Are you tired of overpaying and want more affordable Ford Fiesta insurance in Las Vegas? No normal person is fond of buying car insurance, especially when they know they are paying too much.
Shockingly, over 70% of Nevada drivers kept buying from the same company for well over three years, and nearly half have never quoted rates to find cheap coverage. U.S. drivers could save approximately 46.5% a year by just comparing quotes, but they think it's difficult to compare rates online. Many insurers compete for your business, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate on Ford Fiesta insurance in Las Vegas.
Affordable Las Vegas auto insurance rates with discounts
Insuring your fleet can be pricey, but there are discounts available that you may not even know about. A few discounts will be applied when you complete an application, but a few must be requested specifically before you get the savings.
- Low Miles Discount - Maintaining low annual mileage could qualify for discounted premium rates on garaged vehicles.
- Defensive Driving Course - Passing a course teaching safe driver skills can save you 5% or more depending on where you live.
- Own a Home and Save - Just being a homeowner can save you money since home ownership is proof that your finances are in order.
- Discount for Good Grades - This discount can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
- Government Employees - Being employed by or retired from a federal job may reduce rates when you quote Las Vegas auto insurance depending on your company.
- Military Discounts - Being on active deployment in the military could be rewarded with lower premium rates.
It's important to note that most discounts do not apply to the whole policy. Some only reduce individual premiums such as medical payments or collision. Just because you may think it's possible to get free car insurance, insurance companies wouldn't stay in business.
If you would like to view auto insurance companies that offer many of these discounts in Las Vegas, click here.
Most companies such as Progressive, Allstate and GEICO provide insurance quotes from their websites. Getting online quotes for Ford Fiesta insurance in Las Vegas is very simple as you simply type in the amount of coverage you want into the form. After the form is submitted, the company's rating system automatically orders your credit score and driving record and returns pricing information based on the information you submitted. Using the web to get rates for Ford Fiesta insurance in Las Vegas streamlines rate comparisons, and it's absolutely necessary to compare as many rates as possible in order to get the best possible rates on car insurance.
To save time and compare rates using this form now, compare quotes from the companies shown below. If you currently have coverage, we recommend that you enter the coverages as shown on your current policy. This helps ensure you will get comparison quotes for similar coverage.
The companies shown below are ready to provide free rate quotes in Nevada. If multiple companies are shown, we recommend you get price quotes from several of them to find the most affordable car insurance rates.
Local agents and car insurance
Some consumers just prefer to sit down and talk to an agent and that is recommended in a lot of cases Good insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of price shopping on the web is you can get lower rates and also buy local. And providing support for local agencies is especially important in Las Vegas.
By using this simple form, your insurance data is transmitted to local insurance agents in Las Vegas who will give competitive quotes to get your business. There is no need to leave your computer since rate quotes are delivered directly to your email. If you want to compare prices from a particular provider, don't hesitate to visit that company's website to submit a rate quote request.
If you prefer to buy car insurance from a local agent, it's helpful to know the different agency structures and how they operate. Las Vegas agents can be described as either independent agents or exclusive agents. Either can insure your vehicles, but it's important to know the subtle differences because it can factor into your agent selection.
Independent Agents (or Brokers)
Independent agencies do not sell for just one brand so they can quote policies through many companies and get you the best rates possible. If prices rise, your agent can just switch to a different company and you won't have to switch agencies. When comparing rates, you absolutely need to include rate quotes from multiple independent agents to have the most options to choose from.
Featured below is a small list of independent agencies in Las Vegas that can give you price quote information.
Agents of this type normally can only provide a single company's rates and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare other company's rates so they really need to provide good service. Exclusive agents are highly trained on the products they sell which helps overcome the inability to quote other rates.
Shown below are Las Vegas exclusive agencies that can give you price quotes.
LaDonna Koeller - State Farm Insurance Agent
4275 N Rancho Dr #155 - Las Vegas, NV 89130 - (702) 636-9447 - View Map
Finding a good insurance agency requires you to look at more than just a cheap price. Before buying a policy in Las Vegas, get answers to these questions.
- Can you get a list of referrals?
- Are there any extra charges for paying monthly?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How does the company pay claims for a total loss?
- What is the financial rating for the quoted company?
- Do they assist clients in filing claims?
If you get positive feedback to all your questions as well as an affordable premium quote, you've probably found an auto insurance agent that meets the requirements to insure your vehicles.
Buying the right Fiesta insurance in Nevada is an important decision
Despite the high cost of buying insurance for a Ford Fiesta in Las Vegas, car insurance is required in Nevada but it also protects you in many ways.
- The majority of states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage in order to get the vehicle licensed. 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.
- If your Ford has a loan, almost every bank will make it mandatory that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford at a much higher premium rate and require you to pay a much higher amount than you were paying before.
- Insurance safeguards both your Ford Fiesta and your assets. It will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having car insurance more than offset the price you pay, especially if you ever need it. The average driver in Nevada is overpaying over $830 a year so it's very important to do a rate comparison once a year at a minimum to help ensure money is not being wasted.
Auto insurance coverages
Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.
Coverage for liability
This provides protection from damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, and doesn't cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/10 which stand for a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for things such as court costs, bail bonds, structural damage and repair bills for other people's vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Nevada requires drivers to carry at least 15/30/10 but drivers should carry higher limits.
Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Fiesta.
Since a lot of drivers only carry the minimum required liability limits (which is 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like hitting a deer, fire damage and theft. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
Coverage for collisions
Collision insurance will pay to fix damage to your Fiesta resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as driving through your garage door, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to increase the deductible on your Fiesta to save money on collision insurance.
Medical costs insurance
Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like surgery, rehabilitation expenses, pain medications and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Frequent quotes can save
We covered many tips how you can get a better price on Ford Fiesta insurance in Las Vegas. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the lesser-known companies. Regional companies may only write in your state and offer lower premium rates compared to the large companies like Allstate or State Farm.
When searching for inexpensive Las Vegas auto insurance quotes, never buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage only to discover later they didn't have enough coverage. Your objective should be to buy enough coverage at a price you can afford and still be able to protect your assets.
Additional information can be found on the following sites:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Affordable Auto Insurance for High School Students in Nevada? (FAQ)
- What Auto Insurance is Cheapest in Gardnerville Ranchos, Nevada? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Seniors in Nevada? (FAQ)
- Who Has the Cheapest Nevada Car Insurance Quotes for a Mazda CX-7? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)