Best Ways to Save on Las Vegas, NV Auto Insurance

The preferred way to find affordable car insurance prices in Las Vegas is to regularly compare price quotes from providers who sell auto insurance in Nevada.

• First, spend some time learning about how companies set rates and the changes you can make to prevent rate increases. Many things that cause rate increases like multiple speeding tickets and an unacceptable credit score can be rectified by being financially responsible and driving safely. Continue reading for ideas to prevent expensive rate increases and get additional discounts that may have been overlooked.
• Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can quote prices from multiple insurance companies.
• Third, compare the price quotes to your existing rates and see if there is a cheaper rate in Las Vegas. If you find a better price, make sure there is no coverage gap between policies.

The most important part of this process is to make sure you’re comparing the same amount of coverage on each quote and and to get prices from as many different insurance providers as possible. This guarantees an accurate price comparison and the most accurate and complete price analysis.

A recent NerdWallet.com study revealed that the vast majority of consumers in Nevada renewed their policy with the same company for at least four years, and just under half have never quoted insurance rates at all. The average driver in America could save an average of $860 each year just by shopping around, but they just don’t understand how easy it is to do a rate comparison.

Companies offering affordable rates in Nevada

The companies shown below are our best choices to provide quotes in Nevada. To find cheap auto insurance in Las Vegas, NV, we suggest you compare several of them in order to find the cheapest rates.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in specific location which can affect auto insurance rates substantially.

Discount Las Vegas auto insurance rates

Companies don’t always list every policy discount in an easy-to-find place, so the below list has both the well known in addition to some of the lesser obvious discounts that may be available.

• E-sign Discounts – Certain insurance companies will discount your bill up to fifty bucks shop Las Vegas car insurance on your computer.
• New Car Discount – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
• Accident Free – Good drivers with no accidents pay much less as opposed to frequent claim filers.
• Life Insurance Discount – Select auto insurance companies reward you with a discount if you purchase some life insurance too.
• College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Las Vegas and do not have access to a covered vehicle may qualify for this discount.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
• Federal Employees – Federal government employees may qualify for a discount when you quote Las Vegas car insurance depending on your company.
• Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts should help lower your policy premiums.

A list of companies and some of the discounts include:

• 21st Century may include discounts for 55 and older, air bags, early bird, homeowners, and driver training.
• Progressive may offer discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, online quote discount, online signing, and good student.
• State Farm may have discounts that include student away at school, anti-theft, defensive driving training, multiple autos, and good driver.
• Nationwide discounts include multi-policy, anti-theft, good student, family plan, and defensive driving.
• Esurance policyholders can earn discounts including Pac-12 alumni, anti-theft, DriveSense, paid-in-full, good driver, and claim free.
• The Hartford offers discounts for defensive driver, driver training, bundle, air bag, and anti-theft.

When getting free Las Vegas car insurance quotes, it’s a good idea to every insurance company what discounts are available to you. All car insurance discounts might not be offered in Las Vegas. To see providers who offer auto insurance discounts in Las Vegas, click here to view.

Shop online but buy locally

Certain consumers just want to visit with an insurance agent and that is not a bad decision The best thing about comparing insurance prices online is that you can obtain cheap rate quotes and still choose a local agent. Buying insurance from local insurance agents is important especially in Las Vegas.

To help locate an agent, after submitting this simple form, the quote information is sent to insurance agents in Las Vegas that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered immediately to you. You can most likely find cheaper rates AND an agent nearby. If you wish to quote rates from a specific insurance company, feel free to jump over to their website and fill out the quote form the provide.

Listed below is a list of auto insurance companies in Las Vegas who can help you get price quote information.

More Las Vegas agents

Choosing an company shouldn’t rely on just the premium amount. These are valid questions to ask:

• Will a damage claim use OEM or aftermarket replacement parts?
• If your car is totaled, how to they determine the replacement cost?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they make recommendations based only on price?
• Can you contact them at any time?
• Do they specialize in personal lines coverage in Las Vegas?
• Do the coverages you’re quoting properly cover your vehicle?
• Will you work with the agent or an assistant?

What is the best auto insurance company in Nevada?

Ending up with a high-quality insurance company can be challenging considering how many choices you have in Nevada. The ranking information displayed below can help you select which auto insurers you want to consider putting your business with.

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. 21st Century – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for funeral costs, X-ray expenses, pain medications, EMT expenses and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, falling objects and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

This can cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/10 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, structural damage and medical expenses. How much liability coverage do you need? That is up to you, but buy higher limits if possible. Nevada requires drivers to carry at least 15/30/10 but you should think about purchasing more liability than the minimum.

The chart below demonstrates why buying the state minimum limits may not be enough.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Because many people only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liability limits.

Collision protection

Collision insurance covers damage to your vehicle resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Affordable auto insurance is out there

The cheapest auto insurance in Las Vegas can be sourced from both online companies in addition to local insurance agencies, so you need to quote Las Vegas car insurance with both to have the best rate selection. A few companies may not have the ability to get a quote online and these smaller companies only sell through independent agents.

When getting Las Vegas car insurance quotes online, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret that they should have had better coverage. The goal is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

We just showed you some good ideas how you can shop for auto insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.

More articles

• Where can I buy Insurance? (Insurance Information Institute)
• Who Has Affordable Las Vegas Car Insurance Quotes for a Hyundai Elantra? (FAQ)
• Who Has Cheap Auto Insurance for a Jeep Grand Cherokee in Las Vegas? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Las Vegas? (FAQ)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• All About Airbag Safety (State Farm)