Cheap Dodge Durango Insurance in Las Vegas

Discount Dodge Durango insuranceIf you want to save money, the best way to find cheaper car insurance rates in Las Vegas is to do an annual price comparison from different companies who sell insurance in Nevada.

  1. Get an understanding of what coverages are included in your policy and the steps you can take to lower rates. Many rating criteria that cause high rates like at-fault accidents, careless driving, and poor credit history can be rectified by being financially responsible and driving safely. This article provides tips to help keep prices low and get additional discounts.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies. View companies
  3. Compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.

One key aspect of rate comparisons is that you’ll want to compare the same liability limits and deductibles on each quote request and and to compare every insurance company. Doing this enables the most accurate price comparison and a good representation of prices.

Astonishing but true according to a recent study, the vast majority of insurance customers have been with the same company for at least four years, and almost half have never compared insurance rates at all. Nevada consumers could pocket almost 35% a year by just comparing rate quotes, but they just don’t understand how easy it is to shop around.

If you are insured now, you will surely be able to reduce the price you pay using the tips covered below. Locating the best rates in Las Vegas seems hard but is not really that difficult. But Nevada vehicle owners must understand the methods companies use to sell insurance online and apply this information to your search.

Cheap car insurance in Las Vegas, NV

The companies in the list below are our best choices to provide free quotes in Nevada. In order to find the cheapest car insurance in Nevada, it’s a good idea that you click on several of them to find the most affordable car insurance rates.

Educated Choices Result in Lower Insurance Rates

Multiple criteria are considered when quoting car insurance. A few of the factors are predictable such as your driving history, but others are less obvious such as your marital status or how safe your car is.

Better rates with anti-theft devices – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft and help lower rates.

If you don’t need it don’t buy it – There are many extra add-on coverages that sound like a good idea at the time on your auto insurance policy. Add-on coverages like coverage for rental cars, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but if you’ve never needed them in the past think about removing them and cutting costs.

Bump up comp and collision deductibles to lower rates – Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your Dodge. Examples of covered claims are a broken windshield, flood damage, or theft. Physical damage deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. The larger the amount you’re willing to pay, the lower your rates will be.

Insure your auto and home with one company – The majority of auto insurance companies afford better rates to insureds that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare Dodge Durango rates in Las Vegas to confirm you are receiving the best rates possible. You may still save more without the discount even if you insure with multiple companies

Loss statistics for a Dodge Durango – Insurance companies analyze the history of losses when they file their rates in each state. Models that are shown to have high amounts or severity of claims will have higher rates.

The data below shows the loss history for Dodge Durango vehicles. For each policy coverage, the claim amount for all vehicles averaged together is set at 100. Values that are below 100 imply a favorable loss record, while numbers shown that are more than 100 indicate more frequent losses or an increased probability of a larger loss.

Dodge Durango Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Dodge Durango 4dr 2WD 88 110 91 104 90 100
Dodge Durango 4dr 4WD 90 115 97 92 93 102

Statistics from for 2013-2015 Model Years

Cheaper Las Vegas auto insurance rates with discounts

Auto insurance is not cheap nor is it fun to buy but there are discounts available that you may not know about. Some trigger automatically when you get a quote, but a few must be specially asked for before you get the savings.Discount auto insurance

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will lower the cost of your policy.

A list of auto insurance companies and some of the premium reductions they offer can be read below.

It’s a good idea to ask every company which discounts they offer. Some of the earlier mentioned discounts might not apply in your state. To choose companies that offer multiple discounts in Nevada, click this link.

When should I get advice from an agent?

A lot of people just want to get advice from a local agent. A good thing about getting online price quotes is you may find cheap rate quotes and also buy local. And buying from local agencies is especially important in Las Vegas.

Insurance agents in Las VegasUpon completion of this short form, your coverage information is emailed to companies in Las Vegas who want to provide quotes and help you find cheaper coverage. You won’t need to leave your house as quotes are delivered directly to you. It’s the lowest rates AND an agent nearby. If you wish to get a comparison quote from one company in particular, don’t hesitate to go to their quote page and submit a quote form there.

If you are searching for a local Las Vegas insurance agent, there are two different agency structures and how they can service your needs differently. Insurance policy providers are categorized either exclusive or independent (non-exclusive).

Independent Agents

Agents that elect to be independent do not work for one specific company so they can quote policies through lots of different companies and find you the best rates. If you want to switch companies, your agent can switch companies and you can keep the same agent.

When comparing rate quotes, we recommend you include at a minimum one independent agency to have the best price comparison.

Listed below are Las Vegas independent insurance agencies that may be able to provide free rate quotes.

3211 N Tenaya Way #115Las Vegas, NV 89129(702) 363-8040View Map

2349 E Bonanza RdLas Vegas, NV 89101(702) 671-4081View Map

6070 S Eastern Ave #400Las Vegas, NV 89119(702) 456-1400View Map

View more Las Vegas agents

Exclusive Agents

Agents that elect to be exclusive are contracted to one company like State Farm, Allstate, and Farm Bureau. These agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agents are well schooled on their company’s products which helps offset the inability to provide other markets.

The following are Las Vegas exclusive agencies that can give you rate quotes.

3375 Glen Ave #10Las Vegas, NV 89121(702) 696-1606View Map

2213 Paradise RdLas Vegas, NV 89104(702) 685-4888View Map

7455 W Azure Dr Suite 110Las Vegas, NV 89130(702) 562-7504View Map

View more Las Vegas agents

Picking a car insurance agent shouldn’t rely on just a cheap price quote. The questions below may impact your decision as well.

The best rates come from being thorough

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many instances, consumers will sacrifice collision coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Some companies do not offer online price quotes and usually these regional carriers provide coverage only through independent insurance agents. Cheaper auto insurance in Las Vegas is available online as well as from independent agents in Las Vegas, and you need to comparison shop both to have the best rate selection.

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