Discover How to Find the Cheapest Price on Las Vegas, NV Car Insurance

Have you had enough of paying out the nose to buy car insurance? You’re in the same situation as millions of other consumers.

Many insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies to find the absolute best rate

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Buying car insurance in Las Vegas is easy if you know what you’re doing. Although Nevada car owners do need to know the methods companies use to determine prices and use this information to your advantage.

Finding Car Insurance Deals in Las Vegas, Nevada

Comparing car insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with local insurance agents in Las Vegas, or you could save time and use the internet to get pricing more quickly.

The majority of car insurance companies belong to a marketplace where prospective buyers complete one form, and each participating company provides a quote based on the submitted data. This eliminates the need for quote requests to each individual car insurance company.

To compare rates now click here (opens in new window).

The only drawback to doing it this way is that consumers can’t choose the insurers to get pricing from. So if you want to select individual companies to compare rates, we have a page of car insurance companies in Nevada. View list of Nevada insurance companies.

Which method you use is up to you, but make darn sure you compare identical coverages and limits for each comparison quote. If you are comparing higher or lower deductibles it will be next to impossible to find the best deal in Las Vegas. Slightly different limits may cause a big price difference. It’s important to know that more quotes helps you find a lower rate.

Be sure to get all your discounts

Car insurance is not cheap, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but some must be asked for before being credited.

  • Senior Discount – Mature drivers can possibly qualify for better car insurance rates.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company could earn a price break for each car.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It can save you around 10%.
  • Safe Drivers – Safe drivers may save up to 50% more than drivers with accidents.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because owning a home demonstrates responsibility.

It’s important to note that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will bring down your money in Nevada

Neighborhood insurance agents

Certain consumers just want to get advice from a local agent and that is a personal choice. The best thing about comparing insurance prices online is you may find lower rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Las Vegas.

After completing this short form, your information gets sent to local insurance agents in Las Vegas who will give you bids for your business. You never need to visit any agencies because quoted prices will be sent to the email address you provide. How’s that for easy! Get lower rates and an insurance agent to talk to.

Is a captive or independent insurance agency right for you?

When looking for a good insurance agency, you need to know there are two different agency structures that differ in how they can insure your vehicles. Agents are either captive or independent.

Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, we recommend you contact at least one independent agent to have the most options to choose from.

Shown below are Las Vegas independent agents who can help you get price quote information.

Kelly Agency – 9430 W Lake Mead Blvd # 9 – Las Vegas, NV 89134 – (702) 360-3933
Matthew Meron Agency – 6440 Sky Pointe Dr # 120 – Las Vegas, NV 89131 – (702) 260-8022
Atlas Agency-Melt Hatch Ins – 1014 E Charleston Blvd # 103 – Las Vegas, NV 89104 – (702) 385-2424
Sacca Insurance – 7758 W Sahara Ave – Las Vegas, NV 89117 – (702) 255-5999
Family Insurance Ctr – 3300 E Flamingo Rd – Las Vegas, NV 89121 – (702) 452-7000

Captive Insurance Agents

These agents can only place business with one company and examples are State Farm or Allstate. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

The following are Las Vegas captive insurance agencies who can help you get price quote information.

Allstate Insurance – 2860 E Russell Rd – Las Vegas, NV 89120 – (702) 341-8014
State Farm Insurance – 9101 W Sahara Ave – Las Vegas, NV 89117 – (702) 341-8110
Liberty Mutual Insurance – 6985 W Sahara Ave # 105 – Las Vegas, NV 89117 – (702) 367-0541
American Family Insurance – 2390 E Serene Ave # 420-4 – Las Vegas, NV 89123 – (702) 732-7829
Farmers Insurance Group – 1003 S Cimarron Rd – Las Vegas, NV 89145 – (702) 228-4998

To view a complete directory of captive agents in Las Vegas, please view this page.

save money in Nevada

Deciding on an insurance agency shouldn’t rely on just the price. Ask your prospective agent these questions:

  • Is assistance available after office hours?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the company allow you to choose your own collision repair facility?
  • Who is covered by the car insurance policy?

After getting positive responses and a good coverage price, you’ve probably found an insurance agency that can properly service your car insurance policy.

Why your price might be higher

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

  • Lower deductibles cost more – Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The more money the insured has to pay upfront, the bigger discount you will receive.
  • Add-on coverages can add up – There are many extra coverages that can waste your money on your car insurance policy. Insurance for vanishing deductibles, accident forgiveness and membership fees are some examples. These may sound like a good investment when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage when a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • What type of vehicle do you drive? – The make and model of the car you drive makes a big difference in your rates. The lowest rates are usually for small economy passenger vehicles, but other factors influence the final cost greatly.
  • Better credit means lower rates – A driver’s credit history is a large factor in calculating your car insurance rates. Therefore, if your credit history is not that good, you could save money insuring your by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Shop smart and save

We covered a lot of techniques to shop for car insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Discount car insurance can be purchased on the web and also from your neighborhood Las Vegas agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never buy less coverage just to save a little money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to find out that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional consumer information websites

Much more information about car insurance in Nevada is available on the website for the Nevada Division of Insurance found here. Visitors are able to learn about insurance regulations, discover disciplinary actions, and get help finding coverage.