American Access Casualty Company vs. Nevada Capital: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Nevada Capital offers significantly more affordable prices than American Access Casualty Company
• Nevada Capital offers more affordable rates for couples purchasing insurance together
• Nevada Capital tends to be a much cheaper option for residents of rural areas

American Access Casualty Company vs. Nevada Capital: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to American Access Casualty Company or Nevada Capital, but between the two, which one will offer you less expensive prices?

Looking at nationwide averages, American Access Casualty Company has average rates that are about 55% per month more expensive than those from Nevada Capital.

That being said, that doesn't mean Nevada Capital will necessarily be cheaper than American Access Casualty Company for each driver. Car insurance companies vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and all sorts of other factors, so prices will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both American Access Casualty Company and Nevada Capital by lots of different rate factors, so read on to find out which carrier is the best for you.

American Access Casualty Company or Nevada Capital: Average Car Insurance Rates by State

Both American Access Casualty Company and Nevada Capital only offer auto insurance in Nevada, so you'll see that the average figures here will mirror the ones we mentioned above. For Nevada residents, Nevada Capital offers insurance for $125 a month on average. American Access Casualty Company's average rates come out to be over 70% more expensive, at $279 monthly.

Typically, where you live will play a huge role in how much you pay for auto insurance, but since both companies only do business in Nevada, a whole range of other factors will come into play when you compare American Access Casualty Company and Nevada Capital. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Nevada Capital for their auto insurance pay more than $450 less than those who use American Access Casualty Company.

But with both carriers, you'll see your rates drop significantly by the time you turn 25. Nevada Capital offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. American Access Casualty Company's average premiums reduce nearly 70% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

But who has the best premiums for retired drivers between American Access Casualty Company and Nevada Capital? Nevada Capital gets the edge, with prices for drivers 65 and older $111 more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for those who are single than they are for married couples. That's usually because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Nevada Capital is the clear winner for single drivers, with rates around $198 a month less expensive than American Access Casualty Company, on average. The advantage for married drivers with Nevada Capital is also obvious, where drivers save almost 50% per month.

American Access Casualty Company vs. Nevada Capital: Average Rates by Gender

Men typically pay more for auto insurance than women. This is because women are less likely to get into accidents and get tickets, which decreases the chances of an insurance claim.

Women normally pay nearly $30 a month less than men with American Access Casualty Company, while with Nevada Capital, the difference is closer to $2 per month.

When it comes to the lowest prices for each gender, Nevada Capital offers the cheapest average rates for both men and women, with average premiums $167 less for men and $141 cheaper for women.

American Access Casualty Company or Nevada Capital: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Nevada Capital typically offers significantly more affordable prices of $75 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, Nevada Capital again has the edge, with policies about $200 a month less expensive than American Access Casualty Company, on average.

Is American Access Casualty Company or Nevada Capital Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your premiums, but is American Access Casualty Company or Nevada Capital cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their rates to go up an average of $23 per month if they get a ticket, while Nevada Capital generally raises prices around $27 a month, on average.

However, Nevada Capital is normally the more affordable option for drivers both with a speeding ticket and with a clean record, offering rates that are $148 and $144 less expensive, respectively, compared to American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in a collision can expect to see their premiums climb by $95, while those who have insurance through Nevada Capital will see about a $35 increase.

Overall, drivers who use Nevada Capital end up with the cheaper prices after an accident, with monthly prices averaging $126 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than an accident or ticket. For example, Nevada Capital increases average premiums by just under $80 per month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable prices, Nevada Capital tends to be the much cheaper option with average rates of $168 per month compared to $288 from American Access Casualty Company.

How does Credit Score Impact American Access Casualty Company and Nevada Capital Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at American Access Casualty Company and Nevada Capital specifically, which carrier has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Nevada Capital. Policyholders with "excellent" credit can save just under 65% compared to American Access Casualty Company, and those with "good" scores can also expect to see savings -- around $165 or 59% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Nevada Capital typically offers lower rates than American Access Casualty Company when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $151 a month less with Nevada Capital compared to American Access Casualty Company, and those with "poor" scores usually save an average of around $123 a month.

Is American Access Casualty Company or Nevada Capital Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. Normally, the more miles you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Access Casualty Company charges. However, there's a pretty significant difference in monthly premiums for Nevada Capital, with drivers who put 6,000 miles on their vehicle annually paying about $15 less each month compared to those who drive 12,000 miles every year. Still, Nevada Capital is the cheaper option for drivers in both categories.

American Access Casualty Company vs. Nevada Capital: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for auto insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Nevada Capital generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save around 68% with Nevada Capital compared to American Access Casualty Company. Drivers in suburban ZIP codes pay about 21% less with Nevada Capital compared to American Access Casualty Company. In urban areas, Nevada Capital Insurance Company's average prices are around 58% less than American Access Casualty Company.

American Access Casualty Company vs. Nevada Capital Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

In the table below, we've taken a look at all of the different discounts American Access Casualty Company and Nevada Capital offer their customers so that you can see which company can save you the most money each month.

Nevada Capital blows American Access Casualty Company away when it comes to the sheer amount of discounts available, offering nine more discounts than American Access Casualty Company.

Both carriers offer several of the same discounts -- like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and renewal discounts -- but Nevada Capital also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a unique discount of its own -- a prior insurance discounts.

Final Thoughts: Is American Access Casualty Company or Nevada Capital Best for You?

So, you've seen how different factors can affect your insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which company is the right one for you and your specific profile and needs?

Nevada Capital might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You want to save extra money with discounts.
• You and your spouse are buying car insurance together.

American Access Casualty Company might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between American Access Casualty Company and Nevada Capital and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just American Access Casualty Company and Nevada Capital. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

American Access Casualty Company vs. Nevada Capital FAQs

Is American Access Casualty Company or Nevada Capital cheaper?

Looking just at the national average prices, Nevada Capital is the less expensive of the two companies, offering average rates of $125 per month compared to $279 for American Access Casualty Company. But Nevada Capital won't necessarily be the cheapest carrier for each driver, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Nevada Capital?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do American Access Casualty Company and Nevada Capital offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the premiums they charge drivers. Things such as gender, your driving record, age, where you call home, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Nevada Capital calculate prices differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

How do I know if American Access Casualty Company or Nevada Capital is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be American Access Casualty Company or Nevada Capital at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.