Better Methods to Save When Insurance Shopping for Your Jeep Compass in Las Vegas

No one in their right mind likes paying for auto insurance, in particular when they are paying too much.

Consumers have many insurance companies to insure vehicles with, and though it is a good thing to have a selection, having more insurance companies makes it harder to locate the cheapest rates.

Pricing cheaper auto insurance coverage in Las Vegas can be fairly easy. Just about every driver who is shopping for auto insurance will most likely be able to cut their insurance bill. But Nevada consumers do need to learn the way insurance companies price online insurance.

Which Auto Insurance is Cheapest in Las Vegas, NV?

All major auto insurance companies like Allstate and Progressive provide prices online. The process doesn’t take a lot of time as you just type in the coverages you want as detailed in the form. After you complete the form, the system will obtain your credit score and driving record and returns a price quote determined by many factors. This streamlines rate comparisons, but the time required to go to different websites and complete many quote forms is repetitive and time-consuming. But it is imperative to have as many quotes as possible in order to find better prices.

Compare rates the easy way

A less time-consuming method to find lower prices uses one form to get prices from a lot of companies. It’s a real time-saver, reduces the work, and makes online shopping a little more enjoyable. As soon as you send your information, it gets priced with multiple companies and you can pick any of the quotes that you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It takes just a few minutes to complete and can result in significant savings.

If you want to get comparison pricing now, click here to open in new window and enter your information. If you currently have coverage, we recommend you input the limits and deductibles exactly as shown on your declarations page. This way, you will have a fair comparison based on identical coverages.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Some trigger automatically at the time you complete a quote, but less common discounts must be asked about before they will apply.

  • One Accident Forgiven – A few companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Compass coverage than their less cautious counterparts.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Compass coverage depending on your company.

It’s important to note that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.Las Vegas insurance cheap

Parts of the Jeep Compass rate equation

It’s important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Save money with special equipment – Owning a car with an alarm system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Marriage brings a discount – Being married actually saves money when buying auto insurance. Marriage usually means you are more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and lower rates for you. If your Jeep Compass has ratings of a minimum four stars on you may qualify for a discount.
  • Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships are examples of these. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.

Buying car insurance locally

Some consumers just want to sit down with an agent. The best thing about comparing rates online is that you can obtain better rates but also keep your business local. Buying from local businesses is important especially in Las Vegas.

Upon completion of this simple form, the quote information is instantly submitted to companies in Las Vegas who will battle for your insurance coverage. You don’t have to leave your house since price quotes are sent directly to your email. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Choose the right insurance agency

When searching for a good Las Vegas insurance agent, there are a couple of different types of agents from which to choose. Agencies in Las Vegas are either independent (non-captive) or captive.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but rather can write business with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, you should always get quotes from multiple independent agents for the best price selection.

Captive Insurance Agents

These agents can only place business with one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They are unable to provide prices from multiple companies so they have no alternatives for high prices. These agents are very knowledgeable on the products they sell which can be an advantage.

Choosing an insurance agent needs to be determined by more than just a low price. Some important questions to ask are:

  • How long has their agency been open in Las Vegas?
  • Do they review policy coverages at every renewal?
  • Does the agency have a good rating with the Better Business Bureau?
  • Who is covered by the car insurance policy?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How much will you save each year by using a higher deductible?

Upon getting satisfactory answers in addition to an acceptable price estimate, you’ve probably found an insurance agency that meets your needs to properly service your auto insurance policy.

More information is located on the website for the Nevada Division of Insurance through this link. Consumers can read consumer alerts, file complaints about an insurance agent or broker, and file complaints about a company.

Additional helpful sites include’s auto insurance page and this link where you can make Las Vegas auto insurance comparisons.

Can switching companies really save?

Allstate and Progressive consistently run television and radio advertisements. All the companies make the same claim about savings if you change to them. How can each company make almost identical claims? It’s all in the numbers.

compare Jeep Compass insurance prices

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a driver they prefer might be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who do not match the requirements will have to pay more money which usually ends up with the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. This is how insurance companies can advertise the way they do.

Because of the profiling, you should compare as many rates as you can. It’s just too difficult to predict the company that will have the lowest rates.

Quote more, save more

Cheap Jeep Compass insurance can be sourced on the web and with local Las Vegas insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We’ve covered a lot of tips how to compare Jeep Compass insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a small local company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.