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Car insurance brokers las vegas

Whether you’re buying only liability insurance or a full coverage car insurance policy, the thought of cheap car insurance is enticing. And there’s no better way to find the best deal than by shopping around and comparing quotes.

To help you find the cheapest car insurance, NerdWallet did a car insurance comparison of rates for incident-free drivers from the five largest auto insurers across the 12 most populous states in the country.

Here’s how the big guys stack up.

In this article

Car insurance rates among the largest companies
Why you should consider smaller insurers, too
Tips to help all drivers save
Cheapest car insurance by state


» COMPARE: Auto insurance rates

Rankings: Car insurance rates among the five largest companies

1. Geico

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For the general population, Geico offers the cheapest car insurance quotes on average nationwide. NerdWallet found an average rate of $1,297 a year in our study.

Geico also provides a variety of easy-to-score discounts that can cut costs. Motorists who’ve gone five years without an accident qualify for the company’s good driver discount. There are also opportunities to save by insuring multiple vehicles, driving a car with air bags, always wearing seat belts and taking advantage of various other discounts.

2. State Farm

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State Farm ranks second for pricing among the four largest companies, but with an average quote of $2,296 per year, nearly $1,000 per year higher than Geico. The good news is drivers have ample opportunity to trim their costs, especially if they have a clean driving record. Among other savings opportunities, State Farm offers four separate discounts that deal with safe and accident-free driving.

State Farm is the nation’s leading car insurance provider in terms of market share, offering a vast array of insurance products and financial services in every state plus Washington, D.C.

3. Progressive

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Progressive returned an average quote of $2,821 per year, which comes out to $235 a month. That’s $525 a year higher than State Farm and more than double the cost of Geico.

Progressive may appeal to drivers looking for a paper- and agent-free experience. You can manage your policy entirely online. Starting a quote online and signing policy documents electronically are also two ways to qualify for discounts, along with things like bundling auto and home insurance and insuring multiple cars.

4. Allstate

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Of the four largest insurers, Allstate had the highest average annual quote for good drivers at $3,182, or roughly $265 per month. Although ponying up that kind of cash is a lot to ask, the company has solid finances and relatively few complaints from policyholders. Allstate holds an A+ (Superior) financial strength rating from A.M. Best and has a customer complaint ratio of 0.77, better than the industry median of 1.00, according to data compiled by the National Association of Insurance Commissioners.

Among other discounts, Allstate offers price breaks for safe driving, including savings once you’ve gone accident- and violation-free for three years, and again for five years.

» COMPARE: Car insurance quotes

USAA: Best for those with military ties

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You may already recognize USAA for its highly rated customer service. But the company has more to offer than a friendly bedside manner — it also notched the cheapest car insurance rates in our study, at $918 a year. USAA offers several discounts to help you save more, including for going more than five years with a clean record and for taking an approved defensive driving course.

USAA is open to active and retired military members and their families, and offers car insurance and other insurance products in all 50 states and Washington, D.C.

Check out smaller insurers, too

Finding cheap car insurance doesn’t mean you have to stick with large, national insurance companies. Regional and small insurers may beat the lowest offers from the big guys. For example:

  • Grange Mutual offered the lowest car insurance in Ohio at $701 a year.
  • Erie Insurance had a rate of $796 for Pennsylvania car insurance, second-lowest behind only USAA.

Tips for anyone to get cheap car insurance

No matter who your auto insurance company is, here are tips for saving on your policy:

  1. Look for discounts — even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you now work from home and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.
  2. Rethink your insurance limits and deductibles. Don’t strip away your coverage just for the sake of a lower price. But consider accepting a higher deductible on collision and comprehensive if it makes sense. Raising deductibles means you would owe more out of pocket if you had to file a comprehensive or collision claim. If you rarely drive or are financially comfortable with that risk, though, it’s a surefire way to get cheaper car insurance.
  3. Cash in on major life changes. Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a new city with stellar public transportation. If you’re commuting by train instead of car, your risk for accidents will go down — and your rates just might, too.

NerdWallet’s comparison tool makes it easy to see quotes from top companies side by side and possibly save hundreds on your rates.

Cheapest car insurance by state

Wondering who’s the most likely to offer cheap auto insurance where you live? NerdWallet looked at rates for 30-year-old good drivers from the largest insurers in each state. Find your state in the list below:

STATE BY STATE
Alabama Alaska Arizona Arkansas
California Colorado Connecticut Delaware
District of Columbia Florida Georgia Hawaii
Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maine
Maryland Massachusetts Michigan Minnesota
Mississippi Missouri Montana Nebraska
Nevada New Hampshire New Jersey New Mexico
New York North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania Rhode Island
South Carolina South Dakota Tennessee Texas
Utah Vermont Virginia Washington
West Virginia Wisconsin Wyoming
Alabama
  • Geico
  • ALFA
  • Allstate
Alaska
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • State Farm
Arizona
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • State Farm
Arkansas
  • Geico
  • USAA (only available to active military members, veterans and their families)
  • State Farm
California
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • Esurance
Colorado
  • USAA (only available to active military members, veterans and their families)
  • American Family
  • State Farm
Connecticut
  • Amica Mutual
  • Travelers
  • State Farm
Delaware
  • USAA (only available to active military members, veterans and their families)
  • Nationwide
District of Columbia
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • State Farm
Florida
  • State Farm
  • Geico
  • Esurance
Georgia
  • Geico
  • Georgia Farm Bureau
  • State Farm
Hawaii
  • Geico
  • USAA (only available to active military members, veterans and their families)
  • State Farm
Idaho
  • Safeco
  • Geico
Illinois
  • Country Financial
  • State Farm
  • American Family
Indiana
  • Erie
  • Indiana Farmers Mutual 
  • American Family
Iowa
  • Nationwide
  • American Family
  • State Farm
Kansas
  • USAA (only available to active military members, veterans and their families)
  • State Farm
  • Farm Bureau Mutual
Kentucky
  • State Farm
  • Geico
  • Kentucky Farm Bureau
Louisiana
  • State Farm
  • Southern Farm Bureau
  • Allstate
Maine
  • Geico
  • Concord
Maryland
  • USAA (only available to active military members, veterans and their families)
  • Erie
  • Geico
Massachusetts
  • Commerce (MAPFRE) Insurance
  • Progressive
  • Amica Mutual
Michigan
  • Auto-Owners Insurance
  • Hanover
  • Frankenmuth Insurance
Minnesota
  • Travelers
  • American Family
  • Western National
Mississippi
  • Safeco
  • USAA (only available to active military members, veterans and their families)
Missouri
  • American Family
  • Farm Bureau
  • AAA
Montana
  • USAA (only available to active military members, veterans and their families)
  • State Farm
Nebraska
  • Farmers Mutual of Nebraska
  • State Farm
  • Allstate
Nevada
  • Geico
  • State Farm
  • American Family
New Hampshire
  • Amica Mutual
  • Concord
  • Geico
New Jersey
  • Travelers
  • New Jersey Manufacturers
  • Allstate
New Mexico
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • State Farm
New York
  • Geico
  • Travelers
  • Progressive
North Carolina
  • Geico
  • Progressive
  • North Carolina Farm Bureau
North Dakota
  • State Farm
  • American Family
  • Nodak Mutual
Ohio
  • Grange
  • Erie
  • State Farm
Oklahoma
  • State Farm
  • USAA (only available to active military members, veterans and their families)
Oregon
  • Country Financial
  • Geico
  • State Farm
Pennsylvania
  • Erie
  • USAA (only available to active military members, veterans and their families)
  • Travelers
Rhode Island
  • Geico
  • Amica Mutual
  • Progressive
South Carolina
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • State Farm
South Dakota
  • Allied
  • State Farm
  • Farmers Mutual Insurance of Nebraska
Tennessee
  • Geico
  • Farm Bureau Mutual
  • Travelers
Texas
  • USAA (only available to active military members, veterans and their families)
  • Geico
  • State Farm
Utah
  • Bear River Mutual
  • Geico
  • American Family
Vermont
  • Geico
  • Co-operative Insurance
  • Nationwide
Virginia
  • Geico
  • State Farm
  • Nationwide
Washington
  • Geico
  • PEMCO
  • Farmers
West Virginia
  • Erie
  • Westfield Insurance
Wisconsin
  • American Family
  • West Bend Mutual
  • State Farm
Wyoming
  • Geico
  • Safeco

To recap:

Cheap car insurance options

InsurerCheapest forAverage price
USAADrivers with a military connection$77/month
GeicoGeneral population$108/month

Alex Glenn is a staff writer at NerdWallet, a personal finance website. Email: aglenn@nerdwallet.com.

METHODOLOGY

NerdWallet averaged rates for 30-year-old men and women with no incidents on record across the 12 most populous states in the country in 10 ZIP codes per state and from the largest insurers in each state. Sample drivers had 100/300/50 liability insurance limits, 100/300 uninsured motorist coverage limits and collision and comprehensive with a $1,000 deductible. Where needed, minimum required amounts of personal injury protection were added. We used a 2012 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Source


CarInsuranceQuotes.com makes comparing car insurance quotes from different insurance providers fast and easy!

It’s simple: If you drive a car, you need car insurance. Almost every state in the U.S. requires that drivers have at least basic liability coverage. You should also consider additional coverages, such as uninsured motorist coverage, collision coverage, personal injury protection and comprehensive car insurance to make sure you’re always prepared for the unexpected.

Depending upon your circumstances, you may need more than just the basics. We help you find the right insurance rates that meet all of your needs. Simply provide us with some basic information and we’ll deliver free car insurance quotes for you to compare and consider.

We cater to both the newly insured and those switching policies

If you’re buying insurance for the first time, we help you find carriers with coverage plans that make sense for your situation.

Already have auto insurance coverage? We can help with that as well by giving you quotes that may save you money.

Regularly reevaluate your car insurance coverage

Even if you think your current insurance coverage is fine, it never hurts to explore your options. Many things affect auto insurance rates, including:

  • Moving to a new state.
  • Getting married.
  • Getting a new job closer to home.
  • Your credit score.
  • Purchasing a new car that has modern safety features such as anti-lock brakes, air bags, and an alarm system.

Taking a defensive driving course or just improving your driving record on your own may also affect insurance rates. Even buying a home can change what you pay in auto insurance.

No matter your situation, it pays to shop around for car insurance quotes at least once a year. Insurance companies adjust rates all the time which means the amount you paid for coverage last year may be lower this year.

How CarInsuranceQuotes.com finds great rates for you

We make getting the lowest car insurance quote and comparing rates from insurance companies quick and easy. We respect your privacy, and always keep your personal information secure. All we need from you are answers to a few questions, such as:

  • Your age and gender
  • Your marital status and education level
  • Your credit rating
  • Your occupation
  • Your driving history, along with the history of other drivers in the household
  • Your vehicle make and model

We also need your ZIP code and the best way of contacting you. We take it from there.

We connect you with local and national insurance companies ready to provide quotes quickly and accurately, within just a few minutes. You receive information from multiple carriers, all by filling in one form on our site. Our free car insurance quotes come from many different insurance companies, including the nation’s top insurers including Allstate, Farmers, Liberty Mutual, Travelers, and Esurance.

Compare premium costs easily

Comparing car insurance quotes can be confusing and frustrating. We make it straightforward and simple. The best way to find a great price is by looking at several quotes, all based on the same data input, side-by-side. This way you’ll never pay more than you have to for auto insurance.

Use our expert car insurance resources

In addition to giving you quotes, CarInsuranceQuotes.com also offers expert news, information and articles about auto insurance to keep you informed. After viewing our resources, if you think you deserve better insurance rates, sign up for free car insurance quotes today.

Source


Homeowners and Auto Insurance in Las Vegas, NV

Preventing Las Vegas Residents and Businesses from Gambling with Risk

Individuals flock to Las Vegas for big risk, big reward adventures. However, when the bright lights fade, the greatest reward resides in protection against financial burdens associated with risk exposure. At Sage Insurance Services, Inc., we specialize in securing individuals and businesses in Las Vegas, and surrounding Nevada communities, with reliable insurance services.

A Full House of Insurance Coverages

We don’t roll the dice on your protection. Instead, we play the same cards that have held true since our agency’s establishment more than two decades ago.

Our agents work one-on-one with the clients we serve, confirming coverage is personalized to their needs. We’ll take the time necessary to not only develop fitting coverage, but also educate clients on the integral components of their policy.

Once requirements are mapped out, agents route coverage toward an established insurance product. At Sage Insurance Services, Inc., we have a close relationship with Nationwide Insurance, as well as Travelers Insurance and Progressive. For our clients, this translates to personalized service courtesy of a local agent partnered with a product from a nationally-renowned insurance company.

Protection for the long-term profitability of Nevada companies is instituted within our business insurance program. Our current clientele consists of a variety of specific industries, including restaurants, bars, and churches. We administer insurance for Las Vegas businesses of all sizes and scopes, but for small to-medium sized operations we recommend a business owners policy (BOP). A typical BOP encompasses essential coverages relevant to businesses of this stature, such as commercial property insurance, general liability coverage, and crime insurance.

To learn more about the coverages we offer, contact our agency at your convenience.

What Happens in Vegas, Is Protected by Our Agents

Ongoing service continues long after the policy purchasing process, as agents consistently monitor coverage and confirm rates remain competitive. If changes arise, we’ll work directly with you to make certain these alterations are mirrored in your insurance policy.

Don’t take the gamble on insurance coverage. To begin working with us to secure a policy, feel free to request a quote.

Additional Resources:

  • Insurance Information for Nevada Residents and Businesses (Nevada Division of Insurance)
  • Small Business Insurance Details and Materials (The U.S. Small Business Administration (SBA))
  • Insurance Purchasing Guides (The National Association of Insurance Commissioners (NAIC))

Source

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