurance Rate
Cold Springs $1,955 $3,105
North Valleys $1,951 $3,098
Lemmon Valley $1,925 $3,057
Golden Valley $2,028 $3,220
Verdi $2,119 $3,365
Chilcoot-Vinton $1,738 $4,279
Verdi $1,904 $4,688
Reno $1,155 $1,834

Cold Springs, NV Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,677
Excellent (740-799) $1,915
Good (670-739) $2,037
Average (580-669) $2,658
Poor (300-579) $3,189

Cold Springs, NV Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$86 $2,041
Driver's Failure In Showing Documents +$190 $2,145
Driving With An Expired Registration +$201 $2,156
Driving At A Considerably Slow Pace +$424 $2,379
Using A Cellphone While Driving +$448 $2,403
Running A Red Light +$456 $2,411
Speeding +$479 $2,434
Driving A Vehicle Without The Required Permission +$608 $2,563
Driving With An Expired/Suspended License +$1,318 $3,273

Cold Springs, NV Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,877
Active Disabling Device $1,877
Tracking Device $1,838
Passive Disabling Device $1,818