No normal person looks forward to buying insurance, especially when they know their premiums are too high.

Insurance quote for Honda Accord in Las VegasUnbelievable but true, about 70% of customers kept buying from the same company for well over three years, and nearly half have never even compared quotes to find affordable rates. American drivers could save nearly $850 a year just by shopping around, but they just don't understand the large savings they would see if they replace their high priced policy.

There are many insurers to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to find the best rates for your vehicles.

Lower Your Las Vegas Insurance Premiums

Many different elements are part of the equation when quoting car insurance. Most are fairly basic such as your driving record, but other criteria are not quite as obvious such as your credit history or your commute time. A large part of saving on car insurance is knowing the rating factors that go into determining car insurance rates. If you understand what determines premiums, this helps enable you to make changes that could result in lower rates.

The itemized list below are some of the major factors utilized by car insurance companies to help set rates.

Just remember that comparing more quotes provides better odds of finding the best offered rates.

The companies shown below are ready to provide free rate quotes in Nevada. If multiple providers are shown, we suggest you visit two to three different companies in order to find the cheapest rates.

Honda Accord Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $202 $324 $268 $16 $80 $890 $74
Accord LX 4-Dr Sedan $146 $260 $276 $16 $82 $780 $65
Accord EX 4-Dr Sedan $264 $394 $344 $20 $102 $1,124 $94
Accord LX-P 4-Dr Sedan $200 $372 $340 $20 $102 $1,034 $86
Accord LX-P 4-Dr Sedan $166 $306 $316 $18 $94 $900 $75
Accord EX-L 4-Dr Sedan $142 $248 $268 $16 $80 $754 $63
Accord EX 2-Dr Coupe $186 $402 $334 $20 $100 $1,042 $87
Accord LX-S 2-Dr Coupe $144 $342 $422 $24 $126 $1,058 $88
Accord EX-L 2-Dr Coupe $162 $342 $422 $24 $126 $1,076 $90
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific zip code location which can affect premium rates considerably.

Comparison of policy deductibles

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The following tables may help to illustrate the cost difference of buying low and high coverage deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $208 $330 $262 $16 $78 $919 $77
Accord LX 4-Dr Sedan $208 $330 $262 $16 $78 $919 $77
Accord EX 4-Dr Sedan $208 $330 $262 $16 $78 $919 $77
Accord LX-P 4-Dr Sedan $208 $330 $262 $16 $78 $919 $77
Accord LX-P 4-Dr Sedan $208 $330 $262 $16 $78 $919 $77
Accord EX-L 4-Dr Sedan $238 $402 $262 $16 $78 $1,021 $85
Accord EX 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
Accord LX-S 2-Dr Coupe $238 $472 $348 $20 $104 $1,207 $101
Accord EX-L 2-Dr Coupe $268 $472 $348 $20 $104 $1,237 $103
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $168 $266 $262 $16 $78 $790 $66
Accord LX 4-Dr Sedan $168 $266 $262 $16 $78 $790 $66
Accord EX 4-Dr Sedan $168 $266 $262 $16 $78 $790 $66
Accord LX-P 4-Dr Sedan $168 $266 $262 $16 $78 $790 $66
Accord LX-P 4-Dr Sedan $168 $266 $262 $16 $78 $790 $66
Accord EX-L 4-Dr Sedan $194 $324 $262 $16 $78 $874 $73
Accord EX 2-Dr Coupe $194 $382 $348 $20 $104 $1,048 $87
Accord LX-S 2-Dr Coupe $194 $382 $348 $20 $104 $1,048 $87
Accord EX-L 2-Dr Coupe $218 $382 $348 $20 $104 $1,072 $89
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Premium data assumes 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 costs do not factor in specific location which can modify coverage prices considerably.

Based on the above data, using a $250 deductible will cost you approximately $12 more each month or $144 a year than buying the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claims, you would most likely save money if you choose the higher deductible.

Best reasons to buy insurance in Nevada

Despite the high cost, buying insurance is a good idea for several reasons.

The benefits of carrying enough insurance are without a doubt worth the cost, especially with large liability claims. The average driver in America overpays as much as $855 a year so smart consumers compare quotes at every renewal to make sure the price is not too high.

Car insurance discounts are available to cut your rates

Companies that sell car insurance don't always publicize their entire list of discounts in an easy-to-find place, so we break down some of the best known and also the more inconspicuous credits available to you. If you do not check that you are getting every discount you qualify for, you are throwing money away.Save money with discounts

Keep in mind that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, companies wouldn't make money that way.

To locate car insurance companies who offer free Honda Accord insurance quotes in Las Vegas, click here.

Auto insurance agents near you

Some consumers just want to get professional advice from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing car insurance online is you can get cheap rate quotes but still work with a licensed agent. And providing support for local insurance agencies is especially important in Las Vegas.

Find insurance agent in Las VegasTo make it easy to find an agent, after completing this short form, the coverage information is sent to agents in your area who will give you bids to get your business. You never need to contact any insurance agencies because prices are sent to you. You can get cheaper car insurance rates without the usual hassles of price shopping. If you need to compare rates from a specific car insurance provider, don't hesitate to go to their quote page to submit a rate quote request.

If you are wanting to purchase car insurance from a local insurance agency, it helps to know the two different agency structures and how they can quote your rates. Agents are either exclusive or independent (non-exclusive).

Independent Insurance Agents

Independent agents are not locked into one company so they can write business amongst many companies and get you the best rates possible. If you want to switch companies, they simply move the coverage in-house and the insured can keep the same agent.

When shopping rates, we highly recommend that you get insurance quotes from at a minimum one independent agency to get the most accurate price comparison.

Featured below is a partial list of independent agents in Las Vegas that can possibly get you pricing information.


9440 W Sahara Ave #210 - Las Vegas, NV 89117 - (702) 873-4889 - View Map


4175 S Riley St #200 - Las Vegas, NV 89147 - (702) 597-5998 - View Map


5025 S Eastern Ave #20 - Las Vegas, NV 89119 - (702) 307-3398 - View Map

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Exclusive Car Insurance Agents

Agents that choose to be exclusive can usually just insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot shop your coverage around so keep that in mind. Exclusive agencies are usually well trained in insurance sales which helps them sell on service rather than price.

Listed below are exclusive insurance agents in Las Vegas that are able to give rate quotes.


3370 S Hualapai Way #140 - Las Vegas, NV 89117 - (702) 648-6642 - View Map


1350 E Flamingo Rd #14 - Las Vegas, NV 89119 - (702) 836-0953 - View Map


4045 Spencer St #114 - Las Vegas, NV 89119 - (702) 735-0926 - View Map

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Finding a good insurance agent shouldn't rely on just a cheap price quote. Here are some questions you should ask.

When to get professional advice

When buying the right insurance coverage, there isn't really a best way to insure your cars. Every insured's situation is different.Safe vehicles cost less to insure

These are some specific questions can aid in determining whether you might need an agent's assistance.

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Smart shoppers get results

Consumers leave their current company for a number of reasons such as denial of a claim, delays in paying claims, policy non-renewal and policy cancellation. Whatever your reason, choosing a new company is easier than you think.

We just showed you many tips how you can shop for Honda Accord insurance online. It's most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising.

Budget-friendly car insurance in Las Vegas is definitely available online in addition to many Las Vegas insurance agents, so get free Las Vegas car insurance quotes from both of them to have the best chance of lowering rates. A few companies may not provide rate quotes online and many times these regional insurance providers only sell through independent insurance agents.

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