Comparison shopping for more affordable Mazda CX-9 insurance in Las Vegas may be frustrating for drivers not familiar with online price comparisons. With so many options of insurance companies available, it can turn into a chore to find cheaper prices in Nevada.
It's shocking but about 70% of customers kept their coverage with the same insurance company for a minimum of four years, and approximately 40% of consumers have never compared insurance rates at all. With the average premium in Nevada being $1,620, drivers could pocket $545 a year just by shopping around, but they don't want to take the time to find affordable rates by getting comparison quotes.
When comparison shopping, there are several ways to compare prices from local Las Vegas car insurance companies. The quickest method to lower the rate you pay for Mazda CX-9 insurance is to use the internet to compare rates. It's important to know that quoting more provides better odds of finding a lower rate than you're paying now. Some smaller insurers do not give online price quotes, so you need to compare rates from them as well.
The companies in the list below offer comparison quotes in Nevada. If several companies are displayed, we recommend you click on several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CX-9 Sport 2WD||$232||$414||$348||$20||$104||$1,118||$93|
|CX-9 Grand Touring 2WD||$198||$350||$318||$18||$96||$980||$82|
|CX-9 Sport AWD||$198||$350||$318||$18||$96||$980||$82|
|CX-9 Touring 2WD||$306||$472||$404||$24||$120||$1,326||$111|
|CX-9 Touring AWD||$234||$480||$296||$18||$88||$1,116||$93|
|CX-9 Grand Touring AWD||$144||$252||$296||$18||$88||$798||$67|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can influence prices greatly.
Should you buy full coverage?
The diagram below illustrates the comparison of Mazda CX-9 auto insurance rates with and without full coverage. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are factored in.
Guidelines for dropping full coverage
There is no set guideline for dropping physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let's say your Mazda CX-9 book value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are a few situations where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
When should I get advice from an agent?
A lot of people would prefer to talk to a local agent and that is a personal choice. One of the best bonuses of comparing auto insurance online is you may find cheaper rates and still buy from a local agent.
Once you complete this simple form, your information gets sent to local insurance agents in Las Vegas who will gladly provide quotes to get your business. You never need to search for an agent since rate quotes are delivered to you directly. Get lower rates and a licensed agent to talk to. If you need to compare prices from a specific insurance company, you can always search and find their rate quote page and fill out the quote form the provide.
Picking the best insurer should depend on more than just the bottom line cost. Get answers to these questions too.
- Is the agency involved in supporting local community causes?
- Do the agents have professional certifications like CPCU or CIC?
- Can you contact them at any time?
- Are there any discounts that you might be missing?
- Who is covered by the car insurance policy?
The type of car insurance agent you choose is important
When searching for a reliable insurance agent, you must know there are a couple different agency structures that you can select. Agencies in Las Vegas are considered either exclusive or independent.
These type of agents are contracted to one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive agencies are trained well on their company's products and that allows them to sell at a higher price point. Some consumers prefer to use the same agent primarily because of high brand loyalty rather than low price.
Listed below is a list of exclusive agencies in Las Vegas willing to provide comparison quotes.
- Jason Paszek - State Farm Insurance Agent
4250 E Bonanza Rd #16 - Las Vegas, NV 89110 - (702) 453-9500 - View Map
- State Farm: Eric James
1350 E Flamingo Rd #14 - Las Vegas, NV 89119 - (702) 836-0953 - View Map
- Allstate Insurance: Yukin Kwan
4001 S Decatur Blvd Ste 4 - Las Vegas, NV 89103 - (702) 530-8822 - View Map
Independent Auto Insurance Agents
Agents in the independent channel do not have single company limitations and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. If your agent finds better pricing, they can switch companies in-house and you don't have to switch agencies. When comparison shopping, we recommend you include rate quotes from several independent agencies to ensure the widest selection of prices. Most also have access to small regional insurance companies that may have much lower rates than larger companies.
Shown below are independent agents in Las Vegas who can help you get price quote information.
- Omega Insurance Brokerage
3301 W Spring Mountain Rd - Las Vegas, NV 89102 - (702) 685-0170 - View Map
- Universal Insurance Agency
348 N Nellis Blvd - Las Vegas, NV 89110 - (702) 838-5141 - View Map
- Stevens Insurance
7785 N Durango Dr - Las Vegas, NV 89131 - (702) 648-9689 - View Map