Remarkably, a study showed that about 70% of customers kept buying from the same company for at least four years, and about 40% of consumers have never compared rate quotes at all. With the average premium in America being $1,847, drivers could save about $860 every year, but they don’t believe the large savings they would see if they just switched companies.
It takes a few minutes, but the best way to get cheaper car insurance rates is to begin comparing prices regularly from insurers in Las Vegas.
- Step 1: Read and learn about coverages and the things you can control to prevent high rates. Many factors that are responsible for high rates such as careless driving and a less-than-favorable credit rating can be eliminated by paying attention to minor details.
- Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can give you price quotes from many different companies. View prices
- Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available in Las Vegas. If you can save some money and switch companies, make sure coverage does not lapse between policies.
- Step 4: Notify your agent or company of your decision to cancel your current policy and submit the completed application along with a down payment to your new agent or company. Don’t forget to keep your new proof of insurance certificate along with the vehicle’s registration papers.
One thing to remember is that you’ll want to compare similar coverage information on each price quote and and to get rates from as many different companies as possible. This provides a fair rate comparison and a complete selection of prices.
Finding affordable coverage in Las Vegas is really quite easy. If you are paying for car insurance now, you will surely be able to get lower rates using the techniques covered below. Nevertheless, Nevada drivers should learn how companies determine what you pay because it varies considerably.
The method we recommend to compare insurance rates from multiple companies is to understand auto insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is give the companies some data such as if your license is active, whether or not you need a SR-22, marital status, and an estimate of your credit level. That rating information is sent automatically to multiple top-rated companies and they provide comparison quotes within a short period of time.
To check rates for your car now, click here and find out if you can get cheaper insurance in Las Vegas.
The following companies offer free quotes in Las Vegas, NV. If you want cheap car insurance in Las Vegas, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
Data for Mercury Mariner insurance
The premium table displayed next showcases estimates of insurance rates for Mercury Mariner models. Understanding how policy premiums are calculated is important for making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $228 | $372 | $340 | $20 | $102 | $1,062 | $89 |
| Mariner Premier 2WD | $228 | $454 | $340 | $20 | $102 | $1,144 | $95 |
| Mariner AWD | $228 | $454 | $340 | $20 | $102 | $1,144 | $95 |
| Mariner Hybrid 2WD | $228 | $534 | $400 | $24 | $120 | $1,306 | $109 |
| Mariner Premier AWD | $258 | $454 | $340 | $20 | $102 | $1,174 | $98 |
| Mariner Hybrid AWD | $258 | $534 | $400 | $24 | $120 | $1,336 | $111 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in garaging location in Las Vegas which can lower or raise coverage rates considerably.
Car insurance deductibles
A question often asked by Las Vegas drivers is where should you set your physical damage deductibles. The figures shown below approximate the cost difference between high and low policy deductibles. The first set of rates uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $238 | $330 | $262 | $16 | $78 | $949 | $79 |
| Mariner Premier 2WD | $238 | $402 | $262 | $16 | $78 | $1,021 | $85 |
| Mariner AWD | $238 | $402 | $262 | $16 | $78 | $1,021 | $85 |
| Mariner Hybrid 2WD | $238 | $472 | $308 | $18 | $92 | $1,153 | $96 |
| Mariner Premier AWD | $268 | $402 | $262 | $16 | $78 | $1,051 | $88 |
| Mariner Hybrid AWD | $268 | $472 | $308 | $18 | $92 | $1,183 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $148 | $208 | $262 | $16 | $78 | $712 | $59 |
| Mariner Premier 2WD | $148 | $252 | $262 | $16 | $78 | $756 | $63 |
| Mariner AWD | $148 | $252 | $262 | $16 | $78 | $756 | $63 |
| Mariner Hybrid 2WD | $148 | $298 | $308 | $18 | $92 | $864 | $72 |
| Mariner Premier AWD | $166 | $252 | $262 | $16 | $78 | $774 | $65 |
| Mariner Hybrid AWD | $166 | $298 | $308 | $18 | $92 | $882 | $74 |
| Get Your Own Custom Quote Go | |||||||
Prices above 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, claim-free, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can affect premiums substantially.
Based on the figures above, using a $250 deductible will cost in the ballpark of $23 more each month or $276 a year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 33 months between claims, you would probably save some money if you elect the higher deductible.
Price comparison of only insuring for liability
The example below illustrates the comparison of Mercury Mariner insurance prices with full coverage compared to only the Nevada minimum liability coverage. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop full coverage
There is no exact formula of when to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Mercury Mariner settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after you pay the deductible. If it’s costing you more than $300 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Las Vegas insurance discounts for a Mercury Mariner
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that you may not even be aware of. Many discounts should be triggered at the time of quoting, but lesser-known reductions have to be inquired about prior to getting the savings.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may qualify for discounts up to 30%.
- Telematics Discount – Las Vegas drivers who agree to allow their insurance company to track their driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like GEICO and Liberty Mutual may permit one accident before they charge you more for coverage if your claims history is clear for a set time period.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Las Vegas auto insurance quote.
We need to note that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, you’re out of luck.
The example below shows the comparison of Mercury Mariner premium costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.
A list of companies and a selection of discounts include:
- GEICO may include discounts for driver training, emergency military deployment, federal employee, anti-theft, five-year accident-free, defensive driver, and daytime running lights.
- Mercury Insurance may have discounts that include accident-free, type of vehicle, professional/association, low natural disaster claims, multi-car, location of vehicle, and ease of repair.
- Farmers Insurance offers discounts including mature driver, alternative fuel, multi-car, teen driver, homeowner, distant student, and bundle discounts.
- Auto-Owners Insurance offers discounts for air bags, safe vehicle, teen driver, anti-theft, and student away at school.
- Liberty Mutual has discounts for new graduate, preferred payment discount, exclusive group savings, hybrid vehicle, newly retired, new move discount, and multi-policy.
- SAFECO offers premium reductions for teen safety rewards, multi-car, accident prevention training, anti-lock brakes, and homeowner.
- Progressive discounts include continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and online signing.
- USAA has savings for good student, vehicle storage, military installation, defensive driver, multi-vehicle, and driver training.
Before purchasing a policy, check with every insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To see insurance companies who offer car insurance discounts in Nevada, click here to view.
Why you need quality insurance for your vehicle
Despite the high cost of buying insurance for a Mercury Mariner in Las Vegas, insurance is most likely required but also gives you several important benefits.
First, just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to drive the car. 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.
Second, if you have a lien on your car, more than likely the lender will stipulate that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Mercury at a more expensive rate and force you to pay much more than you were paying before.
Third, insurance preserves both your assets and your Mercury Mariner. It will also provide coverage for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Mercury as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance definitely exceed the price paid, especially when you need to use it. But the average American driver is wasting up to $855 a year so shop around once a year at a minimum to save money.
Which auto insurance company is best in Las Vegas?
Ending up with a highly-rated company is hard considering how many companies there are to choose from in Las Vegas. The information shown below may help you select which auto insurance companies you want to consider purchasing from.
Top 10 Las Vegas Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Do I need an insurance agency?
Some consumers just prefer to go talk to an agent and that is a personal choice. One of the benefits of comparing insurance prices online is that drivers can save money and get cheap rate quotes and also buy local.
Upon completion of this simple form, the quote information is immediately sent to insurance agents in Las Vegas who will give you quotes to get your business. It makes it easy because there is no need to do any legwork since rate quotes are delivered straight to your inbox. You can find the lowest rates AND an agent nearby. In the event you want to quote rates from a specific insurance provider, you would need to search and find their rate quote page and give them your coverage information.
Choosing an insurance company should depend on more than just a cheap price. These questions are important to ask:
- Is the agent properly licensed in Nevada?
- Are they able to influence company decisions when a claim is filed?
- Do they make recommendations based only on price?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, will your rates go up?
- Does their agency support local causes in Las Vegas?
Las Vegas auto insurance agents come in two flavors
If you are searching for a good Las Vegas insurance agent, you must know there are a couple different types of agents and how they can quote your rates. Agents are either independent or exclusive.
Exclusive Insurance Agencies
Exclusive insurance agents work for only one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on their company’s products which aids in selling service over price. Consumers sometimes buy from the same agent for years mostly because of loyalty to the company and solid financial strength.
Listed below are Las Vegas exclusive agents that are able to give comparison quotes.
- Mario Giannini – State Farm Insurance Agent
9484 W Lake Mead Blvd #7 – Las Vegas, NV 89134 – (702) 982-3300 – View Map - Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500 – View Map - State Farm: Gregory A Moore
4312 W Charleston Blvd – Las Vegas, NV 89102 – (702) 870-9298 – View Map
Independent Agencies or Brokers
Agents in the independent channel often have many company appointments so as a result can place your coverage with many different companies and find the cheapest insurance rates. If your agent finds better pricing, the business is moved internally and that require little work on your part. If you are trying to find cheaper rates, we recommend you check rates from multiple independent agents to have the most options to choose from. Many write coverage with companies that do not advertise much who may have lower rates.
Below are independent insurance agents in Las Vegas that can give you price quote information.
- Bleecher Insurance
3085 S Jones Blvd – Las Vegas, NV 89146 – (702) 477-7776 – View Map - Insurance Specialists – Auto and Home Agency
5025 S Eastern Ave #20 – Las Vegas, NV 89119 – (702) 307-3398 – View Map - Leavitt Group – Leavitt Insurance Agency
7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010 – View Map
Once you have satisfactory answers for all questions you ask and an affordable coverage quote, you may have found a car insurance agent that can be trusted to properly insure your vehicles.