If online auto insurance comparisons are new to you, it’s easy to get overwhelmed by the vast number insurance agents and companies vying for business in Las Vegas.
Steps to finding discount Subaru BRZ insurance in Las Vegas
To save the most money, the best way to get cheaper Subaru BRZ insurance is to regularly compare prices from companies in Las Vegas.
- Take a little time to learn about the coverage provided by your policy and the modifications you can make to drop your rates. Many factors that drive up the price such as distracted driving and an unacceptable credit score can be eliminated by making minor changes to your lifestyle. This article provides information to help reduce premium rates and find additional discounts you may qualify for.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can give you price quotes for a wide range of companies. Start a quote
- Compare the price quotes to your existing policy to determine if you can save on BRZ insurance. If you can save money and decide to switch, make sure there is no coverage gap between policies.
One thing to point out is that you’ll want to make sure you compare identical coverages on each quote and and to compare every company you can. This helps ensure an accurate price comparison and maximum price selection.
It’s easy to assume that insurance companies want to keep you from comparing rates. Consumers who compare rates once a year are highly likely to buy a different policy because they stand a good chance of finding a policy with better rates. A survey found that drivers who routinely shopped for cheaper coverage saved as much as $3,450 over four years as compared to drivers who never shopped around.
If finding budget-friendly rates on Subaru BRZ insurance in Las Vegas is your ultimate goal, knowing the best way to shop and compare insurance coverage can help you be more efficient.
Auto insurance policy discounts you can’t miss
Companies don’t always advertise all possible discounts in an easy-to-find place, so the below list has both the well known and also the lesser-known discounts that may be available.
- Accident Waiver – Not really a discount, but certain companies will let one accident slide before raising your premiums if your claims history is clear prior to the accident.
- Accident Free – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
- Student Discounts – Performing well in school may save as much as 25% on a Las Vegas car insurance quote. The good student discount can last until age 25.
- Defensive Driver Discount – Completing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
- Multiple Vehicles – Buying a policy with several vehicles on one policy may reduce the rate for each vehicle.
- Clubs and Organizations – Belonging to qualifying clubs or civic groups can get you a small discount on your bill.
A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
A few of the larger companies and a selection of discounts are included below.
- Progressive has discounts for continuous coverage, good student, online quote discount, multi-policy, online signing, multi-vehicle, and homeowner.
- Farmers Insurance offers discounts including bundle discounts, youthful driver, mature driver, homeowner, and multi-car.
- Farm Bureau discounts include renewal discount, multi-vehicle, good student, 55 and retired, youthful driver, driver training, and safe driver.
- State Farm offers premium reductions for defensive driving training, driver’s education, student away at school, passive restraint, anti-theft, multiple autos, and Drive Safe & Save.
- GEICO may offer discounts for defensive driver, anti-lock brakes, military active duty, five-year accident-free, and federal employee.
- SAFECO has savings for anti-lock brakes, teen safe driver, drive less, accident prevention training, teen safety rewards, and multi-car.
- Liberty Mutual policyholders can earn discounts including new vehicle discount, exclusive group savings, hybrid vehicle, new move discount, multi-car, and newly married.
Check with each company what discounts are available to you. A few discounts might not apply in Las Vegas. If you would like to choose from a list of providers that offer many of these discounts in Las Vegas, click here.
The fastest way that we advise to compare rates for Subaru BRZ insurance in Las Vegas is to know most larger insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is provide a small amount of information like driver ages, if a SR-22 is needed, if you lease or own, and if you’re married. That information is instantly sent to multiple top-rated companies and they respond with quotes instantly.
To get price quotes for your car now, click here and enter your zip code.
The following companies offer price comparisons in Las Vegas, NV. To locate the best auto insurance in Las Vegas, we suggest you visit several of them to get a more complete price comparison.
Local agents and car insurance
A lot of people just prefer to get professional advice from a licensed agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is you may find lower rates and also buy local.
For easy comparison, once you complete this short form, your insurance data is submitted to local insurance agents who will give you quotes for your business. There is no reason to contact any insurance agencies as quotes are delivered to you instantly. You can find the lowest rates without requiring a lot of work. If you need to quote rates from a specific company, you would need to search and find their rate quote page and submit a quote form there.
Finding the right company shouldn’t rely on just a cheap price quote. These are some questions you should get answers to.
- How much can you save by raising your physical damage deductibles?
- Is there a local claims center in Las Vegas?
- Does the agent have a valid license to sell insurance in Nevada?
- Do they offer claims assistance after hours?
- Are aftermarket or OEM parts used to repair vehicles?
- Are they involved in claim handling?
Two types of car insurance agents
If you would like to find a local insurance agency, there are two types of insurance agents from which to choose. Las Vegas agents can be classified as either independent or exclusive depending on the company they work for.
These type of agents can usually just insure with one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot provide other company’s prices so they have no alternatives for high prices. They are trained well on sales techniques and that enables them to sell even at higher rates. Consumers sometimes use the same agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below are Las Vegas exclusive insurance agencies who may provide you with price quotes.
- Juan Diaz – State Farm Insurance Agent
1718 S Eastern Ave – Las Vegas, NV 89104 – (702) 489-4242 – View Map
- Franco Vitiello – State Farm Insurance Agent
3370 S Hualapai Way #140 – Las Vegas, NV 89117 – (702) 648-6642 – View Map
- State Farm: Bree Buckles
1000 S Rampart Blvd #14 – Las Vegas, NV 89145 – (702) 869-6600 – View Map
Independent Agents (or Brokers)
These type of agents can quote rates with many companies and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and the insured can keep the same agent. When comparing rates, we recommend you compare prices from several independent agencies so that you can do a thorough price comparison. Most can insure with less well-known companies which can save you money.
Shown below are Las Vegas independent agents who can help you get rate quotes.
- AMS Insurance
9960 W Cheyenne Ave #240 – Las Vegas, NV 89129 – (702) 965-3680 – View Map
- A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 – View Map
- Safeguard Insurance LLC
5225 S Durango Dr – Las Vegas, NV 89113 – (702) 638-0022 – View Map
How to find a good Las Vegas auto insurance company
Insuring your vehicle with a good quality insurance provider is difficult considering how many companies sell insurance in Nevada. The ranking information shown next could help you analyze which companies you want to consider when comparing rates.
Top 10 Las Vegas Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
Top 10 Las Vegas Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Quote more to save more
Cost effective Subaru BRZ insurance can be purchased both online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online quoting and many times these small, regional companies sell through independent agents.
Drivers leave their current company for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, delays in paying claims and lack of trust in their agent. No matter why you want to switch, finding a great new company can be pretty painless.
When getting Las Vegas car insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to regret they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage for the lowest price while still protecting your assets.
Steps to buying lower priced Subaru BRZ insurance in Las Vegas
If you want to save the most money, the best way to find affordable quotes for auto insurance rates is to begin comparing prices regularly from different companies who provide car insurance in Las Vegas. You can shop around by following these guidelines.
Step 1: Take a little time to learn about how your policy works and the measures you can control to prevent rate increases. Many factors that result in higher prices like accidents, traffic tickets, and a not-so-good credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can provide price quotes from multiple sources.
Step 3: Compare the price quotes to your existing coverage and determine if there is any savings. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide adequate notice to your current company of your intention to cancel your current auto insurance policy and submit the required down payment along with the signed application to the new insurer. As soon as you can, safely store the certificate of insurance with your registration paperwork.
The key thing to know about shopping around is to make sure you’re comparing identical coverage information on every quote request and and to compare as many companies as you can. This ensures the most accurate price comparison and the best rate selection.
Additional detailed information can be found in these articles:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Las Vegas Car Insurance Rates for College Graduates? (FAQ)
- Who Has Affordable Auto Insurance Rates for Retired Military in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for Drivers with a DUI? (FAQ)
- What Auto Insurance is Cheapest for First-time Drivers in Las Vegas? (FAQ)
- Who Has Affordable Las Vegas Auto Insurance Rates for Low Income Drivers? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Information for Teen Drivers (GEICO)
- Cellphones, Texting and Driving (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Institute)