Has it been over a year since you last compared quotes for lower-priced car insurance rates in Henderson, NV? There isn't a single person who loves paying for car insurance, especially when they know the prices are way too high.

Unthinkable but true, most car insurance policyholders in Nevada have remained with the same car insurance company for over three years, and approximately 40% of consumers have never compared rates with other companies. Many consumers in America can cut their rates by as much as $859 a year by just shopping around, but they don't want to spend time to compare rates.

Many auto insurance companies compete for your business, so it can be very hard to choose a company to discover the definitive lowest cost out there.

The most recommended method to compare policy rates is to understand almost all companies actually pay money for the chance to compare rate quotes. All you need to do is take a few minutes to give details including if you lease or own, daily mileage, an estimate of your credit level, and driver details. The rating information is instantly submitted to many different companies and you should receive rate quotes quickly.

To compare multiple company rates now, click here and enter your coverage details.

The car insurance companies shown below are our best choices to provide free quotes in Henderson, NV. If multiple companies are listed, we recommend you click on several of them in order to find the lowest rates.

Insurance Estimates for Popular Vehicles in Henderson
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $816 $408 $68
Chevrolet Silverado LT Regular Cab $910 $455 $76
Dodge Ram Crew Cab ST 2WD $1,060 $530 $88
Ford Escape XLS 4WD $900 $450 $75
Ford F-150 FX2 Super Cab 2WD $1,120 $560 $93
Ford Focus SES 4-Dr Sedan $968 $484 $81
Honda Accord LX 4-Dr Sedan $822 $411 $69
Honda CR-V EX-L 2WD $1,150 $575 $96
Honda Civic SI 4-Dr Sedan $908 $454 $76
Honda Odyssey EX-L W/Rear Entertainment $980 $490 $82
Nissan Altima 2.5 4-Dr Sedan $956 $478 $80
Toyota Camry LE $924 $462 $77
Toyota Corolla LE $1,094 $547 $91
Toyota Prius $880 $440 $73
Toyota RAV4 Limited 4WD $1,226 $613 $102
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in garaging location in Henderson which can revise coverage prices significantly.

Comparison of policy deductibles

The diagram below demonstrates how deductibles and can raise or lower Nissan Sentra yearly insurance costs for each different age category. The prices are based on a married male driver, comp and collision included, and no discounts are applied.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Three reasons insurance is important

Despite the high cost, maintaining insurance may be required and benefits you in several ways.

The benefits of buying insurance definitely exceed the cost, especially when you need to use it. But the average American driver is currently overpaying as much as $865 each year so it's recommended you shop around at least once a year to ensure rates are inline.

Take advantage of every car insurance discount

Some companies don't always list all discounts very clearly, so the following list contains a few of the more well known in addition to some of the lesser obvious car insurance savings.Discount car insurance

Discounts save money, but please remember that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, companies don't profit that way.

If you would like to view companies that provide some of the discounts listed above in Nevada, click here to view.

Insurance agent or online?

Certain consumers just want to visit with an insurance agent and that is not a bad decision A nice benefit of comparing rates online is that you can obtain cheap auto insurance quotes but still work with a licensed agent. Buying from local insurance agents is important particularly in Henderson.

For easy comparison, once you complete this short form, your insurance coverage information is immediately sent to insurance agents in Henderson that provide free Henderson auto insurance quotes for your coverage. You don't have to leave your house since price quotes are sent immediately to you. You can find better rates and a licensed agent to work with. If you wish to compare prices from one company in particular, you can always navigate to their website to submit a rate quote request.

If you want to use a local insurance agency, there are two types of insurance agents that you can select. Agencies in Henderson can be categorized as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies or Brokers

These type of agents are not employed by one company and that enables them to quote your coverage through lots of different companies and find the cheapest auto insurance rates. If they find a lower price, the business is moved internally and you don't have to find a new agent. If you are comparing rate quotes, it's recommended you include several independent insurance agents in order to have the best price comparison.

Below are Henderson independent agents who may be able to give you comparison quotes.

Safeco Insurance
2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map

170 S Green Valley Pkwy #300 - Henderson, NV 89012 - (702) 522-0730 - View Map

All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 - Henderson, NV 89052 - (702) 660-6618 - View Map

View more agents

Exclusive Insurance Agencies

Agents that elect to be exclusive write business for a single company like State Farm or Allstate. They are unable to place coverage with different providers so you might not find the best rates. Exclusive agencies are well trained on their company's products which can be an advantage.

Shown below are exclusive agencies in Henderson willing to provide price quote information.

223 S Water St b - Henderson, NV 89015 - (702) 279-4299 - View Map

11115 S Eastern Ave #130 - Henderson, NV 89052 - (702) 617-9111 - View Map

55 S Gibson Rd #106 - Henderson, NV 89012 - (702) 938-5050 - View Map

View more agents

Finding the right auto insurance agent shouldn't rely on just the price. These questions are important to ask:

If you feel you receive reasonable responses to all your questions and an acceptable price quote, you may have found an auto insurance agent that is reliable enough to provide auto insurance coverage. But remember, it's your policy and you can terminate your policy when you choose so never feel you're contractually obligated to the auto insurance policy for the full policy term.

Auto insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you'll find typical coverage types available from auto insurance companies.

Liability coverages - Liability insurance provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/10 that means you have $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as court costs, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. Nevada requires drivers to carry at least 15/30/10 but it's recommended drivers buy more coverage.

Collision - Collision coverage covers damage to your vehicle resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, theft and fire damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your vehicle.

Due to the fact that many Nevada drivers have only the minimum liability required by law (Nevada limits are 15/30/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for immediate expenses for doctor visits, prosthetic devices, EMT expenses, pain medications and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Insurance losses by coverage

Which vehicles statistically have few claims? The next tables show the worst and best manufacturer models for the probability of having claims.

Auto Insurance Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Subaru Outback Kia Rio
Subaru Forester Chevrolet Impala
Acura MDX Chevrolet Sonic
Mercedes-Benz SL Class Mitsubishi Lancer
Volvo XC60 Dodge Charger
Audi A6 Chevrolet Cruze

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Collision Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-150 SuperCrew Audi RS7
Ford Edge Maserati Ghibli
Nissan Xterra Maserati Granturismo
GMC Canyon BMW M6
Ford F-250 SuperCab Nissan GT-R
Smart ForTwo Ferrari 458

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Claims Highest Claims
Chevy Silverado 2500 BMW M6
Nissan Leaf Maserati Quattroporte
Ford F-350 Audi S7
Volvo V60 Porsche Panamera GTS
Smart ForTwo Bentley Continental GT
GMC Sierra 2500 Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Land Rover Range Rover Sport Chevrolet Sonic
Ford F-250 SuperCrew Kia Forte
Chevrolet Corvette Mitsubishi Mirage
Ford Expedition Mitsubishi Lancer
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best insurance company isn't always the cheapest

In this article, we covered some good ideas how you can shop for auto insurance online. The key thing to remember is the more companies you get prices for, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Lower-priced auto insurance in Henderson can be bought both online as well as from insurance agents, so you need to shop Henderson auto insurance with both to have the best chance of lowering rates. Some companies don't offer internet price quotes and these smaller companies provide coverage only through independent agents.

More tips and info about auto insurance can be read in these articles: