A recent auto insurance study discovered that the vast majority of drivers have bought auto insurance from the same company for more than four years, and just under half have never compared rates from other carriers. Many consumers in Nevada could save an average of roughly 35% each year by just comparing quotes, but they just don’t want to shop around.
If you want to find the absolute lowest rates, then the best way to get discount auto insurance rates is to do an annual price comparison from insurers who sell auto insurance in Las Vegas.
Step 1: Learn about how your policy works and the steps you can take to prevent expensive coverage. Many risk factors that are responsible for high rates such as traffic citations, accidents, and an imperfect credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.
Step 3: Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Tell your current company of your intent to cancel your existing policy. Submit the application along with any required down payment for your new coverage. As soon as you receive it, store the certificate of insurance along with the vehicle’s registration papers.
A good tip to remember is to use identical coverage information on each quote and and to get price quotes from every insurance company. This ensures a fair price comparison and plenty of rates choose from.
Affordable Las Vegas auto insurance rates with discounts
Companies that sell car insurance don’t list every policy discount in an easy-to-find place, so the list below contains both the well known and also the more inconspicuous auto insurance savings. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.
- Discount for Multiple Policies – If you can bundle your auto and home insurance with the same company you may earn as much as 10 to 15 percent.
- Smart Student Discounts – Performing well in school may save as much as 25% on a Las Vegas car insurance quote. The discount lasts up until you turn 25.
- Federal Employees – Active or former government employment could qualify for a slight premium decrease depending on your company.
- Pay Now and Pay Less – By making one initial payment instead of making monthly payments you can actually save on your bill.
- Discount for Low Mileage – Driving less may enable drivers to earn discounted rates on garaged vehicles.
- Distant Student – Any of your kids who live away from home to go to college and leave their car at home may qualify for this discount.
- Telematics Data Discounts – Las Vegas drivers who agree to allow driving data submission to monitor their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they are good drivers.
Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The chart below shows the comparison of Audi A3 auto insurance rates with and without discounts being applied to the rates. The data is based on a female driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, homeowner, claim-free, and marriage discounts applied.
To view insurers that provide some of the discounts listed above in Nevada, click here to view.
All major car insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get coverage price quotes on the web. The process is fairly straightforward as all you need to do is type in your coverage preferences into the form. When the form is submitted, their quoting system sends out for your credit score and driving record and returns a price based on the data you entered. Using the web to get rates for Audi A3 insurance in Las Vegas helps simplify price comparisons, and it’s also necessary to perform this step in order to find the best rate.
To save time and fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you type in coverages and limits identical to your current policy. Doing this guarantees you’re receiving a fair comparison based on identical coverages.
The companies in the list below provide free rate quotes in Las Vegas, NV. To locate cheap car insurance in Nevada, it’s highly recommended you visit as many as you can in order to find the most competitive rates.
Auto insurance statistics and figures
The information displayed below covers detailed analysis of coverage prices for Audi A3 models. Learning more about how policy rates are determined can be valuable when making smart choices when selecting a coverage provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|A3 2.0T Premium Package||$234||$544||$372||$22||$112||$1,284||$107|
|A3 2.0T Premium Plus Package||$234||$544||$372||$22||$112||$1,284||$107|
|A3 2.0T Quattro||$264||$544||$372||$22||$112||$1,314||$110|
|Get Your Own Custom Quote Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can alter coverage prices considerably.
The illustration below demonstrates how deductible levels and can influence Audi A3 annual premium costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Safe drivers pay cheaper rates
The information below highlights how speeding tickets and fender-benders can raise Audi A3 insurance costs for different age categories. Data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
Should you buy full coverage?
The illustration below illustrates the comparison of Audi A3 auto insurance costs with and without physical damage coverage. Data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no written rule of when to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Audi A3 settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the deductible is paid. If it’s costing you more than $600 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where only buying liability is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
When to get professional advice
When quoting and choosing coverage online or from an agent for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions might help in determining if you might need an agent’s assistance.
- Am I covered if I wreck a rental car?
- How long can I keep a teen driver on my policy?
- How much liability insurance is required?
- Should I have combined single limit or split liability limits?
- Are my tools covered if they get stolen from my vehicle?
- Will I lose any money if I cancel my policy before it expires?
- Do I have any recourse if my insurance company denies a claim?
- Do I have ACV or replacement cost coverage?
- Should I put collision coverage on all my vehicles?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.
Car insurance agents near you
Certain consumers still like to go talk to an agent. The biggest benefit of price shopping on the web is the fact that you can find cheaper premium rates and still have an agent to talk to.
By using this short form, the coverage information is instantly submitted to local insurance agents who will gladly provide quotes to get your business. It simplifies rate comparisons since you won’t have to contact any agents since rate quotes are delivered immediately to you. You can find better rates AND a local agent. In the event you want to compare prices from a specific car insurance provider, you would need to search and find their rate quote page to submit a rate quote request.
Finding the right company needs to be determined by more than just the price. Some important questions to ask are:
- Will the company cover a rental car if your car is getting fixed?
- Does the agent recommend any additional coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Can glass repairs be made at your home?
- Can you use your own choice of collision repair facility?
- Which companies do they recommend if they are an independent agency?
- Is the agent and/or agency licensed to do business in Nevada?
Is an exclusive or independent auto insurance agent right for you?
If you would like to find a reliable insurance agency, there are a couple of different types of agencies and how they can service your needs differently. Car insurance agents can be described as either independent agents or exclusive agents.
Exclusive Car Insurance Agencies
These agents can only write with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare rates from other companies so keep that in mind. Exclusive agents receive extensive training on their company’s products and that allows them to sell at a higher price point.
Below is a short list of exclusive agents in Las Vegas who may provide you with price quote information.
Marivic Macabasco – State Farm Insurance Agent
1096 E Sahara Ave #207 – Las Vegas, NV 89104 – (702) 892-9908 – View Map
Independent Insurance Agents
Agents that elect to be independent often have many company appointments so they can insure your vehicles through many different car insurance companies depending on which coverage is best. If prices rise, the agent simply finds a different carrier which is easy for the insured. If you need cheaper car insurance rates, you will definitely want to get insurance quotes from independent agents in order to compare the most rates.
The following are Las Vegas independent insurance agencies that are able to give price quotes.
Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map
Car insurance coverages and their meanings
Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, dental work, pain medications and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Audi A3.
Since many Nevada drivers carry very low liability coverage limits (15/30/10 in Nevada), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
This coverage will cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for claims like legal defense fees, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible. Nevada state law requires minimum liability limits of 15/30/10 but you should consider buying more coverage.
The illustration below demonstrates why low liability limits may not be enough coverage.
Collision insurance covers damage to your A3 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like sustaining damage from a pot hole, sideswiping another vehicle, rolling your car and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your A3 to save money on collision insurance.
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as a broken windshield, damage from flooding, falling objects, damage from getting keyed and hail damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Cover all your bases
When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at the best possible price and still be able to protect your assets.
People who switch companies do it for a variety of reasons including high rates after DUI convictions, high prices, poor customer service or even delays in responding to claim requests. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.
Discount Audi A3 insurance in Las Vegas is definitely available on the web as well as from insurance agents, so you need to shop Las Vegas car insurance with both in order to have the best chance of saving money. A few companies do not provide price quotes online and usually these small insurance companies only sell coverage through independent agencies.
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