It’s hard to miss the commercials from auto insurance companies like Liberty Mutual and State Farm guaranteeing enormous savings. So you should just pick the one with the catchiest commercial, right?
Regrettably, it’s not quite that easy, as there are many unknown aspects such as when you were born, your credit history, and the area where you live, that all factor into the price you pay. In this article, we will cover these things and also should give you a good beginning to your quest for cheaper car insurance in Las Vegas.
The type of vehicle on the policy is one of the primary factors that determines whether or not you find low-cost car insurance for handicapped drivers. Vehicles with limited top-end speed, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The list below showcases coverage rates for a handful of the most cost-effective automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$2,408|
|Chevrolet Impala LS||$2,788|
|Honda CR-V EX 4WD||$2,816|
|GMC Sierra SL Extended Cab 2WD||$2,844|
|Chevrolet Malibu LS||$2,853|
|Toyota RAV4 Sport 2WD||$2,844|
|Toyota Tacoma Double Cab 4WD||$2,850|
|Honda Accord EX-L 4-Dr Sedan||$2,985|
|Toyota Corolla XLE||$2,992|
|Jeep Grand Cherokee Limited 4WD||$3,054|
|Nissan Rogue SL 2WD||$3,052|
|Dodge Grand Caravan SE||$3,091|
|Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD||$3,249|
|Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD||$3,302|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can influence prices considerably.
By looking at the data, we can tell that vehicles like the Ford Escape, Chevrolet Impala, Honda CR-V, and GMC Sierra should be a few of the cheaper vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the largest components that help determine the price you pay for insurance is the neighborhood you call home in Las Vegas. More populated areas are more likely to have higher rates, whereas areas with less congestion have the luxury of lower rates.
The next table ranks the most expensive areas in Nevada for handicapped drivers to purchase auto insurance in. Las Vegas comes in at #5 with a yearly cost of $1,949 for coverage, which is approximately $162 each month.
|6||North Las Vegas||$1,882|
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Premium costs are estimated as specific location information can alter auto insurance rates greatly.
Liability only or full coverage
Reducing premiums for auto insurance is the goal of the majority of drivers, and one of the easiest ways to save on the cost of insurance for handicapped drivers is to not buy comprehensive and collision coverage. The information below illustrates the comparison of insurance premiums with and without full coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
If averaged out across all ages, full coverage on your policy costs $1,940 per year over and above liability only. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no clear-cut formula of when to exclude physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
Finding the top company is hard considering how many different companies there are to choose from in Las Vegas. The ranking information shown below may help you select which insurers you want to consider comparing rates with. These ratings are only comprised of companies that insure vehicles across America, so smaller regional companies are not factored into the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Accidents and violations increase rates
The recommended way to receive the most affordable auto insurance premiums in Nevada for drivers with handicaps is to drive cautiously and avoid tickets and accidents. The chart below illustrates how speeding tickets and at-fault claims can influence yearly insurance costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of a car insurance policy in Las Vegas per year with a clean driving record and no accidents is $1,512. Receive two speeding tickets and the average cost rises to $2,091, an increase of $579 each year. Then throw in one accident along with the two speeding tickets and the 12-month cost of auto insurance for handicapped drivers increases to an average of $2,668. That’s an increase of $1,156, or $96 per month, just for not being attentive to the road!
Ideas for buying cheaper insurance for handicapped drivers
Here are some of the better thrifty solutions that can help Nevada drivers quote more affordable coverage.
- Increase your deductibles
- Buying car and homeowners insurance together can save money
- Drivers with good credit ratings often pay less
- Save money by staying claim-free
- Save money by insuring older vehicles for liability only
- Vehicles with safetly features generally cost less to insure
- Shop around for lower rates once a year
That last idea is highly necessary, as we pointed out in this write-up. Auto insurance prices in Las Vegas fluctuate constantly, so don’t be hesitant to buy a policy from a new company if a better rate can be found.
Having a favorite company is fine, but it’s not a great idea if your bullheadedness ends up costing you money that could be spent on other things. Take a couple minutes and shop around and find cheaper car insurance for handicapped drivers.
The Las Vegas auto insurance agencies shown below can provide answers to your questions and help you determine which auto insurance policy fits you best, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when buying car insurance for drivers with handicaps. It’s not always simple to find the best coverage yourself, so professional agents can provide peace of mind knowing your policy gives you suitable coverage if you have an accident.
To locate an agency using an interactive map, click the button at the bottom of the list or click here to get price quotes now.
- Desert Shores Insurance Services
3211 N Tenaya Way #115 – Las Vegas, NV 89129 – (702) 363-8040
- State Farm: Gregory A Moore
4312 W Charleston Blvd – Las Vegas, NV 89102 – (702) 870-9298
- Juan Diaz – State Farm Insurance Agent
1718 S Eastern Ave – Las Vegas, NV 89104 – (702) 489-4242
- Ron Reedom – State Farm Insurance Agent
1943 N Nellis Blvd – Las Vegas, NV 89115 – (702) 459-9546
- Allstate Insurance: Yukin Kwan
4001 S Decatur Blvd Ste 4 – Las Vegas, NV 89103 – (702) 530-8822