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

Quick Facts

• In general, Nevada General offers cheaper rates than American Access Casualty Company
• American Access Casualty Company offers more affordable premiums for drivers with a DUI charge on their record
• Nevada General offers more affordable rates for policyholders who have a clean record

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to American Access Casualty Company or Nevada General, but between the two, which carrier will offer you less expensive prices?

As you can see, American Access Casualty Company is about $30 more per month than Nevada General when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Nevada General will be the more affordable option for every driver. Insurance companies use a ton of complex algorithms to calculate premiums, so depending on how old you are or how clean your driving record is (among several other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of American Access Casualty Company or Nevada General is really the best for you, keep reading to see average premiums for each company broken down by lots of different rate factors.

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

Both American Access Casualty Company and Nevada General 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 General offers car insurance for $249 per month on average. American Access Casualty Company's average prices come out to be over 10% more expensive, at $279 a month.

Typically, where you live will play a big role in how much you pay for insurance, but since both companies only do business in Nevada, a variety of other factors will come into play when you compare American Access Casualty Company and Nevada General. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Nevada General for their insurance pay nearly $150 less than those who use American Access Casualty Company.

However, both carriers will reduce rates once you turn 25. Nevada General offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. American Access Casualty Company's average prices lower almost 70% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Nevada General gets the slight edge here, with average premiums coming in at around $188 monthly compared to American Access Casualty Company's $196. That being said, that difference is less than 5%, which means it ultimately will come down to other variables, such as your credit score or your driving record.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally more expensive for those who are single than they are for married drivers? That's because policies for married policyholders generally cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Nevada General is the clear winner for single drivers, with prices about $47 a month cheaper than American Access Casualty Company, on average. But for married couples, that advantage is much less clear - Nevada General has the edge when it comes to average premiums , but the difference is less than $10.

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

Because men are more likely to get into accidents and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, insurance carriers will often charge men more than women.

Usually, women see prices nearly $30 per month less expensive with American Access Casualty Company, and around $5 cheaper with Nevada General when compared to their male counterparts.

Looking at overall affordability, Nevada General comes out on top for both men and women. On average, women save about $19 a month and men save about $42 with Nevada General compared to the average American Access Casualty Company policyholder.

American Access Casualty Company or Nevada General: 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.

For most people, insurance can be pretty complicated. There are a range of different coverages that account for a bunch of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability limits, Nevada General typically offers more affordable premiums of $150 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, Nevada General again has the edge, with policies around $10 per month less expensive than American Access Casualty Company, on average.

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

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

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their premiums to go up an average of $23 a month if they get a ticket, while Nevada General generally raises rates about $22 per month, on average.

That being said, Nevada General is normally the more affordable option for drivers both with a speeding ticket and with a clean record -- their rates are around 12% cheaper for drivers with clean records and 11% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through American Access Casualty Company can expect to see around an $95 -- or about 29% -- increase in their auto insurance prices. Drivers who use Nevada General for their car insurance will see a monthly bill around $48 (or 19%) more expensive after reporting an accident to their auto insurance company.

Overall, the cheaper rates come from Nevada General, with monthly premiums averaging $257 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Nevada General drivers usually see a 30% raise in their insurance prices after a DUI charge, while American Access Casualty Company will typically increase rates by about 18%.

If you have a DUI on your record and are looking for more affordable prices, American Access Casualty Company tends to be the much less expensive option with average premiums of $288 per month compared to $298 from Nevada General.

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

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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

So, which carrier offers the cheapest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Nevada General. Drivers with "excellent" credit can save over 10% compared to American Access Casualty Company, and those with "good" scores can also expect to see savings -- around $30 or 11% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Nevada General typically offers lower premiums than American Access Casualty Company when it comes to drivers with bad credit. Drivers with "fair" credit pay about $30 a month less with Nevada General compared to American Access Casualty Company, and those with "poor" scores usually save an average of around $30 monthly.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly insurance bill? Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither American Access Casualty Company or Nevada General report increasing prices for drivers with higher annual mileage figures. That being said, Nevada General comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $249 per month for both.

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

Where your home is can play a considerable role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the roads in those areas.

When comparing these two carriers side-by-side, Nevada General generally comes out as the less expensive option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

If you live in a rural area, you can expect to save about $73 with Nevada General compared to American Access Casualty Company. Drivers in suburban ZIP codes pay around $46 less with American Access Casualty Company compared to Nevada General. In urban areas, Nevada General Insurance Company's average prices are about $64 less than American Access Casualty Company.

American Access Casualty Company vs. Nevada General Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many 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 can take advantage of.

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

Overall, Nevada General comes out ahead with nine discounts to American Access Casualty Company's six.

There are a couple discounts both companies offer, but Nevada General also offers agency transfer discounts, driver training discounts, EFT discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a couple unique discounts of its own -- discounts for being a good driver, discounts for insuring multiple cars with the same company, and prior insurance discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which company is the best fit for you?

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

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for more protection with "full coverage" insurance.
• You have a short commute.

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

• You have a DUI charge on your record.
• Your home is located in the suburbs.

We hope this guide has ben a valuable resource as you compare American Access Casualty Company and Nevada General and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several companies, not just American Access Casualty Company and Nevada General. 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 car insurance carriers in your area, all for free.

American Access Casualty Company vs. Nevada General FAQs

Is American Access Casualty Company or Nevada General cheaper?

Looking just at the national average rates, Nevada General is the cheaper of the two companies, offering average rates of $249 a month compared to $279 for American Access Casualty Company. However, Nevada General won't necessarily be the most affordable carrier for each driver, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

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

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, American Access Casualty Company offers less expensive premiums for drivers with a recent DUI, while Nevada General is more affordable for drivers with excellent credit.

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

Auto insurance carriers take a look at many different factors when determining the rates they charge drivers. Things like where you live, gender, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Nevada General calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the 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 makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be American Access Casualty Company or Nevada General 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.