If you are new to online price comparisons, chances are good that you are baffled because of the huge number of insurance companies all promising to save you money.
It's hard to believe, but over 70% of consumers have remained with the same insurance company for at least the last four years, and nearly half have never even compared rates from other companies. Las Vegas drivers could pocket as much as $500 a year, but they just feel it's too hard to shop around.
Affordable companies for Jeep Compass insurance
The companies shown below have been selected to offer price quotes in Las Vegas, NV. If more than one company is shown, we suggest you visit several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Compass Sport 2WD||$166||$306||$372||$22||$112||$978||$82|
|Compass Sport 4WD||$220||$324||$404||$24||$120||$1,092||$91|
|Compass Limited 2WD||$258||$470||$314||$18||$94||$1,154||$96|
|Compass Limited 4WD||$194||$324||$308||$18||$92||$936||$78|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in garaging location in Las Vegas which can influence auto insurance rates substantially.
Male drivers compared to female drivers
The diagram below illustrates the comparison of Jeep Compass annual premium costs for male and female drivers. The information is based on no violations or accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
The information below demonstrates how choosing different deductibles and can increase or decrease Jeep Compass insurance costs for different ages of insureds. The premium estimates are based on a single male driver, full coverage, and no additional discounts are factored in.
Reckless driving habits raise Las Vegas auto insurance rates
The example below demonstrates how citations and accident claims impact Jeep Compass auto insurance rates for different age groups. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Don't neglect these five discounts on Jeep Compass insurance in Las Vegas
Properly insuring your vehicles can get expensive, but you can get discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of purchase, but a few must be manually applied before they will apply. If you aren't receiving every discount available, you could be getting lower rates.
- Seat Belt Discounts - Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
- Telematics Data Discounts - Insureds who allow their insurance company to monitor where and when they drive by using a small device installed in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates if they are good drivers.
- Good Drivers - Safe drivers can pay as much as 50% less than their less cautious counterparts.
- Low Miles Discount - Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
- Anti-theft System - Vehicles that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Las Vegas car insurance quote.
As a sidenote, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, it's just not the way it works.
To see a list of companies with the best Jeep Compass insurance discounts in Las Vegas in Nevada, click here to view.
Car insurance quotes from local Las Vegas insurance agents
Certain consumers would prefer to sit down and talk to an agent and that is a smart decision An additional benefit of comparing insurance prices online is you can get lower prices but still work with a licensed agent. And supporting local insurance agents is important particularly in Las Vegas.
After completing this short form, your information is sent to companies in Las Vegas who will give you bids for your business. It simplifies rate comparisons since you won't have to do any legwork as quotes are delivered to your email. You can find the lowest rates and work with a local agent. If you need to compare prices from a specific insurance company, you would need to jump over to their website and complete a quote there.
If you prefer to buy car insurance from a reliable insurance agency, you need to know there are two types of insurance agents to choose from. Las Vegas agents can be described as either independent or exclusive.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent are not restricted to one company so they have the ability to put coverage with an assortment of companies and find the cheapest rate. To transfer your coverage to a different company, your agent can just switch to a different company which requires no work on your part. When comparing rates, you will definitely want to compare quotes from at a minimum one independent agency for the best price selection. They also have the ability to place coverage with small mutual carriers which may have better rates.
Featured below is a small list of independent agencies in Las Vegas that can give you cheap rate quotes.
- Universal Insurance Agency
348 N Nellis Blvd - Las Vegas, NV 89110 - (702) 838-5141 - View Map
- Omega Insurance Brokerage
3301 W Spring Mountain Rd - Las Vegas, NV 89102 - (702) 685-0170 - View Map
- All Around Insurance Agency, Inc.
3970 N Tenaya Way #110 - Las Vegas, NV 89129 - (725) 696-7707 - View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to buy from the same agent for years mostly because of loyalty to the company instead of buying on price only.
Below is a short list of exclusive insurance agents in Las Vegas that can give you comparison quotes.
- Juan Diaz - State Farm Insurance Agent
1718 S Eastern Ave - Las Vegas, NV 89104 - (702) 489-4242 - View Map
- Mike Whitford - State Farm Insurance Agent
6485 N Decatur Blvd #150 - Las Vegas, NV 89131 - (702) 463-2400 - View Map
- Ron Reedom - State Farm Insurance Agent
1943 N Nellis Blvd - Las Vegas, NV 89115 - (702) 459-9546 - View Map
Picking the best insurance agency requires you to look at more than just the bottom line cost. Ask your prospective agent these questions:
- By raising physical damage deductibles, how much would you save?
- If they are an independent agency in Las Vegas, which companies do they recommend?
- What is the agency's Better Business Bureau rating?
- Do the coverages you're quoting properly cover your vehicle?
- Which insurance company do they prefer to write with?
- How much training do they have in personal risk management?
- Is the quote a firm price?
- Do you work with a CSR or direct with the agent?
Auto insurance advertisements
State Farm and Allstate consistently run television and radio advertisements. They all seem to seem to make the promise about how much you will save after switching your policy. It sounds good, but how can they all charge lower premium rates? This is the way they can do it.
Insurance companies quote their cheapest rates for the type of driver they prefer to insure. For example, a preferred risk might have to be between the ages of 40 and 55, has no tickets, and drives less than 5,000 miles a year. A customer getting a price quote who fits those characteristics will get the preferred rates in Las Vegas and will most likely save some money.
Drivers who do not meet these standards will probably have to pay higher prices and this can result in the customer not buying. If you pay close attention to the ads, they say "drivers that switch" but not "all drivers who get quotes" save that much. That's why companies can truthfully make the claims of big savings.
This really emphasizes why drivers must compare price quotes frequently. It's just not possible to know which company will have better car insurance rates than you're paying now.
Auto insurance coverage information
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.
Liability auto insurance
Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects you against other people's claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 15/30/10 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things such as emergency aid, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Nevada requires drivers to carry at least 15/30/10 but you should think about purchasing more coverage.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, hail damage, vandalism, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
This pays for damage to your Compass from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a parking meter, hitting a mailbox, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Compass in order to get cheaper collision rates.
Medical expense insurance
Med pay and PIP coverage pay for immediate expenses like nursing services, pain medications, hospital visits, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.
Due to the fact that many Nevada drivers carry very low liability coverage limits (Nevada limits are 15/30/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy's liability coverage.
Cheap car insurance is out there
You just read many ideas to find lower-cost Jeep Compass insurance in Las Vegas. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive Las Vegas car insurance quotes. Drivers may even discover the best auto insurance rates are with the smaller companies.
When getting Las Vegas car insurance quotes online, it's not a good idea to buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.
People leave their current company for many reasons like unfair underwriting practices, lack of trust in their agent, delays in responding to claim requests and even policy cancellation. No matter why you want to switch, choosing a new insurance company is less work than it seems.
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for a Honda CR-V in Nevada? (FAQ)
- Who Has Affordable Nevada Car Insurance for a Chevrolet Silverado? (FAQ)
- What Auto Insurance is Cheapest in Gardnerville Ranchos, Nevada? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Nevada? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance FAQ (Trusted Choice)
- Help Your Teen Be a Better Driver (State Farm)