How long has it been since the last time you looked for the cheapest Mazda 5 insurance in Las Vegas? No car owner looks forward to paying for insurance, in particular when the cost is way too high.

Insurance rates Mazda 5 in Las VegasUnbelievable but true according to a study nearly 70% of customers have remained with the same insurance company for at least the last four years, and 38% of customers have never shopped around. Most drivers in Nevada can cut their rates by as much as $545 a year, but they just don't understand how easy it is to find cheap rates by getting comparison quotes.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with TV and radio ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

If you have insurance now, you will definitely be able to find the best rates using these methods. Finding the cheapest auto insurance coverage in Las Vegas is quite easy. But Nevada car owners can benefit by having an understanding of how big insurance companies compete online and use this information to your advantage.

Affordable Las Vegas Mazda 5 insurance

When price shopping your coverage, comparing all the rates in your area helps you find the best offered rates.

The companies shown below are ready to provide price comparisons in Las Vegas, NV. If more than one company is shown, we suggest you visit two to three different companies to get a more complete price comparison.

Mazda 5 Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $162 $300 $340 $20 $102 $924 $77
5 Touring Station Wagon $216 $370 $270 $16 $80 $952 $79
5 Grand Touring Station Wagon $214 $398 $354 $20 $106 $1,092 $91
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific location information which can influence prices significantly.

Gender-based auto insurance premiums

The information below illustrates the comparison of Mazda 5 auto insurance rates for male and female drivers. The information is based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

How high should deductibles be?

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The following tables approximate the difference in cost between high and low insurance deductibles. The first set of prices uses a $100 deductible and the second rate table uses a $500 deductible.

Mazda 5 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $232 $394 $262 $16 $78 $1,007 $84
5 Touring Station Wagon $266 $478 $262 $16 $78 $1,125 $94
5 Grand Touring Station Wagon $266 $478 $262 $16 $78 $1,125 $94
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Mazda 5 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
5 Sport Station Wagon $168 $266 $262 $16 $78 $790 $66
5 Touring Station Wagon $194 $324 $262 $16 $78 $874 $73
5 Grand Touring Station Wagon $194 $324 $262 $16 $78 $874 $73
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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, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in Las Vegas location which can decrease or increase insurance rates noticeably.

We can estimate from the data above that using a $100 deductible costs approximately $20 more each month or $240 annually than quoting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claims, you would probably come out ahead by selecting a higher deductible.

Safe drivers pay cheaper rates

The diagram below shows how violations and at-fault collisions can raise Mazda 5 insurance costs for each age group. The information is based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Discount Las Vegas auto insurance quotes

Some insurance providers do not advertise all possible discounts very well, so the following list contains some of the best known and also the more inconspicuous discounts that may be available.Save money with discounts

As a footnote on discounts, some of the credits will not apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, insurance companies wouldn't stay in business.

Larger auto insurance companies and some of the premium reductions they offer are outlined below.

Double check with every insurance company which discounts you qualify for. Some discounts might not be offered on policies everywhere. For a list of companies that offer discounts in Las Vegas, click here.

Buying the right vehicle insurance in Nevada is an important decision

Even though it's not necessarily cheap to insure a Mazda in Las Vegas, maintaining insurance serves a purpose in several ways.

The benefits of having insurance definitely exceed the cost, particularly for liability claims. Today the average American driver overpays more than $830 a year so compare quotes from several companies every year to help ensure money is not being wasted.

How do I know if I need professional advice?

When it comes to choosing insurance from an agent or online for your personal vehicles, there isn't really a single plan that fits everyone. Your needs are unique to you.Auto insurance savings

For example, these questions could help you determine whether your personal situation might need an agent's assistance.

If you can't answer these questions but a few of them apply, you may need to chat with an agent. If you don't have a local agent, complete this form.

What if I want to buy from local Las Vegas auto insurance agents?

A lot of people prefer to go talk to an agent and there is nothing wrong with that. An additional benefit of price shopping on the web is that drivers can save money and get lower prices but also keep your business local.

To make it easy to find an agent, after completing this quick form, the coverage information is instantly submitted to participating agents in Las Vegas that provide free Las Vegas auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact any agents because prices are sent immediately to your email address. You can most likely find cheaper rates without requiring a lot of work. If you wish to compare prices from a specific auto insurance provider, you just need to jump over to their website and give them your coverage information.

Deciding on an insurer requires more thought than just a low price. Before buying a policy in Las Vegas, get answers to these questions.

Las Vegas car insurance agents are either independent or exclusive

When looking for a reputable agency, it's important to understand the types of agencies that differ in how they can insure your vehicles. Insurance agencies in Las Vegas are considered either independent agents or exclusive agents.

Exclusive Insurance Agencies

These type of agents can only place business with one company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents are highly trained on their company's products which helps them compete with independent agents.

Listed below are Las Vegas exclusive insurance agents willing to provide price quote information.

3124 N Rainbow Blvd - Las Vegas, NV 89108 - (702) 645-3300 - View Map

3375 Glen Ave #10 - Las Vegas, NV 89121 - (702) 696-1606 - View Map

2035 Village Center Cir #100 - Las Vegas, NV 89134 - (702) 851-2400 - View Map

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Independent Auto Insurance Agencies

Independent insurance agents are not required to write business for one company so they have the ability to put coverage through many different auto insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they can switch companies in-house which is easy for the insured. If you are comparing auto insurance prices, you absolutely need to get quotes from multiple independent agents to have the most options to choose from.

The following is a list of independent agencies in Las Vegas willing to provide comparison quotes.

1081 S Cimarron Rd, Ste B56 - Las Vegas, NV 89145 - (702) 613-0000 - View Map

US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 - Las Vegas, NV 89102 - (702) 996-6434 - View Map

3700 E Charleston Blvd #130 - Las Vegas, NV 89104 - (702) 382-1177 - View Map

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If you receive acceptable answers to all your questions as well as offering an affordable quote, chances are good that you have found an insurance agent that can service your policy. But remember, it's your coverage and you can cancel a policy whenever you choose to so never assume that you are permanently stuck with your new company with no way to switch.