Would you like to stop overpaying and find cheaper insurance rates in Boulder City, NV? Pretty sure you bought an underperforming, overpriced insurance policy? Don't feel bad because many consumers are feeling buyer's remorse and feel like there's no way out.

It's hard to fathom, but almost 70% of drivers kept their policy with the same company for four years or more, and almost 40% of drivers have never compared insurance rates at all. Nevada drivers can cut their rates by $500 a year just by shopping around, but they assume it's a waste of time to compare rates. Insurance companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

Consumers should take time to do price comparisons yearly because prices change frequently. Even if you think you had the lowest rates on insurance at your last renewal you may be paying too much now. Ignore everything you know about insurance because you're about to learn one of the easiest ways to find great coverage at a great price.

If you have insurance now or just want cheaper rates, you can learn to cut your premiums while maximizing coverage. Finding the cheapest car insurance coverage in Boulder City is really not that difficult. You just need to know the most efficient way to find the lowest price from multiple carriers.

The companies shown below are our best choices to provide comparison quotes in Boulder City, NV. If multiple companies are shown, we suggest you compare several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Boulder City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $912 $456 $76
Chevrolet Silverado LS Extended Cab 4WD $1,322 $661 $110
Dodge Ram Crew Cab TRX 2WD $1,124 $562 $94
Ford Edge Sport AWD $860 $430 $72
Ford Escape Limited 4WD $1,000 $500 $83
Ford F-150 Lariat Crew Cab Platinum 4WD $938 $469 $78
Ford Focus SE 4-Dr Sedan $798 $399 $67
Honda Accord EX-L 2-Dr Coupe $984 $492 $82
Honda CR-V EX-L 2WD $732 $366 $61
Honda Civic LX 4-Dr Sedan $960 $480 $80
Hyundai Elantra SE Touring Station Wagon $972 $486 $81
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,288 $644 $107
Nissan Altima 3.5 SR 4-Dr Sedan $1,190 $595 $99
Toyota Camry LE $1,176 $588 $98
Toyota Corolla LE $904 $452 $75
Toyota Prius $980 $490 $82
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can modify prices significantly.

Difference between liability only and full coverage rates

The illustration below illustrates the difference between Ford Focus auto insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, single male driver, and no policy discounts are applied.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop full coverage

There is no written rule for phasing out comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Ford Focus claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the deductible is paid. If it's costing in excess of $500 a year for full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

Car insurance deductibles

The diagram below demonstrates how deductible levels and can impact Ford F-150 yearly insurance costs for each different age group. The price estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.