There isn't anyone who gets a kick out of paying for car insurance, in particular when the cost is too high.

Insurance quote for Honda CR-V in Las VegasShockingly, 70% of consumers have purchased from the same company for at least four years, and nearly 40% of drivers have never compared rate quotes at all. Las Vegas consumers can cut their rates by approximately $550 a year just by getting comparison quotes, but most undervalue the large savings they would see if they switched.

Due to the large number of insurance providers from which to choose, it's difficult to pick the lowest cost car insurance company.

When price shopping your coverage, quoting more helps increase your odds of locating more affordable rates. Some companies don't provide rate quotes online, so you need to compare rates from them, too.

The providers in the list below have been selected to offer free quotes in Las Vegas, NV. If multiple companies are listed, it's a good idea that you visit several of them in order to find the lowest rates.

Honda CR-V Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $208 $330 $262 $16 $78 $894 $75
CR-V EX 2WD $124 $234 $340 $20 $102 $820 $68
CR-V LX 4WD $154 $244 $270 $16 $80 $764 $64
CR-V EX 4WD $302 $394 $344 $20 $102 $1,162 $97
CR-V EX-L 2WD $258 $386 $268 $16 $80 $1,008 $84
CR-V EX-L 4WD $214 $328 $354 $20 $106 $1,022 $85
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in garaging location in Las Vegas which can lower or raise auto insurance rates noticeably.

Difference between liability only and full coverage rates

The diagram below illustrates the comparison of Honda CR-V insurance prices with full coverage compared to only the Nevada minimum liability coverage. Data assumes no tickets, no at-fault accidents, $500 deductibles, married female driver, and no policy discounts are applied.

When to switch to liability coverage only

There isn't a written rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's assume your Honda CR-V settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after you pay the deductible. If you are paying over $300 annually for full coverage, then it could be time to drop full coverage.

There are a few cases where only buying liability is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Discounts for cheaper insurance rates

Some insurance providers don't necessarily list every discount in an easy-to-find place, so the list below gives a summary of both well-publicized and the harder-to-find credits available to lower your premiums when you buy Las Vegas car insurance online.Cheaper insurance with discounts

Consumers should know that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Despite the appearance that you could get a free insurance policy, company stockholders wouldn't be very happy. Any qualifying discounts will lower your policy premium.

A few popular companies and a partial list of their discounts are detailed below.

It's a good idea to ask every company which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your state. For a list of insurance companies who offer discounts in Nevada, click here.

Las Vegas Insurance Rates are Influenced by These Factors

Many different elements are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent such as whether you are married or your commute time.

Local neighborhood agents and car insurance

Certain consumers still like to get professional advice from a licensed agent and that is not a bad decision One of the benefits of comparing car insurance online is that you can obtain the best rates and still choose a local agent. And providing support for local insurance agencies is still important in Las Vegas.

Insurance agents in Las VegasUpon completion of this short form, your insurance coverage information is submitted to local insurance agents who will give you bids for your coverage. It makes it easy because there is no need to even leave your home because quoted prices will be sent to you instantly. You can find lower rates and a licensed agent to work with. If you need to get a rate quote from a specific car insurance provider, feel free to search and find their rate quote page and submit a quote form there.

Exclusive agents vs. Independent agents

If you need to find a local Las Vegas insurance agent, you must know there are a couple different types of agencies to choose from. Agents can be described as either independent agents or exclusive agents.

Independent Insurance Agents

Agents that choose to be independent are normally appointed by many insurers so they can write business with a variety of different insurance companies and find you the best rates. If you want to switch companies, the business is moved internally and you don't have to find a new agent. When comparing car insurance rates, we highly recommend that you get some free quotes from a couple of independent agencies for maximum quote selection.

Listed below is a partial list of independent agents in Las Vegas who can help you get free car insurance quotes.

4175 S Riley St #200 - Las Vegas, NV 89147 - (702) 597-5998 - View Map

6420 W Spring Mountain Rd #20 - Las Vegas, NV 89146 - (702) 212-3838 - View Map

5025 S Eastern Ave #20 - Las Vegas, NV 89119 - (702) 307-3398 - View Map

More Las Vegas agents

Exclusive Insurance Agents

Agents of this type can only provide pricing for a single company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. They are very knowledgeable on their company's products which helps offset the inability to provide other markets.

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

1000 S Rampart Blvd #14 - Las Vegas, NV 89145 - (702) 869-6600 - View Map

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

Ste B3, 3220 S Durango Dr - Las Vegas, NV 89117 - (702) 901-8787 - View Map

More Las Vegas agents

Finding the right insurance agency needs to be determined by more than just the price. These are some questions your agent should answer.

After talking to the agent and getting positive feedback to these questions in addition to an acceptable price estimate, you've probably found a car insurance agent that is professional and can properly insure your vehicles.

Do I need special coverages?

When choosing your policy for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different and your insurance should unique, too.Insurance savings For example, these questions can help discover if you would benefit from an agent's advice.

If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Buyer beware of insurance advertising tricks

Respected companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the ads make an identical promise that people will save if you move your insurance policy to them. How does every insurance company have lower policy pricing? It's all in how they say it.

All companies have strict underwriting profiles for the type of driver that will be a good risk. An example of a profitable insured could possibly be a married male, is a homeowner, and insures a new vehicle. Someone that meets those criteria will get very good Las Vegas rates as well as save money with a new company.

Insureds who may not quite match these standards will be charged higher premiums which leads to the customer buying from someone else. The ads state "people who switch" but not "everyone who gets a quote" save that much money. That's the way insurance companies can confidently advertise the savings.

Because of the profiling, you should compare rate quotes every year. It's not possible to predict which company will have the best premium rates at this point in time.

Don't give up on cheap rates

The cheapest Honda CR-V insurance in Las Vegas can be sourced online as well as from independent agents in Las Vegas, so you need to shop Las Vegas car insurance with both to have the best chance of lowering rates. Some insurance providers do not offer rates over the internet and most of the time these small, regional companies sell through independent agencies.

As you quote Las Vegas car insurance, it's not a good idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, but don't skip important coverages to save money.

We just presented a lot of tips how to lower your Honda CR-V insurance premium rates in Las Vegas. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Consumers could even find that the biggest savings come from the smaller companies. Smaller companies can often provide lower prices in certain areas compared to the large companies like Progressive or GEICO.

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