How long has it been since you shopped around for more affordable car insurance rates in Las Vegas, NV? Las Vegas buyers have options when searching for low-cost GMC Terrain insurance. They can either waste time driving around getting price quotes or leverage the internet to make rate comparisons. There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used GMC and get the best price possible from Las Vegas insurance agents and online providers.
Anyone knows that car insurance companies don’t want customers comparing rates. People who compare rates once a year are highly likely to switch to a new company because there is a high probability of finding a policy with more affordable rates. A recent study showed that consumers who did price comparisons regularly saved approximately $865 annually as compared to drivers who never shopped around for better prices.
If finding low prices for GMC Terrain insurance is why you’re here, then knowing the best way to compare auto insurance can save time and make the process easier.
Consumers should take time to do rate comparisons once or twice a year since rates are adjusted regularly by insurance companies. Even if you think you had the lowest premium rates on GMC Terrain insurance in Las Vegas six months ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out the fastest way to find great coverage at a great price.
Companies offering GMC Terrain insurance in Nevada
The providers in the list below can provide quotes in Las Vegas, NV. If you wish to find cheap auto insurance in Las Vegas, NV, we recommend you compare several of them to get a more complete price comparison.
GMC Terrain detailed coverage information
The rate information below highlights a range of policy rates for GMC Terrain models. Being aware of how insurance policy rates are calculated helps drivers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $242 | $440 | $270 | $16 | $80 | $1,048 | $87 |
| Terrain SLE AWD | $242 | $440 | $270 | $16 | $80 | $1,048 | $87 |
| Terrain SLT 2WD | $272 | $520 | $270 | $16 | $80 | $1,158 | $97 |
| Terrain SLT AWD | $272 | $520 | $270 | $16 | $80 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific location information which can affect price quotes substantially.
Raise deductibles and save
When buying car insurance, a common question is which deductible level should you buy. The comparisons below show the premium difference between low and high policy deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $266 | $478 | $262 | $16 | $78 | $1,125 | $94 |
| Terrain SLE AWD | $266 | $478 | $262 | $16 | $78 | $1,125 | $94 |
| Terrain SLT 2WD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Terrain SLT AWD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $194 | $324 | $262 | $16 | $78 | $874 | $73 |
| Terrain SLE AWD | $194 | $324 | $262 | $16 | $78 | $874 | $73 |
| Terrain SLT 2WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Terrain SLT AWD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can affect insurance rates substantially.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $22 more each month or $264 a year than buying the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 18 months between claim filings, you would probably be better off if you choose a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $99 |
| Average monthly premium for $500 deductibles (subtract): | – $77 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Insurance Rate Influencing Factors
Multiple criteria are used in the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but others are less apparent like where you live or your vehicle rating.
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Pay more by driving carelessly – Your driving record influences premium rates substantially. Attentive drivers receive lower rates as compared to careless drivers. Getting just one moving violation may cause rates to rise substantially. Drivers who get flagrant violations like DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
The illustration below shows how violations and accident claims influence GMC Terrain car insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.
- The more you drive the more you pay – Driving a lot of miles each year the more it will cost to insure it. Almost all companies calculate rates determined by how the vehicle is used. Cars that sit idle most of the time cost less to insure than those that get driven frequently. It’s always a good idea to double check that your auto insurance policy is rated on the right rating data, because it can save money. Having the wrong rating on your Terrain can cost quite a bit.
- Auto insurance lapses raise rates – Letting your insurance expire is a quick way to increase your renewal premiums. Not only will you pay more, the inability to provide proof of insurance may result in fines and jail time.
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Are women or men drivers cheaper? – The statistics show that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Both genders cause fender benders in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men have more aggressive citations like driving under the influence (DUI).
The illustration below shows the comparison of GMC Terrain premium costs for male and female drivers. The premiums assume no claims or driving citations, full coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.
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Costs go up with performance – The make and model of the car you are buying insurance for makes a big difference in determining your rates. Lower performance four cylinder passenger models receive the most favorable rates, but your final cost has many other factors.
The data below assumes a single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It compares GMC Terrain car insurance rates compared to other makes and models that have different performances.
- Lower rates for vehicles with better crash test results – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your GMC earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
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Insurance loss data for a GMC Terrain – Car insurance companies factor in insurance loss information when they file their rates in each state. Vehicles that the statistics show to have a higher amount or frequency of claims will cost more for coverage.
The information below illustrates the historical loss data for GMC Terrain vehicles. For each insurance policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, equals 100. Values that are 100 or less mean the vehicle has better than average losses, while values that are 100 or greater indicate more frequent losses or an increased chance of a larger loss.
GMC Terrain Insurance Claim Statistics Specific GMC Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury GMC Terrain 4dr 2WD 89 83 81 96 92 86 GMC Terrain 4dr 4WD 89 86 85 83 82 74 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance discounts help lower rates for GMC Terrain insurance in Las Vegas
Car insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Some of these discounts will be visible when you complete an application, but less common discounts must be specifically requested prior to getting the savings.
- Discount for New Cars – Putting coverage on a new Terrain can save up to 30% because newer models keep occupants safer.
- Government Employees – Federal government employees could qualify for a slight premium decrease depending on your company.
- Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
- ABS Braking Discount – Vehicles with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
- Early Renewal Discounts – Select companies give a discount for switching to them before your current expiration date. You may see this discount when you get Las Vegas car insurance quotes online.
You should keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will positively reduce the amount you have to pay.
The chart below visualizes the comparison of GMC Terrain premium costs with and without discounts applied to the rates. Data assumes a male driver, no claims or driving citations, Nevada state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.
Companies and the discounts they provide are included below.
- The Hartford offers discounts for bundle, anti-theft, vehicle fuel type, defensive driver, and good student.
- American Family may have discounts that include mySafetyValet, defensive driver, bundled insurance, good driver, and good student.
- Progressive has savings for multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, online quote discount, and good student.
- Travelers discounts include multi-policy, new car, student away at school, continuous insurance, multi-car, and good student.
- Farmers Insurance has discounts for electronic funds transfer, mature driver, youthful driver, teen driver, homeowner, and business and professional.
- USAA may include discounts for new vehicle, multi-policy, good student, safe driver, vehicle storage, loyalty savings, and family discount.
- Liberty Mutual may offer discounts for new vehicle discount, newly retired, good student, multi-car, exclusive group savings, newly married, and teen driver discount.
When getting free Las Vegas car insurance quotes, it’s a good idea to each company or agent which credits you are entitled to. Some credits may not be available in Las Vegas. If you would like to choose from a list of insurance companies that have a full spectrum of discounts in Nevada, follow this link.
Neighborhood insurance agents
Certain consumers still prefer to get advice from a local agent and often times that is recommended Licensed agents are highly skilled in risk management and help you file claims. A good thing about comparing rates online is that you can find better rates and still have an agent to talk to.
After completing this short form, your information is sent to insurance agents in Las Vegas who want to provide quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies as quotes are delivered to your email. If for some reason you want to get a rate quote from a specific car insurance provider, feel free to search and find their rate quote page and submit a quote form there.
Deciding on a company requires you to look at more than just the quoted price. Ask your prospective agent these questions:
- Can glass repairs be made at your home?
- Do you work with a CSR or direct with the agent?
- Does the agency support the community they serve?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How long has their agency been in business in Las Vegas?
- Did they already check your driving record and credit reports?
- If they are an independent agency in Las Vegas, which companies do they recommend?
- Is the agent properly licensed in Nevada?
Las Vegas car insurance agents are either independent or exclusive
When narrowing the list to find a good Las Vegas insurance agent, it helps to know the two different types of agents and how they can quote your rates. Insurance agencies in Las Vegas are either exclusive or independent (non-exclusive). Both do a good job, but it is a good idea to know the subtle differences because it can factor into the kind of agent you use.
Exclusive Car Insurance Agents
These type of agents write business for a single company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company’s prices so always compare other rates. Exclusive agents are usually well trained in insurance sales which helps them compete with independent agents. A lot of people buy from exclusive agents mainly due to loyalty to the company and solid financial strength.
The following is a short list of exclusive insurance agencies in Las Vegas that can give you price quotes.
- Mario Giannini – State Farm Insurance Agent
9484 W Lake Mead Blvd #7 – Las Vegas, NV 89134 – (702) 982-3300 – View Map - Andy Ballagh – State Farm Insurance Agent
7455 W Azure Dr Suite 110 – Las Vegas, NV 89130 – (702) 562-7504 – View Map - State Farm: Gregory A Moore
4312 W Charleston Blvd – Las Vegas, NV 89102 – (702) 870-9298 – View Map
Independent Car Insurance Agencies
Independent agents do not sell for just one brand and that gives them the ability to insure with lots of companies and get you the best rates possible. If premiums increase, your agent can switch companies and you can keep the same agent.
If you are trying to find cheaper rates, it’s a good idea to include rate quotes from at a minimum one independent agency in order to have the best price comparison. Many can place coverage with small mutual carriers which may provide better rates.
The following is a short list of independent insurance agencies in Las Vegas that can give you price quotes.
- Nationwide Insurance: The Delbrocco Agency
5150 Spring Mountain, Unit 11 – Las Vegas, NV 89146 – (702) 730-0009 – View Map - Bleecher Insurance
3085 S Jones Blvd – Las Vegas, NV 89146 – (702) 477-7776 – View Map - Insurance Group of Nevada
US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 – Las Vegas, NV 89102 – (702) 996-6434 – View Map
If you receive satisfactory answers and an affordable coverage quote, you have narrowed it down to an insurance agency that is reliable enough to service your policy.
Best car insurance company in Nevada
Picking the highest-rated car insurance provider can be rather challenging considering how many different companies there are to choose from in Las Vegas. The company information listed below could help you select which coverage providers to look at purchasing from.
Top 10 Las Vegas Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
When do I need an agent’s advice?
When quoting and comparing coverage for your personal vehicles, there really isn’t a best way to insure your cars. Every insured’s situation is different and your policy should reflect that.
Here are some questions about coverages that might help in determining if you would benefit from professional advice.
- What is the premium to book value ratio for dropping full coverage?
- Should I have a commercial auto policy?
- Do I need motorclub coverage?
- How much cheaper are high deductibles?
- If my car is totaled with they pay enough to replace it?
- What is PIP insurance?
- Is my son or daughter covered when driving my car?
- Is a fancy paint job covered?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
Smart consumers save more
As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.
We just showed you quite a bit of information on how to lower your GMC Terrain insurance rates in Las Vegas. It’s most important to understand that the more you quote Las Vegas car insurance, the better likelihood of getting the cheapest GMC Terrain rate quotes. You may even find the most savings is with a small mutual company. Smaller companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.
How to buy low-cost GMC Terrain insurance in Las Vegas
If you want to save the most money, the best way to find affordable quotes for GMC Terrain insurance is to do a yearly price comparison from insurers who can sell car insurance in Las Vegas.
- Learn about how insurance works and the measures you can control to prevent expensive coverage. Many factors that cause rate increases such as multiple speeding tickets and poor credit can be rectified by making small lifestyle or driving habit changes.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can provide rate quotes for many different companies.
- Compare the quotes to your current policy to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
One key aspect when comparing rates is to make sure you’re comparing identical deductibles and limits on every quote and and to look at as many different companies as possible. This helps ensure an accurate price comparison and the best price selection.
More information can be found at these links:
- All About Airbag Safety (State Farm)
- How Much are Las Vegas Auto Insurance Quotes for a Ford F-150? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Escape in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for Drivers with a DUI? (FAQ)
- Who Has Affordable Auto Insurance for a Hyundai Sonata in Las Vegas? (FAQ)
- How Much is Las Vegas Auto Insurance for Active Military? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)