It’s a known fact that car insurance companies want to keep you from shopping around. Insureds who get price comparisons are inclined to move their business because they stand a good chance of finding a cheaper policy. A recent survey found that drivers who regularly shopped around saved over $3,450 over four years compared to drivers who never shopped around.
If finding the lowest price for car insurance is your ultimate objective, understanding the best way to shop and compare car insurance can help make the process easier and more efficient.
Really, the only way to find more affordable auto insurance rates in Las Vegas is to compare quotes once a year from insurers that insure vehicles in Nevada. Drivers can shop around by following these steps.
First, try to understand how companies set rates and the measures you can take to keep rates in check. Many risk factors that drive up the price such as inattentive driving and an unacceptable credit score can be improved by being financially responsible and driving safely. Later in this article we will cover more information to prevent expensive rate increases and get bigger discounts.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while independent agents can quote rates from multiple insurance companies.
Third, compare the price quotes to your current policy premium to see if you can save by switching companies. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide written notification to your current company of your intent to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to your new carrier. Immediately upon receiving it, safely store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
A key point to remember is to make sure you enter the same physical damage deductibles and liability limits on each price quote and and to get rates from as many companies as possible. This enables an accurate price comparison and the best price selection.
Best Chevy TrailBlazer insurance prices in Nevada
The car insurance companies shown below have been selected to offer quotes in Las Vegas, NV. To locate the cheapest auto insurance in NV, we suggest you visit several of them to find the most affordable car insurance rates.
Car insurance policy discounts for Chevy TrailBlazer insurance in Las Vegas
Auto insurance companies don’t always publicize the entire discount list very clearly, so the below list has some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount available, you are throwing money away.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems could see savings as much as 30%.
- Telematics Data Discounts – Drivers that enable their company to look at driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they are good drivers.
- Good Student – Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
- Senior Citizen Rates – Drivers that qualify as senior citizens could receive better car insurance rates.
- Bundled Policy Discount – When you combine your home and auto insurance and insure them with the same company you may earn as much as 10 to 15 percent.
- Organization Discounts – Affiliation with a qualifying organization could earn you a nice discount on your bill.
- Include Life Insurance and Save – Car insurance companies who offer life insurance give a discount if you purchase some life insurance too.
- Discount for New Cars – Buying a new car model can save you some money since newer models have better safety ratings.
- Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
- Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you may reduce your total bill.
As a footnote on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount will reduce your policy cost.
Companies that may have some of the above discounts include:
Double check with each company or agent which credits you are entitled to. Some discounts might not apply in Las Vegas. To choose providers that offer discounts in Nevada, click this link.
Independent or exclusive insurance agents
Certain consumers prefer to visit with an insurance agent and often times that is recommended Licensed agents can help you choose the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is that drivers can save money and get better rates but also keep your business local. Buying from and supporting neighborhood agents is especially important in Las Vegas.
Once you complete this form (opens in new window), your insurance coverage information gets sent to agents in your area who can give free rate quotes for your insurance coverage. You never need to leave your computer as quotes are delivered immediately to you. If you want to get a price quote from a specific company, you can always go to their quote page and fill out the quote form the provide.
Two types of Las Vegas car insurance agents
If you are searching for a local insurance agency, it’s important to understand the types of agencies that you can select. Insurance agencies can be described as either independent agents or exclusive agents depending on their employer. Either can write insurance policies, but it is important to understand the difference between them since it may influence the selection process.
Independent Insurance Agents (or Brokers)
Independent insurance agents do not sell for just one brand so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, an independent agent can move your coverage and you stay with the same agent. When comparing rates, you definitely need to compare prices from at a minimum one independent agency for maximum quote selection. Many can place coverage with small regional insurance companies that can offer cheaper rates than bigger companies.
The following is a partial list of independent insurance agents in Las Vegas that may be able to provide price quote information.
- A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 – View Map
- Nationwide Insurance: The Delbrocco Agency
5150 Spring Mountain, Unit 11 – Las Vegas, NV 89146 – (702) 730-0009 – View Map
- Desert Shores Insurance Services
3211 N Tenaya Way #115 – Las Vegas, NV 89129 – (702) 363-8040 – View Map
Agents in the exclusive channel can only write with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company’s prices so they have no alternatives for high prices. They are well schooled on their company’s products and that allows them to sell at a higher price point. Some consumers prefer to buy from the same agent for years mostly because of the prominent brand name rather than low rates.
Below is a short list of exclusive agencies in Las Vegas willing to provide rate quotes.
- Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map
- Kate Lowe – State Farm Insurance Agent
10198 W Flamingo Rd #130 – Las Vegas, NV 89147 – (702) 363-4500 – View Map
- Andy Ballagh – State Farm Insurance Agent
7455 W Azure Dr Suite 110 – Las Vegas, NV 89130 – (702) 562-7504 – View Map
Deciding on an insurance agency shouldn’t rely on just the bottom line cost. The following questions are important to ask.
- Does the agency support the community they serve?
- Which company do they place the most coverage with?
- Are there any discounts that you might be missing?
- Where would glass claims be handled in Las Vegas?
- How long have they worked with personal auto insurance coverage?
If you receive positive responses to any questions you have and a low price estimate, chances are good that you have found an auto insurance agent that is professional and can properly insure your vehicles.
Everyone needs different auto insurance coverages
Always remember that when buying insurance from an agent or online, there really is not a single plan that fits everyone. Your needs are unique to you so this has to be addressed.
For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Does my Chevy TrailBlazer qualify for pleasure use?
- What is motorclub and do I need it?
- Are there companies who specialize in insuring high-risk drivers?
- Are my friends covered when driving my car?
- What is an SR-22 filing?
- Is other people’s property covered if stolen from my vehicle?
- Does my Chevy TrailBlazer need full coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Auto insurance coverage basics
Understanding the coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.
Coverage for uninsured or underinsured drivers
This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Chevy TrailBlazer.
Since a lot of drivers only carry the minimum required liability limits (15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.
Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like hitting a parking meter, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your TrailBlazer in order to get cheaper collision rates.
Comprehensive auto insurance
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like rock chips in glass, vandalism, hitting a deer, theft and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 15/30/10 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims like repair costs for stationary objects, pain and suffering, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Nevada state minimum liability requirements are 15/30/10 but drivers should carry higher limits.
The illustration below shows why buying minimum limits may not be enough coverage.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for immediate expenses for chiropractic care, nursing services, dental work, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Some companies do not offer price quotes online and usually these smaller providers provide coverage only through local independent agents. Cheaper insurance in Las Vegas is possible online as well as from independent agents in Las Vegas, so you should compare both to get a complete price analysis.
In this article, we covered a lot of ways to find cheap Chevy TrailBlazer insurance in Las Vegas. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable Chevrolet TrailBlazer insurance quotes. Consumers may even find the best price on insurance is with a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has the Cheapest Las Vegas Car Insurance Rates for Uber Drivers? (FAQ)
- How Much are Car Insurance Quotes for Real Estate Agents in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance Rates for 4×4 Vehicles? (FAQ)
- What Insurance is Cheapest for Drivers with Good Credit in Las Vegas? (FAQ)
- Who Has Affordable Las Vegas Car Insurance Rates for a Ford Fusion? (FAQ)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)