The most effective way to find the cheapest price for car insurance rates in Las Vegas is to compare prices regularly from insurance carriers that insure vehicles in Nevada.
First, take a little time to learn about individual coverages and the modifications you can make to prevent rate increases. Many rating factors that cause rate increases such as traffic tickets, fender benders, and an imperfect credit score can be amended by making minor driving habit or lifestyle changes.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for many different companies.
Third, compare the new rates to the premium of your current policy and see if you can save money. If you find better rates and decide to switch, ensure coverage does not lapse between policies.
Fourth, provide written notification to your current company to cancel the current policy. Submit the required down payment along with the signed application for your new policy. As soon as coverage is bound, safely store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
One important bit of advice is that you use similar deductibles and liability limits on each quote and and to get prices from as many companies as possible. Doing this provides an apples-to-apples comparison and a good representation of prices.
It’s safe to assume that insurance companies want to prevent you from shopping around. Drivers who get price quotes annually will, in all likelihood, move their business because of the high probability of finding a more affordable policy. A recent survey found that people who compared prices regularly saved on average $865 a year compared to drivers who don’t regularly compare prices.
If finding budget-friendly insurance in Las Vegas is why you’re here, understanding how to find companies and compare insurance premiums can help make the process easier.
Finding the cheapest car insurance coverage in Las Vegas is not that difficult as long as you know where to start. If you are already insured, you stand a good chance to be able to find the best rates using this strategy. Nevertheless, Nevada consumers can benefit by having an understanding of the methods companies use to calculate your car insurance rates because it can help you find the best coverage.
Most companies such as State Farm, Allstate and GEICO allow you to get price estimates online. Doing online quotes for Hyundai Entourage insurance in Las Vegas doesn’t take much effort because you just enter your required coverages as detailed in the form. After the form is submitted, their quoting system orders information on your driving record and credit history and generates a price based on these and other factors.
Getting online rates for Hyundai Entourage insurance in Las Vegas streamlines rate comparisons, and it’s absolutely necessary to compare as many rates as possible if you are searching for affordable car insurance pricing.
To save time and find out if lower rates are available, compare quotes from the companies shown below. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. This ensures you will get rate quotes using the exact same coverages.
The following companies are our best choices to provide free quotes in Las Vegas, NV. To locate the best auto insurance in Nevada, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Score discounts on Las Vegas insurance
Buying insurance is not cheap, but you might be missing out on some discounts that you may not even know about. Many discounts should be triggered at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings.
- Discount for Multiple Policies – If you can bundle your home and auto insurance and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
- Paperwork-free – Some of the larger companies will give you a small discount for buying your policy on the web.
- Passive Restraints and Air Bags – Factory air bags can receive discounts of 25 to 30%.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a Las Vegas car insurance quote.
- Good Student – Excelling in school can save 20 to 25%. The discount lasts up until you turn 25.
- Pay Early and Save – By making one initial payment instead of paying each month you could save up to 5%.
- Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
- Low Mileage – Driving less may enable drivers to earn lower insurance rates due to less chance of an accident.
You should keep in mind that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will definitely lower the premium cost.
Larger insurance companies and a partial list of their discounts are included below.
- American Family policyholders can earn discounts including bundled insurance, air bags, TimeAway discount, early bird, good driver, Steer into Savings, and multi-vehicle.
- Nationwide includes discounts for family plan, good student, anti-theft, easy pay, business or organization, and accident-free.
- MetLife has discounts for good driver, claim-free, multi-policy, accident-free, defensive driver, good student
- 21st Century may include discounts for 55 and older, anti-lock brakes, theft prevention, student driver, and air bags.
- Farmers Insurance offers discounts for mature driver, distant student, electronic funds transfer, youthful driver, and bundle discounts.
- Allstate discounts include senior citizen, passive restraint, anti-lock brakes, auto/life discount, new car, safe driver, and good payer.
Before purchasing a policy, check with each insurance company how many discounts you can get. Some credits might not apply in every state.
Local Las Vegas auto insurance agents and insurance
A lot of people prefer to sit down with an agent and that is recommended in a lot of cases One of the great benefits of comparing insurance online is the fact that drivers can get cheaper prices but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your information is sent to local insurance agents in Las Vegas who can give free rate quotes for your business. You don’t have to drive around because prices are sent directly to your email. You can get cheaper insurance rates without requiring a lot of work. If you need to get a price quote from a particular provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Finding the right insurer should include more criteria than just the bottom line cost. Below are some questions you should ask.
- Do they write coverage based solely on cost?
- Do you need full coverage on every vehicle?
- How is replacement cost determined on your vehicle?
- Do they carry Errors and Omissions coverage?
- Does the company have a solid financial rating?
- Do they specialize in personal lines auto insurance in Las Vegas?
- Can they give you a list of client referrals?
The type of car insurance agent you choose is important
If you want to use a local Las Vegas insurance agency, there are two different agency structures that differ in how they can insure your vehicles. Insurance agents can either be independent agents or exclusive agents.
Exclusive Insurance Agents
Agents in the exclusive channel work for only one company and some examples include State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so always compare other rates. Exclusive agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point. Many people buy from the same agent for years mainly due to the prominent brand name and solid financial strength.
Below is a short list of exclusive insurance agencies in Las Vegas that are able to give comparison quotes.
- Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500 – View Map - Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map - Juan Diaz State Farm®
352 S Jones Blvd – Las Vegas, NV 89107 – (702) 870-0444 – View Map
Independent Insurance Agents
Independent insurance agents can quote rates with many companies so they can write business with any number of different companies and potentially find a lower price. If they find a lower price, they simply move your policy to a different company and you won’t have to switch agencies. When comparing insurance prices, we recommend you compare quotes from several independent insurance agents in order to have the best price comparison. Many independent agencies also insure through additional companies that you may not be familiar with which can save you money.
Shown below are Las Vegas independent agencies who can help you get price quote information.
- All Around Insurance Agency, Inc.
3970 N Tenaya Way #110 – Las Vegas, NV 89129 – (725) 696-7707 – View Map - Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map - Superior Insurance
2511 Stewart Ave – Las Vegas, NV 89101 – (702) 721-7575 – View Map
Once you have received acceptable answers to these questions and an acceptable price quote, chances are good that you have found an insurance agency that meets the criteria to provide insurance coverage.
What insurance coverages do I need?
When it comes to choosing your policy, there really is no one size fits all plan. Every situation is different.
Here are some questions about coverages that can help discover if your situation would benefit from professional advice.
- When can I cancel my policy?
- What is the ISO rating for a Hyundai Entourage?
- Will my rates increase for filing one claim?
- Can I afford to buy a different vehicle if my Hyundai Entourage is totaled?
- Is my camper covered by my car insurance policy?
- Do I benefit by insuring my home with the same company?
- Is a driver training discount available?
- Should I sign the liability waiver when renting a car?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.
Smart Consumers Can Cut Insurance Costs
A large part of saving on car insurance is knowing the different types of things that aid in calculating car insurance rates. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
Listed below are a partial list of the pieces companies use to determine your rate level.
- Do males or females drive better? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both sexes are responsible for auto accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also statistically get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
- Your credit history is important – An insured’s credit score can be a huge factor in determining what you pay. If your credit history is lower than you’d like, you could potentially save money when insuring your Hyundai Entourage by improving your credit score. People with high credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings.
- Discounts for married drivers – Having a spouse actually saves money when buying car insurance. Having a significant other is viewed as being more mature and it’s statistically proven that married drivers tend to have fewer serious accidents.
- Low stress employer equals lower rates – Did you know that where you work can have an impact on rates? Occupations like military personnel, business owners, and emergency personnel tend to have higher rates than average because of high stress and long work hours. Conversely, professions such as actors, students and homemakers pay lower than average rates.
- Policy add-ons may be wasting money – There are quite a few extra coverages that can waste your money on your car insurance policy. Add-on coverages like personal injury protection, better glass coverage, and term life insurance could be just wasting money. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
- Older drivers save more – Drivers with little experience are statistically shown to get distracted easily in a vehicle so they pay higher car insurance rates. Having to add a beginning driver onto a policy can really hurt. More mature drivers are viewed as being more responsible, tend to file fewer claims, and are safer drivers.
- The more you drive the more you pay – Driving a lot of miles in a year’s time the more you will pay for car insurance. A lot of insurance companies calculate prices determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates than vehicles that have high annual mileage. It’s always a good idea to double check that your car insurance policy states how each vehicle is driven. Having an incorrect usage rating on your Entourage is just wasting money.
- More policies can equal more savings – Most major insurers afford lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. The discount can be as much as ten percent or more Even if you qualify for this discount already, it’s still a good idea to comparison shop to help ensure you have the lowest rates. Consumers may find a better deal by buying car insurance from a different company.
Three reasons auto insurance is important
Even though Las Vegas Entourage insurance rates can get expensive, buying auto insurance may not be optional for several reasons.
- The majority of states have minimum liability requirements which means you are required to buy a specific level 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 vehicle, almost all lenders will make it a condition of the loan that you buy insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank will be required to insure your Hyundai at an extremely high rate and force you to pay the higher premium.
- Insurance safeguards both your assets and your vehicle. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of insuring your Entourage definitely exceed the price paid, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so shop around once a year at a minimum to ensure rates are competitive.
One last note
In this article, we presented some good ideas how to find cheap Hyundai Entourage insurance in Las Vegas. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Drivers may even discover the most savings is with an unexpected company.
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.
People switch companies for any number of reasons including an unsatisfactory settlement offer, denial of a claim, delays in responding to claim requests and extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
More information
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap Auto Insurance for 19 Year Olds in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance for Government Employees in Las Vegas? (FAQ)
- Who Has the Cheapest Auto Insurance for a Toyota RAV4 in Las Vegas? (FAQ)
- Get the Right Protection (InsureUonline.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)