The words “cheap” and “auto insurance” probably shouldn’t be used in the same sentence, specifically when searching for the best price on coverage for immigrants. To help control this cost, let’s familiarize you with some situations the can have a considerable influence on car insurance premiums, and figure out some ideas to cut the cost of your next policy.
The vehicle on the policy is a large factor that determines whether or not you find the most affordable coverage for immigrants. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.
The list below outlines insurance rates for a number of the most cost-effective vehicles to insure in Nevada.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,940|
|Ford Escape XLS 4WD||$1,945|
|Honda CR-V LX 2WD||$2,126|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,132|
|Ford Explorer XLT 2WD||$2,176|
|Chevrolet Malibu LT||$2,342|
|Ford F-150 FX4 4WD||$2,347|
|Hyundai Elantra SE Touring Station Wagon||$2,367|
|Honda Civic EX 4-Dr Sedan||$2,380|
|Ford Edge SEL AWD||$2,465|
|GMC Sierra SLE Extended Cab 4WD||$2,468|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$2,475|
|Jeep Grand Cherokee Laredo 4WD||$2,515|
|Chevrolet Impala LT||$2,520|
|Toyota RAV4 Sport 2WD||$2,515|
|Volkswagen Jetta 2.0T Station Wagon||$2,543|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$2,553|
|Dodge Grand Caravan Crew||$2,565|
|Nissan Rogue SL AWD||$2,587|
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can alter rates noticeably.
By looking at the data, you can see that vehicles like the Honda Accord, Ford Escape, Honda CR-V, and Jeep Wrangler are most likely going to be a few of the most budget-friendly vehicles to insure for foreigners.
One of the many criteria that are looked at to help calculate the annual cost of car insurance is where you call home in Henderson. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The following table sorts the priciest cities in Nevada for immigrants to purchase a policy in. Henderson comes in at #8 with an annual cost of $1,749 for car insurance, which is around $146 monthly.
|5||North Las Vegas||$1,882|
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Table data uses estimated as specific Henderson zip code can revise insurance rates substantially.
How to get discounts on Henderson car insurance rates
Car insurance companies that offer coverage for immigrants may provide policy discounts that can lower rates by 25% or more if you meet the requirements. A list of auto insurance companies and their offered discounts are:
- American Family policyholders can earn discounts including defensive driver, Steer into Savings, early bird, bundled insurance, TimeAway discount, mySafetyValet, and air bags.
- State Farm has savings for passive restraint, good student, Drive Safe & Save, Steer Clear safe driver discount, and multiple policy.
- 21st Century has discounts for automatic seat belts, defensive driver, student driver, homeowners, air bags, good student, and teen driver.
- Travelers offers premium reductions for IntelliDrive, multi-policy, hybrid/electric vehicle, early quote, and new car.
- GEICO includes discounts for multi-policy, anti-lock brakes, five-year accident-free, membership and employees, and defensive driver.
The diagram below visualizes the comparison of car insurance costs with and without discounts. The data is based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multiple policy, claim-free, anti-theft, accident-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for immigrants is 28% or $466.
Choosing the right auto insurance company is difficult considering how many different companies insure vehicles in Henderson. The ranking information displayed below could help you select which auto insurers you want to consider comparing rate quotes with. The ratings below are for companies that insure vehicles across America, so smaller regional companies are not factored into this list.
Top 10 Large Car Insurance Companies in Henderson Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Reckless driving habits raise auto insurance rates
The common sense way to score good auto insurance rates for foreigners is to drive safe and maintain a clean driving record. The information below demonstrates how traffic citations and accidents increase auto insurance costs for different age categories. The costs are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of a car insurance policy in Henderson per year with no accidents or violations is $1,342. Get written up for two speeding tickets and the average cost increases to $1,896, an increase of $554 each year. Next add two accidents along with the two speeding tickets and the annual cost of auto insurance for immigrants increases to an average of $4,202. That’s an increase of $2,860, or $238 per month, just for not paying attention while driving!