Unimaginable but true, the vast majority of insurance customers have been with the same company for more than four years, and nearly the majority have never compared quotes from other companies. The average driver in Las Vegas could save 35% a year by just comparing rate quotes, but they just don’t want to find affordable insurance by shopping around.
Truthfully, the best way to get more affordable Land Rover LR4 insurance in Las Vegas is to begin comparing prices regularly from different companies who can sell car insurance in Nevada. You can shop around by following these steps.
First, try to learn about individual coverages and the modifications you can make to lower rates. Many policy risk factors that are responsible for high rates like inattentive driving and a not-so-good credit history can be remedied by being financially responsible and driving safely. Read the full article for additional ideas to keep prices down and earn larger discounts.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes for a wide range of insurance providers.
Third, compare the new rate quotes to your current policy to see if cheaper LR4 coverage is available. If you find a better price and make a switch, make sure coverage does not lapse between policies.
Fourth, provide written notification to your current company of your decision to cancel your current coverage and submit the required down payment along with the signed application to the new company. Once the paperwork is finalized, put the new certificate of insurance in your vehicle.
An important bit of advice to remember is that you use the same deductibles and limits on each quote request and and to compare all possible companies. Doing this ensures a level playing field and a complete price analysis.
If you currently have auto insurance, you stand a good chance to be able to cut your premiums using the ideas covered in this article. Locating cheaper auto insurance policy in Las Vegas is not as time-consuming as you think. But Nevada car owners benefit from understanding how the larger insurance companies determine prices because rates fluctuate considerably.
When comparing auto insurance rates, know that quoting more will improve the odds of getting the best rates. Some insurance companies are not set up to provide Las Vegas LR4 insurance quotes over the internet, so it’s important to compare price estimates from them as well.
The companies shown below provide free rate quotes in Las Vegas, NV. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
Three good reasons to insure your Land Rover vehicle
Despite the potentially high cost of Land Rover LR4 insurance, car insurance is required by state law in Nevada and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Land Rover LR4, it’s guaranteed your bank will require you to have physical damage coverage to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Land Rover at a much higher rate and make you pay for the expensive policy.
- Insurance safeguards both your Land Rover LR4 and your assets. Insurance will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance definitely exceed the cost, especially for larger claims. But the average American driver is currently overpaying as much as $700 annually so it’s very important to do a rate comparison every year to ensure rates are competitive.
Insurance coverage details
The premium information displayed next outlines different coverage costs for Land Rover LR4 models. Having insight into how premiums are established can assist in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $300 | $500 | $318 | $18 | $96 | $1,232 | $103 |
| LR4 HSE | $300 | $500 | $318 | $18 | $96 | $1,232 | $103 |
| LR4 HSE Plus | $300 | $566 | $318 | $18 | $96 | $1,298 | $108 |
| LR4 LUX | $328 | $566 | $318 | $18 | $96 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific Las Vegas garaging location which can raise or lower auto insurance rates noticeably.
Raise deductibles and save
One frequently asked question is how high should the physical damage deductibles be. The comparison tables below can help you understand the difference in cost when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $368 | $650 | $308 | $18 | $92 | $1,461 | $122 |
| LR4 HSE | $368 | $650 | $308 | $18 | $92 | $1,461 | $122 |
| LR4 HSE Plus | $368 | $736 | $308 | $18 | $92 | $1,547 | $129 |
| LR4 LUX | $402 | $736 | $308 | $18 | $92 | $1,581 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $268 | $438 | $308 | $18 | $92 | $1,124 | $94 |
| LR4 HSE | $268 | $438 | $308 | $18 | $92 | $1,124 | $94 |
| LR4 HSE Plus | $268 | $496 | $308 | $18 | $92 | $1,182 | $99 |
| LR4 LUX | $294 | $496 | $308 | $18 | $92 | $1,208 | $101 |
| 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, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific garaging location which can change premiums noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $29 more each month or $348 a year than selecting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claim filings, you would probably be better off by going with a higher deductible.
Cheap Las Vegas insurance rates with discounts
Insurance is easily one of your largest bills, but there could be significant discounts to help bring down the price. Some discounts apply automatically at the time you complete a quote, but occasionally some discounts must be specifically requested prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.
- Discount for Life Insurance – Select insurance carriers reward you with a lower premium rate if you buy some life insurance in addition to your auto policy.
- Early Renewal Discounts – Some insurance companies reward drivers for switching policies prior to the expiration date on your current LR4 insurance policy. This can save 10% or more.
- Senior Citizen Rates – Older drivers can get better insurance rates.
- Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt can save a little off the PIP or medical payment premium.
- Telematics Devices – Policyholders that allow companies to scrutinize their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
- Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
- Good Student – Excelling in school can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
- Payment Method – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
One thing to note about discounts is that most discounts do not apply to the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you could get a free insurance policy, nobody gets a free ride. But any discount should help lower the amount you have to pay.
The illustration below compares Land Rover LR4 insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, claim-free, multi-car, and multi-policy discounts applied.
To locate providers with the best Land Rover LR4 insurance discounts in Las Vegas in Nevada, click this link.
Shop online but buy locally
Certain consumers still prefer to get advice from a local agent and that is a smart decision The best thing about price shopping on the web is you may find lower prices and still choose a local agent. Buying insurance from neighborhood agents is important particularly in Las Vegas.
To find an agent, once you fill out this simple form, your coverage information is instantly submitted to participating agents in Las Vegas that can give you free Las Vegas auto insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent to you directly. You can find lower rates and a licensed agent to talk to. If you have a need to get a comparison quote from a specific insurance provider, you just need to find their quoting web page and fill out their quote form.
Different types of car insurance agents in Las Vegas
If you want to buy insurance from a reputable agency, it’s helpful to know the types of insurance agents and how they work. Las Vegas agents can be classified as either independent agents or exclusive agents depending on their employer.
Independent Agents (or Brokers)
Agents of this type do not write with just one company and that allows them to write policies through lots of different companies and find the cheapest rate. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent.
When comparing insurance rates, it’s a good idea to get some free quotes from several independent agencies to get the most accurate price comparison. A lot of them also have access to smaller regional carriers which can be an advantage.
Listed below is a small list of independent insurance agencies in Las Vegas that may be able to give free insurance rate quotes.
- A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 – View Map - Desert Shores Insurance Services
3211 N Tenaya Way #115 – Las Vegas, NV 89129 – (702) 363-8040 – View Map - Bleecher Insurance
3085 S Jones Blvd – Las Vegas, NV 89146 – (702) 477-7776 – View Map
Exclusive Agencies
Agents that choose to be exclusive can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are usually well trained on the products they sell which helps them sell on service rather than price. A lot of people buy from exclusive agents mainly due to the prominent brand name and solid financial strength.
Shown below are exclusive insurance agencies in Las Vegas who can help you get price quotes.
- LaDonna Koeller – State Farm Insurance Agent
4275 N Rancho Dr #155 – Las Vegas, NV 89130 – (702) 636-9447 – View Map - Jeremy Walser – State Farm Insurance Agent
1725 S Rainbow Blvd #11 – Las Vegas, NV 89146 – (702) 367-1991 – View Map - State Farm: Eric James
1350 E Flamingo Rd #14 – Las Vegas, NV 89119 – (702) 836-0953 – View Map
Finding the right auto insurance agent shouldn’t rely on just the premium amount. Before buying a policy in Las Vegas, get answers to these questions.
- Will one accident increase rates?
- How long has their agency been open in Las Vegas?
- Is assistance available after office hours?
- Are they involved in claim handling?
- How many companies do they write for?
- What kind of financial rating does the company have?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- If independent agents, which companies do they recommend?
Which auto insurance company is best in Las Vegas?
Ending up with the best insurance company can be rather challenging considering how many companies provide coverage in Las Vegas. The information in the next section can help you choose which car insurance companies you want to consider putting your business with.
Top 10 Las Vegas Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Frequent quotes can save
You just read a lot of tips how to save on Land Rover LR4 insurance in Las Vegas. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with the least-expected company.
Lower-priced Land Rover LR4 insurance in Las Vegas is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. A few companies do not provide online rate quotes and most of the time these smaller providers sell through local independent agents.
As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.
Additional information is available on the following sites:
- Distracted Driving Extends Beyond Texting (State Farm)
- What Insurance is Cheapest for Good Students in Las Vegas? (FAQ)
- How Much is Auto Insurance for Drivers Under 21 in Las Vegas? (FAQ)
- Who Has Affordable Las Vegas Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for State Employees? (FAQ)
- Coverage Information (Progressive Insurance)
- Safety Tips for Teen Drivers (Insurance Information Institute)