Discount Honda Insight insuranceAre you tired of trying to find low-cost Honda Insight insurance in Las Vegas? There isn't a single person who looks forward to buying insurance, especially knowing they could lower their rates if they shopped around.

A study showed that nearly 70% of drivers have purchased from the same company for four years or more, and just under half have never even compared rates from other companies. Most drivers in Nevada could cut their rates by roughly 35% a year, but they just don't understand the amount of savings they would get if they just switched companies. Since you have so many choices of insurance companies that have cheap insurance for a Honda Insight in Las Vegas, it's nearly impossible to find the lowest cost insurer.

It is always a good idea to take a look at other company's rates on a regular basis since prices change quite often. Just because you had the lowest quotes on Honda Insight insurance in Las Vegas at your last renewal you can probably find a better rate now. Forget all the misinformation about insurance because you're going to get a crash course in the things you must know in order to reduce your cost while increasing coverage.

Our goal in writing this article teach you a little about the best way to buy inexpensive car insurance and also pocket some savings If you already have coverage, you should be able to shop for the lowest rates using these tips. Smart shoppers only need an understanding of the tricks to find the lowest price using one simple form.

Cheaper rates by taking advantage of these seven discounts

Companies don't always list every disount available in an easy-to-find place, so the following is a list of a few of the more common as well as some of the hidden credits that you can use to lower your rates. If you're not getting every credit you qualify for, you are not getting the best rate possible.Auto insurance discounts

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that you could get a free auto insurance policy, it doesn't quite work that way.

To choose providers with discount rates in Las Vegas, click here to view.

Buy Las Vegas Honda Insight insurance online

The following companies offer quotes in Nevada. If multiple providers are shown, it's highly recommended you click on several of them to find the most competitive car insurance rates.

Honda Insight Insurance Rate Estimates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $210 $440 $318 $18 $96 $1,082 $90
Insight EX $166 $374 $348 $20 $104 $1,012 $84
Get Your Own Custom Quote Go

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in garaging location in Las Vegas which can modify price quotes noticeably.

Comparison of policy deductibles

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The rates shown below can help illustrate the price difference of buying low and high physical damage coverage deductibles. The first rate table uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Honda Insight insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $232 $478 $308 $18 $92 $1,153 $96
Insight EX $266 $564 $308 $18 $92 $1,273 $106
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Honda Insight insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $168 $324 $308 $18 $92 $910 $76
Insight EX $194 $382 $308 $18 $92 $994 $83
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can affect coverage rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $21 more each month or $252 annually than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 19 months between claims, you would more than likely save some money if you elect the higher deductible. Here is an example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $101
Average monthly premium for $500 deductibles (subtract): - $80
Monthly savings from raising deductible: $21
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Car insurance quotes from neighborhood Las Vegas auto insurance agents

A lot of people still prefer to talk to a local agent. Professional agents are trained risk managers and help you file claims. One of the best bonuses of comparing insurance prices online is that drivers can save money and get lower premium rates and also buy local. Buying insurance from local insurance agencies is important especially in Las Vegas.

Insurance agency in Las VegasAfter completing this quick form, the quote information is instantly submitted to local insurance agents who can give free rate quotes to get your business. It simplifies rate comparisons since you won't have to find an agent since rate quotes are delivered immediately to you. In the event you want to compare rates from one company in particular, you would need to search and find their rate quote page and submit a quote form there.

When narrowing the list to find a reputable agency, you must know there are a couple different types of agencies to choose from. Car insurance agents in Las Vegas may be either exclusive agents or independent agents. Either can write car insurance policies, but it's good to learn the difference in how they write coverage since it could factor into the selection process.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent are not limited to a single company and that gives them the ability to insure with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your policy is moved internally which requires no work on your part. When comparing rate quotes, we recommend you include price quotes from multiple independent agents for maximum quote selection.

Below are Las Vegas independent insurance agents that may be able to give pricing information.

5225 S Durango Dr - Las Vegas, NV 89113 - (702) 638-0022 - View Map

3211 N Tenaya Way #115 - Las Vegas, NV 89129 - (702) 363-8040 - View Map

7785 N Durango Dr - Las Vegas, NV 89131 - (702) 648-9689 - View Map

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Exclusive Agencies

Agents that elect to be exclusive can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide other company's prices so they have no alternatives for high prices. They are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agencies in Las Vegas that can give you comparison quotes.

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

9484 W Lake Mead Blvd #7 - Las Vegas, NV 89134 - (702) 982-3300 - View Map

1725 S Rainbow Blvd #11 - Las Vegas, NV 89146 - (702) 367-1991 - View Map

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Choosing the best auto insurance agent should depend on more than just a cheap quote. Any good agent in Las Vegas should know the answers to these questions.

Car insurance policy specifics

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Collision coverage - This coverage will pay to fix damage to your Insight resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It's also possible to raise the deductible on your Insight in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Honda Insight.

Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (15/30/10 in Nevada), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages - This coverage provides protection from damage or injury you incur to a person or their property. This coverage protects you from legal claims by others. It does not 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. Your policy might show policy limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, repair bills for other people's vehicles, court costs, structural damage and pain and suffering. The amount of liability coverage you purchase is your choice, but it's cheap coverage so purchase higher limits if possible. Nevada state law requires minimum liability limits of 15/30/10 but you should consider buying more liability than the minimum.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as ambulance fees, chiropractic care and surgery. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage - This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, fire damage, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

More comparisons equals affordable rates

We just covered many ways to get a better price on Honda Insight insurance in Las Vegas. It's most important to understand that the more providers you compare, the better your comparison will be. You may even discover the best prices are with the smaller companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

Cost effective Honda Insight insurance can be bought both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and usually these smaller companies work with independent insurance agents.

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