Buying the cheapest Las Vegas Mercedes-Benz SLS AMG insurance quotes over the internet might appear rather challenging for consumers who are beginners to quoting and comparing prices on the web. With such a large number of insurers available, how can you effectively compare each option to find better auto insurance prices?
A recent auto insurance study revealed that the vast majority of auto insurance customers kept their coverage with the same auto insurance company for at least the last four years, and just short of a majority have never shopped around. Most drivers in Nevada can save hundreds of dollars each year just by comparing rates, but they underestimate the large savings they would see if they moved their coverage to a different company.
Quoting and comparing rates for the lowest-priced car insurance in Las Vegas is easy if you know what you’re doing. Essentially each driver who quotes car insurance should find a lower-cost company. Nevertheless, Nevada vehicle owners must know how insurance companies compete online because it can help you find the best coverage.
To find the best auto insurance rates, there are several ways to compare rate quotes from all the different companies. The quickest method to find the cheapest Mercedes-Benz SLS AMG insurance rates is to get quotes online.
When comparison shopping, making a lot of price comparisons helps locate a lower rate than you’re paying now. Some smaller insurers do not give Las Vegas SLS AMG insurance quotes over the internet, so it’s important to compare quotes from the smaller companies as well.
The companies in the list below have been selected to offer price comparisons in Las Vegas, NV. If you want cheap car insurance in Las Vegas, we suggest you get rate quotes from several of them to find the lowest auto insurance rates.
These discounts can lower Mercedes-Benz SLS AMG insurance rates
Companies that sell car insurance do not list every policy discount in a way that’s easy to find, so we took the time to find a few of the more common and the more hidden credits available to lower your premiums when you buy Las Vegas auto insurance online.
- Policy Bundle Discount – When you have multiple policies and place coverage with the same company you may earn nearly 15% which can help you find affordable Mercedes-Benz SLS AMG insurance rates in Las Vegas.
- Mature Driver Discount – Mature drivers may be able to get better insurance rates.
- Low Miles Discount – Low mileage vehicles can earn cheaper insurance rates.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Active Service Discounts – Being deployed with a military unit could be rewarded with lower prices.
- Discounts for Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Accident Waiver – This one isn’t a discount, but a few companies such as Progressive and Allstate will allow you to have one accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
You should keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.
The best insurance companies and some of the premium reductions they offer are detailed below.
- GEICO offers discounts for multi-policy, five-year accident-free, membership and employees, anti-lock brakes, federal employee, driver training, and daytime running lights.
- SAFECO policyholders can earn discounts including teen safe driver, safe driver, anti-theft, multi-car, accident prevention training, drive less, and homeowner.
- State Farm includes discounts for multiple policy, anti-theft, good student, multiple autos, safe vehicle, and good driver.
- MetLife offers premium reductions for defensive driver, accident-free, claim-free, multi-policy, good driver, and good student.
- 21st Century offers discounts including student driver, air bags, teen driver, good student, and defensive driver.
- Progressive may include discounts for continuous coverage, homeowner, good student, multi-policy, and online signing.
When getting free Las Vegas auto insurance quotes, it’s a good idea to every insurance company which discounts can lower your rates. Some discounts might not be offered on policies in your area.
Las Vegas Insurance Prices are Influenced by These Factors
Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, although some other factors are less apparent like your vehicle usage or how financially stable you are.
Listed below are some of the factors companies use to determine your rates.
Does car insurance cost more for men? – The statistics show that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Females and males are in auto accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
Your liability limits – Your policy’s liability coverage will provide protection if ever you are found liable for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Stay claim-free and lower rates – If you are a frequent claim filer, don’t be surprised to see either policy cancellation or increased premiums. Companies in Nevada provide most affordable rates to policyholders who only file infrequent claims. Your insurance policy is intended for major claims that would cause financial hardship.
Rates can be impacted by your occupation – Occupations like real estate brokers, business owners, and emergency personnel tend to have higher premium rates attributed to job stress and incredibly demanding work hours. Other careers such as actors, athletes and performers pay the least.
Responsible credit saves on insurance – Credit score is likely to be a major factor in calculating your insurance rates. Therefore, if your credit history is low, you could be paying less to insure your Mercedes-Benz SLS AMG if you clean up your credit. People with good credit tend to be better drivers and file fewer claims than drivers with lower ratings.
Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and fewer serious injuries means less claims paid which can result in lower premiums. If your Mercedes-Benz earned at least four stars on Safercar.gov it is probably cheaper to insure.
Raise your coverage deductibles for better rates – The deductibles you choose are how much you are willing to pay if a covered claim is submitted. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered are colliding with a stationary object, damage caused by hail, and damage from wind. The larger the amount the insured is willing to pay, the less your insurance will be.
Insurance agencies can help
A small number of people still prefer to get advice from a local agent. An additional benefit of comparing car insurance online is that you can obtain cheap rate quotes but still work with a licensed agent. Buying insurance from local insurance agencies is important particularly in Las Vegas.
To find an agent, once you fill out this form (opens in new window), your information is emailed to companies in Las Vegas who will give competitive quotes and help you find cheaper coverage. There is no reason to search for an agent since rate quotes are delivered instantly to you. You can find better rates without having to waste a lot of time. If you wish to get a rate quote from one company in particular, you can always go to their quote page and complete a quote there.
If you are wanting to find a reputable agency, you need to know there are two types of agencies and how they are slightly different. Agents can either be independent or exclusive depending on the company they work for.
Independent Agents (or Brokers)
Independent insurance agents do not sell for just one brand and that enables them to quote your coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house which requires no work on your part.
When comparing rates, you will want to compare quotes from a couple of independent agencies for maximum quote selection. Many write coverage with smaller mutual companies that may provide cheaper car insurance rates.
Featured below is a small list of independent insurance agents in Las Vegas that can possibly get you free car insurance rate quotes.
- Safeguard Insurance LLC
5225 S Durango Dr – Las Vegas, NV 89113 – (702) 638-0022 – View Map - Superior Insurance
2511 Stewart Ave – Las Vegas, NV 89101 – (702) 721-7575 – View Map - Bleecher Insurance
3085 S Jones Blvd – Las Vegas, NV 89146 – (702) 477-7776 – View Map
Exclusive Car Insurance Agents
Exclusive agencies can only provide one company’s prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. They are well schooled on their company’s products which can be an advantage. Consumers often buy from exclusive agents mostly because of the brand and solid financial strength.
Listed below are Las Vegas exclusive agents that are able to give price quotes.
- State Farm Insurance: Nancy Kim
2213 Paradise Rd – Las Vegas, NV 89104 – (702) 685-4888 – View Map - LaDonna Koeller – State Farm Insurance Agent
4275 N Rancho Dr #155 – Las Vegas, NV 89130 – (702) 636-9447 – View Map - Tod Young – State Farm Insurance Agent
7450 W Cheyenne Ave #105 – Las Vegas, NV 89129 – (702) 367-4900 – View Map
Picking an insurance agency is decision based upon more than just the bottom line cost. Here are some questions you might want to ask.
- Do they get extra compensation for selling add-on coverages?
- Does the agent help file claims?
- How many companies do they write for?
- Which insurance company do they prefer to write with?
- Does the company have a local claim office in Las Vegas?
Which policy gives me the best coverage?
When it comes to a policy, there isn’t really a “perfect” insurance plan. Each situation is unique.
Here are some questions about coverages that may help you determine whether you would benefit from professional advice.
- When would I need rental car insurance?
- Can I cancel at any time?
- Should I drop comprehensive coverage on older vehicles?
- Why do I have to buy liability insurance?
- Do I need motorclub coverage?
- Do I need to call my car insurance company before buying a new car?
- Do I have coverage when using my vehicle for my home business?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Ratings for Las Vegas auto insurance companies
Insuring your vehicle with the highest-rated auto insurance provider is difficult considering how many different companies there are to choose from in Las Vegas. The company rank data in the next section may help you select which car insurance providers you want to consider purchasing a policy from.
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- 21st Century – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Las Vegas Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
One last thing about your coverage
Insureds who switch companies do it for a number of reasons such as denial of a claim, unfair underwriting practices, extreme rates for teen drivers and even lack of trust in their agent. Regardless of your reason, finding a great new company is easier than you think.
Cheap Mercedes-Benz SLS AMG insurance in Las Vegas can be bought on the web and also from your neighborhood Las Vegas agents, so you should be comparing quotes from both to have the best selection. Some companies may not offer rate quotes online and most of the time these regional insurance providers provide coverage only through independent insurance agents.
When getting Las Vegas auto insurance quotes online, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.
How to save on Mercedes-Benz SLS AMG insurance in Las Vegas
It takes a few minutes, but the best way to save money on Mercedes-Benz SLS AMG insurance is to compare prices at least once a year from different companies who provide car insurance in Las Vegas. Rates can be compared by completing these steps.
Step 1: Learn about the coverage provided by your policy and the changes you can make to drop your rates. Many policy risk factors that are responsible for high rates like at-fault accidents and your credit history can be remedied by making small lifestyle or driving habit changes.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Allstate, while independent agencies can quote rates for a wide range of companies.
Step 3: Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find better rates and switch companies, make sure there is no coverage gap between policies.
Step 4: Notify your company or agent to cancel your existing policy and submit the application along with any required down payment to your new carrier. Make sure you store the certificate of insurance in an easily accessible location.
The most important part of this process is that you’ll want to compare the same liability limits and deductibles on each quote and and to analyze as many car insurance companies as possible. Doing this enables the most accurate price comparison and a complete rate analysis.
Even more information is available at these sites:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Las Vegas Auto Insurance for Veterans? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Escape in Las Vegas? (FAQ)
- How Much are Car Insurance Quotes for Felons in Las Vegas? (FAQ)
- What Auto Insurance is Cheapest for a Chevrolet Silverado in Las Vegas? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)