Best Way to Find Cheaper Las Vegas Car Insurance

Buying the most affordable Las Vegas car insurance on the internet can be rather challenging for beginners to price shopping online. Because there are so many online companies, how can consumers have a chance to compare every one to find the best available rates?

These discounts can lower your rates

Car insurance companies don't list every discount in an easy-to-find place, so we took the time to find both the well known and the more hidden car insurance savings.

  • Government Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Save with a New Car - Insuring a new car is cheaper due to better safety requirements for new cars.
  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.

Keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way.

Different people need different coverages

When it comes to buying the right insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's needs are different.

For instance, these questions may help you determine whether you would benefit from an agent's advice.

  • Why am I required to get a high-risk car insurance policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Are you falling for claims of savings?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all say the same thing that you can save if you switch your policy. How do they all claim to save you money?

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a driver they prefer might be between 25 and 40, insures multiple vehicles, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a more expensive rate which usually ends up with the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can advertise the savings. This emphasizes why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

Additional detailed information can be found at the Nevada Division of Insurance website. Visitors are able to read industry bulletins, read enforcement actions against agents and companies, and file complaints about a company.

Las Vegas car insurance comparison

Final considerations

Consumers switch companies for many reasons like high rates after DUI convictions, not issuing a premium refund, poor customer service and even lack of trust in their agent. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

We just covered a lot of tips how to reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even find the most savings is with an unexpected company.