We don’t have to point out that fact that car insurance companies don’t want you to look at other companies. Insureds who get price quotes annually will probably switch to a new company because they stand a good chance of finding coverage at a more affordable price. A recent car insurance study revealed that people who compared rates regularly saved an average of $860 a year as compared to drivers who never shopped around for lower prices.
If finding the cheapest rates on insurance is your target objective, then having some knowledge of how to shop and compare coverage rates can make the process more efficient.
The best way we recommend to find the cheapest price for auto insurance rates in Las Vegas is to compare prices annually from companies in Nevada.
- First, spend a few minutes and learn about policy coverages and the modifications you can make to drop your rates. Many policy risk factors that cause high rates such as at-fault accidents, careless driving, and a substandard credit score can be rectified by making minor changes to your lifestyle. Continue reading for ideas to get low prices and find discounts that you may qualify for.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can quote prices for a wide range of companies.
- Third, compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save money, make sure coverage does not lapse between policies.
A good tip to remember is to make sure you enter the same amount of coverage on every quote and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a good representation of prices.
Companies offering Hummer H3 insurance in Nevada
The car insurance companies shown below offer comparison quotes in Nevada. To buy the best auto insurance in Las Vegas, we suggest you click on several of them to get the best price comparison.
Rates and information analytics
The information shown next showcases estimates of insurance coverage prices for Hummer H3 models. Learning a little about how auto insurance premiums are formulated can help drivers make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $234 | $480 | $296 | $18 | $88 | $1,116 | $93 |
| H3 4WD | $234 | $480 | $296 | $18 | $88 | $1,116 | $93 |
| H3 Luxury Package 4WD | $234 | $480 | $296 | $18 | $88 | $1,116 | $93 |
| H3 Alpha 4WD | $260 | $480 | $296 | $18 | $88 | $1,142 | $95 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in garaging location in Las Vegas which can revise coverage rates significantly.
How high should deductibles be?
One of the most common car insurance questions is where should you set your physical damage deductibles. The tables below may aid in understanding the rate differences of buying low and high policy deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| H3 4WD | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| H3 Luxury Package 4WD | $300 | $564 | $308 | $18 | $92 | $1,307 | $109 |
| H3 Alpha 4WD | $334 | $564 | $308 | $18 | $92 | $1,341 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| H3 Adventure Package 4WD | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| H3 4WD | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| H3 Luxury Package 4WD | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| H3 Alpha 4WD | $244 | $382 | $308 | $18 | $92 | $1,044 | $87 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in garaging location in Las Vegas which can raise or lower insurance rates substantially.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $24 more each month or $288 each year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 17 months between claim filings, you would probably save some money if you choose a higher deductible.
The illustration below demonstrates how choosing different deductibles and can change Hummer H3 insurance prices for each different age group. The prices are based on a married female driver, full coverage, and no discounts are applied.
Insurance discounts are available to lower rates
Insurance can be prohibitively expensive, but there are discounts available that may help make it more affordable. A few discounts will automatically apply at the time you complete a quote, but a few must be manually applied prior to getting the savings.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.
- Discounts for New Vehicles – Insuring a new H3 is cheaper since new vehicles have better safety ratings.
- Multi-policy Discount – If you combine your auto and homeowners policies with one insurance company they may give you a discount of up to 20% and get you cheaper H3 insurance.
- Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
- Save with More Vehicles Insured – Having multiple cars on one policy could earn a price break for each car.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save 10% or more off the medical payments premium.
- Lower Rates for Military – Having a deployed family member may lower your insurance rates slightly.
You can save money using discounts, but most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, that’s just not realistic.
The chart below shows the comparison of Hummer H3 auto insurance costs with and without policy discounts. The data assumes a female driver, no violations or accidents, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, multi-policy, claim-free, and homeowner discounts applied.
The best insurance companies and the discounts they provide are included below.
- Progressive policyholders can earn discounts including online signing, multi-vehicle, good student, multi-policy, homeowner, and continuous coverage.
- SAFECO may include discounts for anti-lock brakes, teen safety rewards, bundle discounts, teen safe driver, anti-theft, homeowner, and drive less.
- American Family has discounts for mySafetyValet, defensive driver, air bags, early bird, TimeAway discount, accident-free, and multi-vehicle.
- MetLife may have discounts that include defensive driver, good driver, claim-free, accident-free, and good student.
- GEICO offers premium reductions for seat belt use, driver training, air bags, anti-theft, daytime running lights, federal employee, and emergency military deployment.
- The Hartford may offer discounts for air bag, anti-theft, driver training, good student, and defensive driver.
If you need lower rates, check with every insurance company which discounts you may be entitled to. Some credits might not be available to policyholders everywhere. To view insurance companies with the best Hummer H3 insurance discounts in Las Vegas, follow this link.
Get rate quotes but buy from a local Las Vegas insurance agency
Many drivers still prefer to have an agent’s advice and there is nothing wrong with that. An additional benefit of price shopping on the web is you may find lower premium rates but also keep your business local. Supporting local agencies is important particularly in Las Vegas.
To find an agent, once you fill out this quick form, the coverage information is transmitted to local insurance agents in Las Vegas who will give you bids and help you find cheaper coverage. You won’t even need to visit any agencies since rate quotes are delivered to your email. Get lower rates and work with a local agent. In the event you want to get a price quote from a specific car insurance provider, just visit that company’s website and give them your coverage information.
Exclusive or Independent: There is a difference
If you prefer to buy car insurance from a reputable agency, you should know the types of agencies that you can choose from. Car insurance agents in Las Vegas are considered either independent or exclusive.
Independent Agencies or Brokers
Agents of this type are appointed with more than one company and that gives them the ability to insure through many different car insurance companies and get you the best rates possible. If they find a lower price, your policy is moved internally and you won’t have to switch agencies. When comparing car insurance rates, you will want to compare quotes from at least one independent agent so that you have a good selection of quotes to compare. A lot of them also have access to smaller regional carriers that many times have cheaper rates.
Shown below are Las Vegas independent agencies who may be able to give you pricing information.
- Insurance Specialists – Auto and Home Agency
5025 S Eastern Ave #20 – Las Vegas, NV 89119 – (702) 307-3398 – View Map - Red Rock Insurance
1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330 – View Map - Nationwide Insurance: The Delbrocco Agency
5150 Spring Mountain, Unit 11 – Las Vegas, NV 89146 – (702) 730-0009 – View Map
Exclusive Agents
These agents write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies so you might not find the best rates. These agents are trained well on what they offer which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents mostly because of the brand name rather than low price.
The following are Las Vegas exclusive insurance agents who can help you get rate quotes.
- Juan Diaz – State Farm Insurance Agent
1718 S Eastern Ave – Las Vegas, NV 89104 – (702) 489-4242 – View Map - Farmers Insurance – Nino Jimenez
3375 Glen Ave #10 – Las Vegas, NV 89121 – (702) 696-1606 – View Map - Mario Giannini – State Farm Insurance Agent
9484 W Lake Mead Blvd #7 – Las Vegas, NV 89134 – (702) 982-3300 – View Map
Picking the best insurance agent should depend on more than just a cheap quote. These are valid questions to ask:
- Is coverage determined by price?
- When do they do policy reviews?
- Can you use your own choice of collision repair facility?
- Do they assist clients in filing claims?
- How much training do they have in personal risk management?
- Is the agency active in community causes in Las Vegas?
- Which companies can they place coverage with?
After receiving good answers to your questions and an acceptable price quote, you may have just found an insurance agent that is a good match to provide car insurance coverage. But remember, you can always cancel coverage whenever you wish so never assume that you’re stuck with any specific agency for the entire policy term.
In conclusion
People switch companies for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, being labeled a high risk driver or even delays in responding to claim requests. No matter why you want to switch, switching car insurance companies is less work than it seems.
We’ve covered many ways to lower your Hummer H3 insurance rates in Las Vegas. The key thing to remember is the more quotes you get, the better your chances of lowering your auto insurance rates. You may even find the lowest rates are with an unexpected company.
As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.
Additional car insurance information is located below:
- Crash Avoidance Technologies FAQ (iihs.org)
- How Much is Auto Insurance for Ride Shares in Las Vegas? (FAQ)
- How Much are Car Insurance Quotes for Drivers Over Age 60 in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Auto Insurance Rates for a 20 Year Old Male in Las Vegas? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Choosing an Insurance Company (Insurance Information Institute)