To save the most money, the best way to find low-cost auto insurance rates in Las Vegas is to compare prices at least once a year from companies in Nevada. You can compare rates by following these guidelines.
First, get an understanding of what coverages are included in your policy and the things you can change to keep rates in check. Many factors that result in higher prices like inattentive driving and a less-than-favorable credit history can be controlled by making lifestyle changes or driving safer.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of companies.
Third, compare the quotes to your current policy to determine if switching companies saves money. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide adequate notice to your current company of your decision to cancel your current auto insurance policy and submit a completed application and payment to the new insurer. Immediately upon receiving it, place your new certificate of insurance somewhere easily accessible.
The most important part of shopping around is that you’ll want to compare similar limits and deductibles on every quote and and to get rates from as many companies as possible. This guarantees a fair rate comparison and a complete price analysis.
A study showed that almost 70% of insureds have remained with the same car insurance company for over three years, and nearly half have never compared quotes from other companies. Consumers in Las Vegas could save an average of $545 each year, but they don’t know how much savings they would realize if they just switched companies.
Our objective in writing this article is to teach you the most effective way to quote insurance and some tips to save money. If you have auto insurance now, you will surely be able to lower your rates using this information. Smart shoppers just have to use how to shop for auto insurance from many companies at once.
Companies offering cheap Chevy HHR rates in Las Vegas, NV
The providers in the list below have been selected to offer quotes in Las Vegas, NV. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the most competitive price.
Insurance rate breakdown
The coverage information shown below highlights different insurance prices for Chevy HHR models. Knowing how insurance policy premiums are formulated can assist in making smart choices when selecting a policy.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
HHR LS | $298 | $494 | $416 | $24 | $124 | $1,356 | $113 |
HHR LT | $298 | $494 | $416 | $24 | $124 | $1,356 | $113 |
HHR SS | $332 | $670 | $416 | $24 | $124 | $1,566 | $131 |
Get Your Own Custom Quote Go |
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price information does not factor in Las Vegas location which can revise price quotes substantially.
Physical damage deductibles: Should you raise them?
One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The comparisons below outline the differences in premium rates between low and high deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
HHR LS | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
HHR LT | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
HHR SS | $334 | $650 | $308 | $18 | $92 | $1,427 | $119 |
Get Your Own Custom Quote Go |
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
HHR LS | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
HHR LT | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
HHR SS | $244 | $438 | $308 | $18 | $92 | $1,100 | $92 |
Get Your Own Custom Quote Go |
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease premium rates considerably.
Based on these figures, using a $100 deductible will cost you about $24 more each month or $288 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 17 months between claims, you would probably come out ahead by selecting a higher deductible.
The example below demonstrates how choosing different deductibles and can influence Chevy HHR yearly insurance costs for different categories of driver ages. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.
Should you buy full coverage?
The chart below visualizes the comparison of Chevy HHR auto insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
Guidelines for dropping full coverage
There is no specific rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s assume your Chevy HHR replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying the physical damage deductible. If you are paying over $300 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some scenarios where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Verify you’re applying every discount
Some providers don’t always publicize every discount available in a way that’s easy to find, so we took the time to find some of the best known in addition to some of the lesser obvious discounts that may be available.
- College Student – Older children who are enrolled in a college that is more than 100 miles from Las Vegas and do not take a car to college may qualify for this discount.
- Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
- Claim Free – Claim-free drivers can earn big discounts compared to drivers with a long claim history.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save a little off the PIP or medical payment premium.
- Discount for Life Insurance – Companies who offer life insurance give lower auto insurance rates if you buy auto and life insurance together.
One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.
The diagram below compares Chevy HHR car insurance costs with and without policy discounts. The premiums are based on a male driver, no accidents or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, marriage, homeowner, and safe-driver discounts applied.
Car insurance companies that have many of the previously listed discounts may include but are not limited to:
Before you buy a policy, ask every company which discounts they offer. Some credits might not be available to policyholders in every state. If you would like to view auto insurance companies that offer multiple discounts in Las Vegas, follow this link.
Auto insurance can get complicated
When buying the best auto insurance coverage for your vehicles, there really is not a one-size-fits-all type of policy. Your situation is unique.
For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.
- What is an SR-22 filing?
- How many claims can I have before being canceled?
- Who sells insurance for high-risk drivers?
- Do I need higher collision deductibles?
- How long can I keep a teen driver on my policy?
- Can my teen driver be rated on a liability-only vehicle?
- At what point should I drop full coverage?
- Can my babysitter drive my car?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.
Buying insurance from Las Vegas insurance agencies
Some people prefer to buy from a local agent and doing so can bring peace of mind Good agents will help you protect your assets and will help you if you have claims. The biggest benefit of getting online price quotes is you can get cheap rate quotes and still choose a local agent. And providing support for local insurance agencies is definitely important in Las Vegas.
For easy comparison, once you complete this short form, your insurance data is emailed to local insurance agents in Las Vegas who will gladly provide quotes for your coverage. It makes it easy because there is no need to search for an agent since price quotes are sent instantly to you. If for some reason you want to get a comparison quote from a specific insurance company, you just need to go to their quote page and fill out their quote form.
Insurance agent types
If you are searching for a local Las Vegas insurance agency, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Insurance agents are considered either exclusive or independent agents depending on their company appointments. Both do a good job, but it is a good idea to know the difference in how they write coverage since it can affect which agent you choose.
Independent Agents (or Brokers)
Independent agents are not employed by one company and that allows them to write policies through many different insurance companies and potentially find a lower price. If they find a cheaper price, your agent can switch companies and you don’t have to switch agencies.
If you need cheaper insurance rates, we recommend you include rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with smaller regional carriers which may provide better rates.
Listed below is a short list of independent insurance agencies in Las Vegas that may be able to provide price quote information.
- A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 – View Map - AMS Insurance
9960 W Cheyenne Ave #240 – Las Vegas, NV 89129 – (702) 965-3680 – View Map - Insurance Group of Nevada
US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 – Las Vegas, NV 89102 – (702) 996-6434 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive have only one company to place business with like American Family, State Farm, and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually well trained on what they offer which helps overcome the inability to quote other rates. Many people buy from exclusive agents mainly due to the brand rather than having low rates.
Shown below are Las Vegas exclusive agents that can give you rate quotes.
- Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map - LaDonna Koeller – State Farm Insurance Agent
4275 N Rancho Dr #155 – Las Vegas, NV 89130 – (702) 636-9447 – View Map - Luria Walker – State Farm Insurance Agent
3124 N Rainbow Blvd – Las Vegas, NV 89108 – (702) 645-3300 – View Map
Finding the right auto insurance agent should depend on more than just the bottom line cost. These are some valid questions you should ask.
- Can they give you a list of client referrals?
- Which members of your family are coverage by the policy?
- How long have they been in business?
- Will high miles depreciate repair valuations?
- Will the agent help in case of a claim?
- Can glass claims be handled at your home?
- Can you use your own choice of collision repair facility?
- Does the company have a solid financial rating?
After getting good answers to these questions as well as an affordable premium quote, you have narrowed it down to a car insurance agent that will properly insure your vehicles.
How to find a good Las Vegas auto insurance company
Buying coverage from a highly-rated car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Las Vegas. The company ratings in the next section may help you decide which auto insurance companies you want to consider shopping prices with.
Top 10 Las Vegas Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
Coverage specifics
Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Auto liability
This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for claims such as repair costs for stationary objects, emergency aid, medical services, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Nevada requires drivers to carry at least 15/30/10 but drivers should carry more coverage.
The illustration below demonstrates why buying low liability limits may not be enough.
Auto collision coverage
This pays for damage to your HHR resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your HHR in order to get cheaper collision rates.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy HHR.
Because many people have only the minimum liability required by law (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits do not exceed the liability coverage limits.
Comprehensive coverages
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like falling objects, fire damage and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, nursing services, funeral costs, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
What is YOUR best insurance company?
People switch companies for any number of reasons including denial of a claim, high rates after DUI convictions, delays in responding to claim requests or delays in paying claims. It doesn’t matter why you want to switch switching auto insurance companies can be less work than you think.
You just learned many tips how you can find cheaper Chevy HHR insurance in Las Vegas. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even be surprised to find that the best price on auto insurance is with a smaller regional carrier.
While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.
For more information, feel free to visit the articles below:
- Think You’re a Safe Driver? (State Farm)
- What Auto Insurance is Cheapest for Teenagers in Las Vegas? (FAQ)
- Who Has Affordable Las Vegas Car Insurance Rates for a Honda Civic? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance Rates for 4×4 Vehicles? (FAQ)
- How Much are Auto Insurance Quotes for College Students in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance Rates for Retired Military in Las Vegas? (FAQ)
- Who Has Cheap Las Vegas Car Insurance Quotes for Teenage Females? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What is a Telematics Device? (Allstate)
- Protecting Teens from Drunk Driving (Insurance Information Institute)