Do you want to save money by buying the cheapest auto insurance rates in Las Vegas, NV? Las Vegas consumers have options when looking for low-cost Chevy Volt insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates so you're going to learn the absolute fastest way to get price quotes for a Chevy and get the lowest possible price.
If you have coverage now or are looking for a new policy, you can use these techniques to find the best rates and still have adequate protection. We hope to let you in on how to compare rates easily and how you can save the most money. Smart buyers just need to learn the best way to compare prices using one simple form.
How to get Las Vegas Chevy Volt insurance rate quotes
The companies shown below can provide free quotes in Nevada. If more than one company is shown, we suggest you click on several of them to get the cheapest price.
Three reasons to not skimp on auto insurance
Despite the high insurance cost for a Chevy Volt in Las Vegas, paying for auto insurance is a good idea for several reasons.
First, most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability protection in order to license the vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, most lenders will require you to carry insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Chevy for a much higher rate and make you pay for it.
Third, auto insurance preserves both your assets and your car. Insurance will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying auto insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver overpays more than $865 each year so compare rate quotes at least once a year to help ensure money is not being wasted.
Earn discounts on Las Vegas car insurance
Car insurance companies do not advertise all possible discounts very clearly, so we break down a few of the more common in addition to some of the lesser obvious discounts that may be available.
- Responsible Driver Discounts - Drivers who don't get into accidents can pay as much as 50% less than drivers with accident claims.
- E-sign - Some insurance companies will provide an incentive shop Las Vegas auto insurance on your computer.
- Driver's Education for Students - Require your teen driver to enroll and complete driver's education if it's offered in school.
- Military Discounts - Being on active duty in the military may lower your prices slightly.
- Discount for Swiching Early - A few car insurance companies allow discounts for switching policies prior to your current Volt insurance policy expiration. It's a savings of about 10%.
- Student Discounts - A discount for being a good student may save as much as 25% on a Las Vegas auto insurance quote. This discount can apply up until you turn 25.
- Auto/Life Discount - Not every insurance company offers life insurance, but if they do you may earn better rates if you take out a life policy as well.
It's important to note that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.
A few popular companies and the discounts they provide are detailed below.
- State Farm offers discounts for defensive driving training, anti-theft, good driver, good student, safe vehicle, and multiple autos.
- American Family discounts include good student, bundled insurance, TimeAway discount, good driver, and Steer into Savings.
- GEICO may include discounts for multi-vehicle, membership and employees, emergency military deployment, anti-theft, defensive driver, military active duty, and good student.
- 21st Century has discounts for student driver, homeowners, teen driver, air bags, anti-lock brakes, and defensive driver.
- Progressive may have discounts that include multi-policy, online quote discount, online signing, continuous coverage, multi-vehicle, and good student.
Before buying, ask all companies you are considering which discounts they offer. Some discounts listed above may not be offered everywhere.
Local Las Vegas insurance agencies
Many people would rather talk to an insurance agent and that is recommended in a lot of cases Licensed agents will help you protect your assets and give you someone to call. One of the benefits of comparing car insurance online is the fact that you can find lower prices and still have an agent to talk to.
After completing this short form, your information is submitted to insurance agents in Las Vegas that give free quotes and help you find cheaper coverage. You won't even need to leave your house due to the fact that quote results will go straight to your inbox. If you need to compare rates from one company in particular, don't hesitate to visit that company's website and submit a quote form there.
Finding the right insurer needs to be determined by more than just a cheap quote. Get answers to these questions too.
- Will a damage claim use OEM or aftermarket replacement parts?
- How often do they review coverages?
- If you have an accident, will your rates go up?
- What are their preferred companies if they are an independent agency?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which companies can they place coverage with?
Exclusive and independent Las Vegas auto insurance agents
When researching a good Las Vegas insurance agent, it's important to understand the types of agencies and how they are distinctly different. Agencies in Las Vegas are categorized either independent (non-exclusive) or exclusive. Either type can write policy coverage, but it's important to know the difference between them since it could factor into the kind of agent you use.
Exclusive insurance agents can only provide one company's prices like State Farm, Allstate, or Farmers Insurance. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates. Some insured continue to use the same agent primarily because of the prominent brand name and solid financial strength.
The following is a list of exclusive insurance agents in Las Vegas that are able to give comparison quotes.
- Jeremy Walser - State Farm Insurance Agent
1725 S Rainbow Blvd #11 - Las Vegas, NV 89146 - (702) 367-1991 - View Map
- State Farm: Gregory A Moore
4312 W Charleston Blvd - Las Vegas, NV 89102 - (702) 870-9298 - View Map
- Kate Lowe - State Farm Insurance Agent
10198 W Flamingo Rd #130 - Las Vegas, NV 89147 - (702) 363-4500 - View Map
Agents that elect to be independent often have many company appointments and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If your premiums go up, the business is moved internally and you can keep the same agent.
When comparing car insurance prices, you will definitely want to include price quotes from multiple independent agents in order to have the best price comparison. Most can insure with less well-known companies that many times have cheaper rates.
Below is a list of independent insurance agencies in Las Vegas willing to provide price quotes.
- Alliance Insurance Agency
1955 E Tropicana Ave h - Las Vegas, NV 89119 - (702) 518-6727 - View Map
- Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 - Las Vegas, NV 89145 - (702) 613-0000 - View Map
- Las Vegas Auto Insurance
1953 N Decatur Blvd - Las Vegas, NV 89108 - (702) 570-5777 - View Map
What insurance coverages do you need?
Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Medical costs insurance
Coverage for medical payments and/or PIP pay for expenses for things like rehabilitation expenses, hospital visits, pain medications and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
This coverage will cover damage or injury you incur to other's property or people that is your fault. It protects you from claims by other people. Liability doesn't cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against claims like medical services, bail bonds and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford. Nevada state law requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.
Collision coverage protection
This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like hitting a parking meter, crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It's also possible to bump up the deductible on your Volt to bring the cost down.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like hitting a bird, falling objects and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.
Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Chevy Volt.
Due to the fact that many Nevada drivers only carry the minimum required liability limits (15/30/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
One last thing about your coverage
We just showed you some good ideas how to shop for Chevy Volt insurance online. The key thing to remember is the more you quote Las Vegas auto insurance, the higher the chance of saving money. You may even find the best price on car insurance is with a lesser-known regional company.
Cheaper car insurance in Las Vegas can be sourced both online in addition to many Las Vegas insurance agents, so you should compare both so you have a total pricing picture. Some companies may not have online rate quotes and these regional carriers work with independent insurance agents.
As you quote Las Vegas auto insurance, you should never reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
To learn more, feel free to visit the articles below:
- Vehicle Insurance in the U.S. (Wikipedia)
- What Car Insurance is Cheapest in Sparks, Nevada? (FAQ)
- What Car Insurance is Cheapest for State Employees in Nevada? (FAQ)
- How Much are Nevada Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Tread Depth and Tire Safety (State Farm)