How many times have you said it's time to compare the cheapest insurance rates in North Las Vegas, NV? North Las Vegas consumers have options when looking for affordable car insurance. They can either spend hours calling around trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to compare insurance rates so you're going to learn the proper way to compare rates for your and get the lowest price from both online companies and North Las Vegas agents.

You should make it a habit to compare rates at least once a year due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on insurance at your last renewal you will most likely find a better rate quote today. Ignore everything you know about insurance because we're going to show you how to use online quotes to reduce your cost while increasing coverage.

This article's intent is to introduce you to how car insurance quotes work and how to save the most money. If you have a current auto insurance policy, you should be able to find the best rates using the following tips. Drivers just need to know the least time-consuming way to compare rate quotes online from multiple companies.

The quickest method to get policy rate comparisons is to understand most of the larger companies have advanced systems to compare their rates. The only thing you need to do is spend a couple of minutes providing details such as if a SR-22 is needed, level of coverage desired, whether you drive to work or school, and driver ages. That rating data is instantly submitted to multiple companies and they respond with quotes with very little delay.

To check rates for your car now, click here and enter your coverage details.

The companies shown below are ready to provide quotes in North Las Vegas, NV. If multiple companies are shown, we recommend you visit two to three different companies to get the most affordable price.

Insurance Estimates for Popular Vehicles in North Las Vegas
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $858 $429 $72
Chevrolet Silverado LS Extended Cab 2WD $1,074 $537 $90
Dodge Ram Quad Cab TRX4 Off Road 4WD $834 $417 $70
Ford Edge SE 2WD $1,006 $503 $84
Ford Escape Limited 4WD $858 $429 $72
Ford F-150 Lariat King Ranch 2WD $920 $460 $77
Ford Focus SES 2-Dr Coupe $1,168 $584 $97
Ford Fusion SEL AWD 4-Dr Sedan $1,100 $550 $92
Honda Accord EX 2-Dr Coupe $1,484 $742 $124
Honda CR-V LX 2WD $768 $384 $64
Honda Civic EX-L 4-Dr Sedan $904 $452 $75
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $822 $411 $69
Mazda 3 S Grand Touring 4-Dr Sedan $920 $460 $77
Nissan Altima 2.5 S 4-Dr Sedan $1,160 $580 $97
Nissan Rogue SL AWD $1,046 $523 $87
Toyota Camry XLE $840 $420 $70
Toyota Corolla XRS $980 $490 $82
Volkswagen Jetta 2.0T 4-Dr Sedan $880 $440 $73
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can change price quotes greatly.

Deductible analysis

The chart below illustrates how choosing a deductible and can change Honda Accord insurance premiums for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Save a ton on car insurance with these seven discounts

Insurance can cost an arm and a leg, but companies offer discounts that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but some need to be asked about before they will apply. If you do not check that you are getting every discount you deserve, you could be saving more on your car insurance.Discount car insurance

Don't be surprised that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it appears you could get a free car insurance policy, companies don't profit that way.

Larger car insurance companies and a summarized list of policyholder discounts are:

It's a good idea to ask all the companies how you can save money. A few discounts may not apply in your state. To locate car insurance companies that provide some of the discounts listed above in North Las Vegas, click this link.

Car insurance is not optional

Despite the high cost of buying insurance in North Las Vegas, insuring your vehicle may not be optional for several reasons.

The benefits of having car insurance greatly outweigh the cost, especially for larger claims. But the average American driver is wasting up to $855 a year so you should quote your policy with other companies once a year at a minimum to save money.

Do I just need basic coverages?

Keep in mind that when it comes to choosing coverage, there really isn't a "perfect" insurance plan. Every situation is different and your policy should reflect that.Higher deductibles save money Here are some questions about coverages that can help discover if your situation would benefit from an agent's advice.

If you can't answer these questions, you might consider talking to an agent. If you don't have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

When to have guidance from an insurance agent

Some people just want to get professional advice from a licensed agent and doing so can bring peace of mind Insurance agents can answer important questions and give you someone to call. The best thing about getting online price quotes is that you can obtain better rates but also keep your business local. And buying from local agents is important especially in North Las Vegas.

Find insurance agent in North Las VegasTo make it easy to find an agent, after completing this simple form, your coverage information gets sent to local insurance agents in North Las Vegas that can provide free North Las Vegas car insurance quotes to get your business. There is no need to drive around due to the fact that quote results will go directly to you. If you wish to get a comparison quote from a specific company, just search and find their rate quote page and give them your coverage information.

Finding a good insurer needs to be determined by more than just a cheap price. Any agent in North Las Vegas should have no problem answering these questions:

Upon getting reasonable responses to any questions you may have and an acceptable price quote, you may have found an insurer that meets the requirements to insure your vehicles.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like nursing services, EMT expenses, dental work, ambulance fees and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants and damage to your vehicle.

Due to the fact that many Nevada drivers only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Collision - Collision coverage covers damage to your vehicle resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Auto liability insurance - This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and doesn't cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/10 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible. Nevada requires drivers to carry at least 15/30/10 but it's recommended drivers buy more coverage.

Auto insurance claim statistics

Are you driving a vehicle that ranks well for claims? The claim statistics below show the best and worst cars and trucks for the probability of filing claims for each type of coverage listed.

Vehicle Make and Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Chevrolet Sonic
Ford F-350 SuperCrew Hyundai Accent
Ford Expedition Chevrolet Spark
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 3500 Nissan Versa
Tesla Model S Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford F-350 Bentley Continental GTC
Volvo V60 Maserati Quattroporte
Chevy Silverado 2500 Mercedes-Benz S Class
GMC Sierra 2500 Audi S7
Smart ForTwo Porsche Panamera GTS
Infiniti QX50 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Nissan GT-R
GMC Canyon BMW 6 Series
Nissan Xterra BMW M6
Ford Edge Maserati Ghibli
Mini Cooper Bentley Continental Flying Spur
Jeep Wrangler Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Chrysler 200
Fiat 500 Kia Rio
Volvo XC60 Chevrolet Sonic
Subaru Outback Mitsubishi Mirage
Subaru Forester Dodge Charger
Mercedes-Benz SL Class Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years