The recommended way to find affordable car insurance rates is to start comparing rates regularly from providers in Las Vegas.
- First, try to learn about how companies price auto insurance and the modifications you can make to prevent expensive coverage. Many factors that drive up the price such as distracted driving and poor credit history can be controlled by making minor changes to your lifestyle. This article gives information to get low prices and get bigger discounts that may have been overlooked.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can quote rates for a wide range of insurance providers.
- Third, compare the new rates to your existing policy to see if cheaper Grand Prix coverage is available in Las Vegas. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
One important bit of advice is to try to compare the same liability limits and deductibles on every quote and and to get rate quotes from as many companies as feasibly possible. This provides an accurate price comparison and the best price selection.
It’s hard to believe, but a large majority of drivers have purchased from the same company for at least four years, and almost half have never quoted rates to find lower-cost coverage. Many drivers in Las Vegas could save up to $500 a year just by getting comparison quotes, but they don’t invest the time required to compare rates.
If you already have coverage, you will definitely be able to reduce the price you pay using these tips. Quoting and comparing rates for the best coverage in Las Vegas can be fairly easy. But Nevada car owners should learn the methods companies use to market insurance on the web and apply this information to your search.
Cheaper Las Vegas insurance quotes with discounts
Companies offering auto insurance do not list the entire discount list very clearly, so the list below contains some of the best known and also the more inconspicuous credits available to bring down your rates.
- Paperless Signup – Some of the larger companies will give you a small discount for buying a policy and signing up over the internet.
- Accident Forgiveness – Not necessarily a discount, but companies like State Farm and Progressive will allow you to have one accident before raising your premiums if you have no claims prior to the accident.
- Low Mileage Discounts – Keeping the miles down on your Pontiac could qualify for substantially lower premium rates.
- Include Life Insurance and Save – Some companies give lower premium rates if you buy some life insurance in addition to your auto policy.
- Own a Home – Owning a house in Las Vegas can help you save on insurance since owning and maintaining a home means you have a higher level of financial diligence.
Discounts lower rates, but most credits do not apply to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous. But all discounts will help reduce your policy premium.
Popular insurance companies and a selection of discounts are outlined below.
- GEICO offers discounts including good student, military active duty, emergency military deployment, multi-vehicle, seat belt use, and federal employee.
- USAA offers discounts for multi-vehicle, annual mileage, good student, military installation, new vehicle, vehicle storage, and driver training.
- Progressive has discounts for online quote discount, multi-policy, homeowner, continuous coverage, good student, multi-vehicle, and online signing.
- American Family discounts include early bird, accident-free, good student, multi-vehicle, Steer into Savings, and TimeAway discount.
- Esurance offers premium reductions for renters, defensive driver, anti-lock brakes, safety device, and Switch & Save.
- Farmers Insurance may have discounts that include mature driver, good student, switch companies, business and professional, electronic funds transfer, and early shopping.
- State Farm may offer discounts for defensive driving training, multiple autos, safe vehicle, driver’s education, Drive Safe & Save, and accident-free.
When getting free Las Vegas car insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Some discounts may not apply in every state. To view insurers that offer multiple discounts in Nevada, click this link.
To find the best insurance prices, there are several ways to compare prices from local Las Vegas insurance companies. The best way to find competitive Pontiac Grand Prix insurance rates consists of shopping online. When comparison shopping, comparing a wide range of rates gives you a better chance of getting the best rates. Some smaller insurers do not give online price quotes, so it’s important to compare rates from the smaller companies as well.
The companies shown below can provide free quotes in Las Vegas, NV. If you want the best auto insurance in Nevada, it’s highly recommended you compare several of them to get a more complete price comparison.
Buying insurance from Las Vegas car insurance agents
A small number of people just prefer to have an agent’s advice and often times that is recommended A nice benefit of getting online price quotes is that you can obtain the best rates and still buy from a local agent.
After completing this short form, your insurance coverage information is emailed to local insurance agents in Las Vegas who will give you bids for your coverage. It makes it easy because there is no need to even leave your home since price quotes are sent instantly to you. You can get cheaper insurance rates without having to waste a lot of time. If you wish to get a comparison quote from a specific company, just visit that company’s website to submit a rate quote request.
Choosing the best insurance company should depend on more than just the bottom line cost. Below are some questions you should ask.
- How will an accident affect your rates?
- Will the agent help in case of a claim?
- Do they make recommendations based only on price?
- Will you work with the agent or an assistant?
- Do they get extra compensation for selling add-on coverages?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
If you would like to find a reliable insurance agent, you need to know there are two different types of agencies that you can select. Agencies in Las Vegas can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
These agents can only quote rates from one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are well trained in insurance sales which can be an advantage. Consumers frequently use the same exclusive agent mostly because of the brand legacy and solid financial strength.
Listed below is a short list of exclusive agencies in Las Vegas willing to provide comparison quotes.
- State Farm: Eric James
1350 E Flamingo Rd #14 – Las Vegas, NV 89119 – (702) 836-0953 – View Map - Juan Diaz State Farm®
352 S Jones Blvd – Las Vegas, NV 89107 – (702) 870-0444 – View Map - GEICO Insurance Agent
3315 W Craig Rd #110 – North Las Vegas, NV 89032 – (702) 643-0057 – View Map
Independent Insurance Agents
These agents do not work for one specific company so they can insure your vehicles with lots of companies and get you the best rates possible. If prices rise, your agent can just switch to a different company and you don’t have to switch agencies.
When comparing rate quotes, it’s recommended you compare prices from several independent insurance agents in order to have the best price comparison. Most can insure with companies that do not advertise much which may provide better rates.
The following are independent insurance agents in Las Vegas that can give you price quote information.
- AmeriSent Insurance
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400 – View Map - Las Vegas Auto Insurance
1953 N Decatur Blvd – Las Vegas, NV 89108 – (702) 570-5777 – View Map - Superior Insurance
2511 Stewart Ave – Las Vegas, NV 89101 – (702) 721-7575 – View Map
Protect your vehicle and other assets
Despite the high insurance cost for a Pontiac Grand Prix in Las Vegas, maintaining insurance is required by state law in Nevada and it also provides benefits you may not be aware of.
- Almost all states have mandatory liability insurance requirements which means you are required to carry 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 lien on your Pontiac Grand Prix, most banks will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may insure your Pontiac at a more expensive rate and force you to reimburse them for it.
- Insurance safeguards not only your car but also your financial assets. Insurance will pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $830 a year so it’s recommended you shop around once a year at a minimum to help ensure money is not being wasted.
Auto insurance coverage basics
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, pain medications, nursing services, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Collision coverage – This coverage pays for damage to your Grand Prix resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as crashing into a ditch, colliding with a tree, hitting a parking meter, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Grand Prix to get cheaper collision coverage.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like hitting a deer, hitting a bird, a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Pontiac Grand Prix.
Since many Nevada drivers have only the minimum liability required by law (Nevada limits are 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Liability – This coverage provides protection from damages or injuries you inflict on people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for things such as court costs, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible. Nevada state minimum liability requirements are 15/30/10 but it’s recommended drivers buy more liability than the minimum.
The illustration below demonstrates why buying low liability limits may not be enough coverage.
Lower rates by being persistent
People who switch companies do it for a number of reasons such as delays in paying claims, policy non-renewal, high rates after DUI convictions and even an unsatisfactory settlement offer. Regardless of your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.
The cheapest Pontiac Grand Prix insurance in Las Vegas can be bought online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some insurance providers do not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent agents.
In this article, we presented a lot of techniques to compare Pontiac Grand Prix insurance rates in Las Vegas. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.
More detailed insurance information is located in the articles below:
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has Cheap Auto Insurance for 18 Year Olds in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for Drivers with a DUI? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance for a Honda Accord? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High Mileage Drivers in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance Quotes for a Learners Permit? (FAQ)
- How Much is Las Vegas Auto Insurance for Active Military? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Property Damage Coverage (Liberty Mutual)
- Vehicle Safety Ratings (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)