Insurance quote for Hyundai Tucson in Las VegasAre you sick and tired of robbing Peter to pay Paul to pay auto insurance each month? You have the same problem as millions of other drivers.

Regrettably, nearly 70% of consumers have remained with the same auto insurance company for over three years, and almost 40% of drivers have never compared quotes from other companies. Many drivers in America could cut their rates by roughly $859 a year just by getting comparison quotes, but they just don't understand how easy it is to save money by comparing rate quotes. Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with TV and radio ads and consumers find it hard to ignore the propaganda and do the work needed to find the best deal.

Cheap car insurance in Las Vegas, NV

The following companies offer free rate quotes in Las Vegas, NV. If multiple companies are shown, we suggest you visit two to three different companies to get the best price comparison.

Hyundai Tucson Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $192 $266 $404 $24 $120 $1,006 $84
Tucson GLS 4WD $134 $190 $318 $18 $96 $756 $63
Tucson Limited 2WD $184 $334 $290 $18 $86 $912 $76
Tucson Limited 4WD $234 $462 $372 $22 $112 $1,202 $100
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in your specific Las Vegas location which can affect rates noticeably.

An analysis of deductible level

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below approximate the premium difference between low and high physical damage deductibles. The first data table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Hyundai Tucson insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $208 $330 $308 $18 $92 $981 $82
Tucson GLS 4WD $238 $330 $308 $18 $92 $1,011 $84
Tucson Limited 2WD $238 $402 $308 $18 $92 $1,083 $90
Tucson Limited 4WD $238 $402 $308 $18 $92 $1,083 $90
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Hyundai Tucson insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tucson GLS 2WD $168 $266 $308 $18 $92 $852 $71
Tucson GLS 4WD $194 $266 $308 $18 $92 $878 $73
Tucson Limited 2WD $194 $324 $308 $18 $92 $936 $78
Tucson Limited 4WD $194 $324 $308 $18 $92 $936 $78
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific Las Vegas garaging location which can revise premium rates noticeably.

Based on the above data, using a $250 deductible costs an average of $12 more each month or $144 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 21 months between claims, you would more than likely save some money by selecting a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $87
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have a physical damage claim. You need enough extra savings in the event you have to pay more to get your vehicle repaired.

Should you raise deductibles?

The chart below shows how choosing a deductible and can change Hyundai Tucson insurance costs for different age groups. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.

These discounts can lower your car insurance rates

Companies don't always list the complete list of policy discounts in an easy-to-find place, so here is a list a few of the more well known as well as some of the hidden savings tricks you should be using when you buy Las Vegas auto insurance online.Car insurance discounts

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, nobody gets a free ride.

Larger car insurance companies and some of the discounts can be found below.

When getting a coverage quote, ask each insurance company which discounts you qualify for. Savings might not be offered on policies in every state.

Smart Consumers Can Save Money

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that are used to determine your auto insurance rates. If you understand what determines premiums, this enables informed choices that may reward you with cheaper rates.

Compare prices but buy from a neighborhood Las Vegas auto insurance agent

A lot of people would prefer to buy from a licensed agent and that is not a bad decision Licensed agents are trained risk managers and help submit paperwork. One of the best bonuses of comparing insurance prices online is you may find the lowest rates and still have an agent to talk to.

Find insurance agent in Las VegasTo find an agent, once you fill out this form (opens in new window), your information is transmitted to insurance agents in Las Vegas that can provide free Las Vegas auto insurance quotes for your coverage. There is no need to drive around due to the fact that quote results will go directly to your email. If you want to compare prices for a specific company, feel free to navigate to their website to submit a rate quote request.

Picking an provider requires you to look at more than just a cheap price quote. The answers to these questions are important, too.

Cheaper car insurance rates are possible

Cheaper car insurance in Las Vegas can be purchased from both online companies and from local agencies, and you should compare rates from both to have the best rate selection. Some insurance companies may not provide internet price quotes and usually these small insurance companies only sell coverage through independent agencies.

As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Additional detailed information can be found at these sites: