A recent study showed that the vast majority of auto insurance customers kept their policy with the same company for four years or more, and just short of a majority have never shopped around. With the average premium in Nevada being $1,620, drivers could pocket nearly 35% a year just by comparing rates, but they just assume it’s a time-consuming process to compare other rate quotes.
Really, the only way to find cheaper prices for car insurance rates in Las Vegas is to compare prices annually from different companies in Nevada.
- Try to learn a little about how auto insurance works and the steps you can take to prevent rate increases. Many factors that drive up the price such as careless driving and a not-so-good credit score can be rectified by paying attention to minor details.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies. View companies
- Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure there is no lapse in coverage.
- Notify your agent or company of your intention to cancel your current policy and submit the signed application along with the required initial payment to the new insurer. Once the paperwork is finalized, keep the new proof of insurance certificate in your vehicle’s glove compartment or console.
An important bit of advice to remember is to compare identical coverages on each quote and and to get price quotes from as many companies as you can. Doing this enables a fair rate comparison and and a good selection of different prices.
Companies offering Chevy Tracker insurance in Nevada
The providers in the list below have been selected to offer free rate quotes in Nevada. If multiple companies are listed, we recommend you visit as many as you can in order to find the lowest rates.
Car insurance rates and discounts
Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so the list below contains a few of the more well known and the more hidden discounts that you may qualify for. If you are not receiving all the discounts possible, you may be paying too high a price.
- Discounts for Multiple Vehicles – Buying insurance for several vehicles on the same car insurance policy qualifies for this discount.
- Online Discount – Certain companies will discount your bill up to fifty bucks simply for signing on the web.
- Save with a New Car – Insuring a new Tracker can save you some money because new vehicles are generally safer.
- Organization Discounts – Being a member of a qualifying organization could qualify you for a break on your bill.
- Safe Driver Discounts – Insureds who avoid accidents can pay as much as 50% less than their less cautious counterparts.
- Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.
- Defensive Driver Discount – Completing a class that teaches defensive driver techniques could earn you a small percentage discount and make you a better driver.
Consumers should know that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will positively reduce the amount you pay for coverage.
To see a list of providers with the best discounts in Nevada, click here.
Smart Buyers Can Cut Insurance Costs
Many things are part of the equation when you get a price on insurance. Some of the criteria are obvious like your driving record, but other factors are not quite as obvious like where you live or how safe your car is. Smart consumers have a good feel for a few of the rating criteria that help calculate your premiums. If you have some idea of what controls the rates you pay, this enables informed choices that will entitle you to big savings.
Listed below are some of the items auto insurance companies consider when setting rates.
Bundle policies with the same company – Lots of insurance companies apply a discount to buyers who buy several policies from them in the form of a multi-policy discount. Even if you qualify for this discount already, consumers should still comparison shop to confirm you are receiving the best rates possible.
Where you reside can influence premiums – Living in areas with lower population can be a good thing if you are looking for the lowest rates. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate. Urban drivers have more aggressive driving styles and more time behind the wheel. The longer drive time means a statistically higher chance of an accident.
Youthful vs. experienced drivers – Youthful drivers in Nevada are known to be easily distracted in a vehicle so they pay higher auto insurance rates. Adding a teen driver onto a policy can cause a big jump in price. Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and receive fewer citations.
Tickets are costly – Your driving citation history has a big impact on rates. Getting just one citation can increase rates to the point where it’s not affordable. Attentive drivers get better prices compared to bad drivers. Drivers who have received license-revoking violations such as hit and run, DWI or reckless driving convictions are required to prove financial responsibility with the DMV in their state in order to prevent a license revocation.
Marriage can lower premiums – Getting married can get you a discount on your auto insurance policy. Marriage translates into being more stable financially and it’s statistically proven that married drivers get in fewer accidents.
Your situation helps dictate your coverage
When quoting and choosing coverage for your vehicles, there really is no cookie cutter policy. Your situation is unique.
For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.
- Who does medical payments coverage extend to?
- Is my Chevy Tracker covered for smoke damage?
- Why do I need rental car insurance?
- How high should my medical payments coverage be?
- Will filing a claim cost me more?
- Am I covered if I have no license?
- Am I covered when pulling a rental trailer?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.
Are auto insurance agents of importance?
Some consumers prefer to talk to a local agent and that is recommended in a lot of cases Experienced insurance agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of price shopping on the web is the fact that drivers can get cheap auto insurance rates and still choose a local agent.
By using this quick form, your insurance data is emailed to companies in Las Vegas who can give free rate quotes for your business. It’s much easier because you don’t need to find an agent because quoted prices will be sent to your email. If you need to get a price quote from a specific auto insurance provider, you just need to go to their quote page to submit a rate quote request.
Choosing a insurer is decision based upon more than just a cheap quote. Agents should be asked these questions:
- Do they write coverage based solely on cost?
- Are there any discounts that you might be missing?
- Do you need full coverage on every vehicle?
- How would your car be valued if totaled?
- Is every driver in your family covered?
- Does the company have a solid financial rating?
- Has the agent ever had any license suspensions?
- Did they already check your driving record and credit reports?
If you are wanting to purchase auto insurance from a good insurance agency, you must know there are a couple types of agencies that you can choose from. Agencies in Las Vegas are classified as either independent or exclusive. Both provide auto insurance policies, but it’s important to point out the difference in how they write coverage because it may have an impact on which agent you choose.
Exclusive agents can only place business with one company such as Farmers Insurance, State Farm, or Allstate. These agents are unable to shop your coverage around so always compare other rates. Exclusive agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Drivers often choose to use a exclusive agent mainly due to the brand name rather than low rates.
Below are Las Vegas exclusive agents that are able to give price quotes.
- LaDonna Koeller – State Farm Insurance Agent
4275 N Rancho Dr #155 – Las Vegas, NV 89130 – (702) 636-9447 – View Map
- Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500 – View Map
- Tom Ferrier – State Farm Insurance Agent
7528 Westcliff Dr – Las Vegas, NV 89145 – (702) 255-7770 – View Map
Independent Insurance Agents
Agents that choose to be independent are normally appointed by many insurers and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to do anything.
When comparing auto insurance rates, you definitely need to include price quotes from independent agents in order to have the best price comparison. Most have the option of insuring with different regional companies which could offer lower prices.
Below are independent agents in Las Vegas that are able to give price quotes.
- Balsiger Insurance
3481 E Sunset Rd #100 – Las Vegas, NV 89120 – (702) 220-8640 – View Map
- AmeriSent Insurance
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400 – View Map
- Leavitt Group – Leavitt Insurance Agency
7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010 – View Map
Keep this in mind when shopping around
There are still a few companies who don’t offer the ability to get quotes online and these small, regional companies prefer to sell through independent insurance agencies. Cost effective Chevy Tracker insurance can be bought on the web and also from your neighborhood Las Vegas agents, so you need to compare both in order to have the best chance of saving money.
People switch companies for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, not issuing a premium refund or policy non-renewal. Whatever your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
We just presented quite a bit of information on how to get a better price on Chevy Tracker insurance in Las Vegas. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a smaller regional carrier.
Much more information about auto insurance in Nevada can be found on the following sites:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Chevrolet Malibu in Las Vegas? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- What is Covered by GAP Insurance? (Allstate)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)