Las Vegas is the 28th most populated city in United States and most populated city in the State of Nevada. There are a lot of car insurance companies in Las Vegas. Such as GEICO, American National Insurance, Sage Insurance Services Inc., Estrella Insurance Services, Kyminas Insurance, State Farm, Liberty Mutual, Progressive Commercial Vehicle etc. Las Vegas dwellers want to know and how to get cheap car insurance? so cheap car insurance las vegas have been discussed for the Las Vegas dwellers.
Top Insurance Companies in Las Vegas
There are a lot of car insurance companies in Las Vegas. Among them following car insurance companies are most popular.
- State Farm
- American Family
- Oregon Mutual
- 21st Century
- Liberty Mutual
Are you paying enough to buy car insurance? The millions of other consumers in Las Vegas are in the same situation as you. But it is very difficult to find the absolute best rate through compare insurance companies.
In Las vegas, Auto insurance companies offer different discount in different issues. So before taking car insurance policy, Las vegas dwellers should know following factors.
Free Paperwork: If one buy his policy through online, he can get back up to $50 from few companies.
Discount for Life Insurance: If one buys car insurance along with life insurance, he can get some discount.
Savings of Homeowners: A home owner may get a car insurance policy discount because it is proof that home owner’s finances are in order.
Bundle and Save: If you take multiple policies from same insurance company, you may get up to 20% discount from your total premium.
Multiple Cars: If you buy insurance for all your vehicles on one policy, you may get a price break for each car.
Driver Safety: If you have a defensive driving course, you may get 5% or more discount if you qualify.
Method of Payment: If you pay your total annual premium at a time instead of making monthly payments you could save up to 5%.
Employee of Federal Government: Employees of Federal Government can get a discount from certain companies.
Distant Student: Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
There are different types of discounts are available in Las vegas. Such as Driver Discounts, Vehicle Discounts, Policy Discounts.
Drivers can get following common discounts:
- Good Driver/Claim-Free Driver
- Low-Risk Occupation
- Driver Training
Car owner can get following common Vehicle Discounts:
- Safety Equipment Installed
- Alternative Fuel Car
- Hybrid Vehicle
- New Car
Car owner also get following common Policy Discounts:
- Multi-Vehicle Insurance
- Full Premium Payment
- Bundling Multiple Policies
- Customer Loyalty
Beside this, to get cheap car insurance in Las Vegus, following Safety Requirements should be followed in Las Vegas
According to Las vegus law, a person must wear a seatbelt when he/she ride a vehicle. It is applicable for driver and all passengers who are at least six years old and weigh 60 pounds. Passengers who are under the age of 12 years old must sit in the back seat wearing seatbelt. And children who are less than 6 years old and under 60 pounds must sit in a child seat.
If a person is riding motorcycle on the highway in Las vegus, he or she and passenger must wear helmets. But it is not bound for motorcycle riders and passengers to wear helmets when they ride in an authorized parade.
In Las vegas, a driver must not talk on a handheld cellular phone, when driving a car. If one violates this law, he may pay a fine up to $250.
It also prohibited to drivers accessing the Internet from or texting from their cellular telephones in Las vegas while driving. If you are found to be in violation of this law, you may receive a fine $50 for first time offense. In second time offense, you have to receive a fine $100 and in third offense you have to receive a fine $250.
Impaired Driving Laws
If the driver is under 21 years old and he has a blood alcohol content (BAC) equal to .02 percent or higher he will have to pay fine. And if the driver is over 21 years old and he has a blood alcohol content (BAC) equal to .08 percent or higher he will have to pay fine.