Anyone knows that car insurance companies don’t want you to compare rates. Insureds who get comparison quotes at least once a year are very likely to switch car insurance companies because there are good odds of finding a policy with more affordable rates. A study showed that consumers who shopped around saved $3,400 over four years compared to policyholders who never shopped for cheaper rates.
If finding discount rates on car insurance is the reason you’re reading this, learning how to find companies and compare insurance coverage can help simplify the task of finding more affordable coverage.
The easiest way to find lower priced car insurance rates in Las Vegas is to make a habit of comparing prices annually from insurers who provide car insurance in Nevada. Prices can be compared by following these guidelines.
- Take a few minutes and learn about how your policy works and the changes you can make to keep rates low. Many rating criteria that result in higher prices such as your driving record and bad credit can be amended by making minor changes in your lifestyle.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while independent agents can give you price quotes from many different companies. View rates
- Compare the new rate quotes to your current policy to see if you can save by switching companies. If you can save money and change companies, make sure there is no lapse in coverage.
An important part of this process is to try to use identical coverage information on each price quote and and to compare every insurance company. This ensures an apples-to-apples comparison and maximum price selection.
If you are paying for car insurance now, you stand a good chance to be able to save money using the techniques covered below. Shopping for affordable coverage in Las Vegas is not as hard as you think. But Nevada drivers can benefit from knowing how big insurance companies market insurance on the web because it can help you find the best coverage.
Dodge Charger insurance quotes comparison
Just remember that comparing all the rates in your area will improve the odds of getting the best price. Some regional insurers cannot provide online price quotes, so you also need to get price estimates from the smaller companies as well.
The providers in the list below have been selected to offer free rate quotes in Nevada. If you want to find the best cheap car insurance in Las Vegas, we suggest you compare several of them to get a more complete price comparison.
Rates and other information
The premium table displayed next showcases a range of coverage costs for Dodge Charger models. Learning a little about how insurance policy premiums are figured can help customers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger AWD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger 3.5 AWD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger SXT | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger SXT AWD | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger Rallye | $258 | $486 | $436 | $26 | $130 | $1,336 | $111 |
| Charger R/T | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| Charger Rallye AWD | $258 | $560 | $436 | $26 | $130 | $1,410 | $118 |
| Charger R/T AWD | $284 | $560 | $436 | $26 | $130 | $1,436 | $120 |
| Charger SRT-8 | $284 | $560 | $436 | $26 | $130 | $1,436 | $120 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can change coverage rates substantially.
Deductible comparison
One frequently asked question is which comprehensive and collision deductibles to buy. The following tables illustrate the cost difference when you select higher and lower insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger AWD | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger 3.5 AWD | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger SXT | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger SXT AWD | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger Rallye | $334 | $564 | $386 | $22 | $116 | $1,447 | $121 |
| Charger R/T | $334 | $650 | $386 | $22 | $116 | $1,533 | $128 |
| Charger Rallye AWD | $334 | $650 | $386 | $22 | $116 | $1,533 | $128 |
| Charger R/T AWD | $368 | $650 | $386 | $22 | $116 | $1,567 | $131 |
| Charger SRT-8 | $368 | $650 | $386 | $22 | $116 | $1,567 | $131 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger AWD | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger 3.5 AWD | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger SXT | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger SXT AWD | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger Rallye | $244 | $382 | $386 | $22 | $116 | $1,150 | $96 |
| Charger R/T | $244 | $438 | $386 | $22 | $116 | $1,206 | $101 |
| Charger Rallye AWD | $244 | $438 | $386 | $22 | $116 | $1,206 | $101 |
| Charger R/T AWD | $268 | $438 | $386 | $22 | $116 | $1,230 | $103 |
| Charger SRT-8 | $268 | $438 | $386 | $22 | $116 | $1,230 | $103 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in vehicle garaging location which can affect premium rates considerably.
Based on the figures above, using a $100 deductible would cost the average driver about $26 more each month or $312 each year than quoting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 15 months between claims, you would more than likely save some money if you elect the higher deductible. Below is the way you can make your own decision.
| Average monthly premium for $100 deductibles: | $124 |
| Average monthly premium for $500 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
How careless driving impacts auto insurance rates
The illustration below shows how speeding tickets and accidents impact Dodge Charger insurance rates for each age group. The rate quotes are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
Dodge Charger insurance rates by age and gender
The illustration below shows the comparison of Dodge Charger auto insurance rates for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.
Difference between liability only and full coverage rates
The example below shows the comparison of Dodge Charger auto insurance rates when comparing full coverage to liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no written rule that works best for making the decision to drop full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s say your Dodge Charger claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your deductible. If you are paying more than $600 annually for full coverage, then you may need to consider dropping full coverage.
There are some scenarios where only buying liability is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Local Las Vegas insurance agents and car insurance
A lot of people just prefer to talk to a local agent and often times that is recommended One of the best bonuses of getting free rate quotes online is that you can obtain lower rates and still choose a local agent. Buying from local insurance agencies is definitely important in Las Vegas.
For easy comparison, once you complete this form (opens in new window), your coverage information is instantly submitted to companies in Las Vegas who will give you bids to get your business. There is no reason to do any legwork as quotes are delivered instantly to you. You can find lower rates without requiring a lot of work. If you have a need to quote rates from a specific company, you would need to find their quoting web page and complete a quote there.
Listed below is a short list of auto insurance companies in Las Vegas who can help you get price quotes for Dodge Charger insurance in Las Vegas.
- Insurance Specialists – Auto and Home Agency
5025 S Eastern Ave #20 – Las Vegas, NV 89119 – (702) 307-3398 – View Map - Luria Walker – State Farm Insurance Agent
3124 N Rainbow Blvd – Las Vegas, NV 89108 – (702) 645-3300 – View Map - Chris Lopez – State Farm Insurance Agent
11700 W Charleston Blvd #175 – Las Vegas, NV 89135 – (702) 870-3663 – View Map - Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777 – View Map
Finding a good company requires more thought than just the quoted price. Any good agent in Las Vegas should know the answers to these questions.
- How long has their agency been in business in Las Vegas?
- How much experience to they have in personal lines coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the company allow you to choose your own collision repair facility?
- Do the agents have professional certifications like CPCU or CIC?
How to find a good Nevada car insurance company
Choosing the highest-rated insurance provider can be rather challenging considering how many companies sell insurance in Las Vegas. The rank data in the lists below can help you pick which car insurance providers you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies