Insurance for Chevy CruzeDo you think you bought overpriced Chevy Cruze insurance in Henderson? It's quite common and many Henderson drivers have buyer's remorse.

Unthinkable but true, over 70% of consumers have remained with the same insurance company for more than four years, and practically 40% of insurance customers have never taken the time to shop around. Henderson insurance shoppers could save an average of up to 35% each year, but they don't understand how simple it is to find cheaper insurance rates. Companies like Allstate, Liberty Mutual and State Farm all claim big savings with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It's a great practice to compare rates occasionally because insurance prices change frequently. Just because you found the best rates on Chevy Cruze insurance in Henderson a few years ago there is a good chance you can find better rate quotes now. There is a lot of wrong information about Cruze insurance online, but you can learn some great ideas on how to save money.

Companies offering Chevy Cruze insurance in Nevada

The companies in the list below are ready to provide free rate quotes in Nevada. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.

How do Insurers Determine Chevy Cruze Insurance Premiums?

Multiple criteria are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, but some are less obvious like where you live or your vehicle rating. It's important that you understand some of the things that aid in calculating your policy premiums. If you know what impacts premium levels, this enables you to make decisions that may result in better insurance rates.

Discounts mean cheaper rates for Chevy Cruze insurance in Henderson

Companies do not list all discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find credits available to lower your premiums when you buy Henderson auto insurance online.Discount car insurance

One thing to note about discounts is that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, companies wouldn't make money that way.

A few of the larger companies and the discounts they provide are shown below.

Check with all companies you are considering the best way to save money. A few discounts might not be offered on policies in Henderson. For a list of car insurance companies who offer discounts in Nevada, click here to view.

When to talk to an insurance agency

A small number of people prefer to sit down and talk to an agent and that is recommended in a lot of cases Licensed agents are trained to spot inefficiencies and help you file claims. The best thing about getting free rate quotes online is that you can find the lowest rates and still choose a local agent.

Find insurance agent in HendersonTo help locate an agent, after submitting this short form, your insurance coverage information is emailed to insurance agents in Henderson who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to find an agent as quotes are delivered directly to your email. If you wish to compare prices from a particular provider, you would need to jump over to their website and complete a quote there.

Selecting an provider should depend on more than just a cheap price quote. Get answers to these questions too.

When searching for a reputable insurance agent or broker, you need to know there are two different types of agencies and how they can write your policy. Insurance agencies in Henderson are either exclusive or independent (non-exclusive). Both types can properly insure your vehicles, but we need to point out the subtle differences because it can impact the selection process.

Exclusive Insurance Agents

Exclusive insurance agents have only one company to place business with like State Farm, Allstate and AAA. They generally cannot compare rates from other companies so you need to shop around if the rates are high. They are usually quite knowledgeable on their company's products which helps them compete with independent agents.

The following are exclusive agents in Henderson who may provide you with price quotes.

Sam King - State Farm Insurance Agent
2253 N Green Valley Pkwy - Henderson, NV 89014 - (702) 435-0222 - View Map


780 Coronado Center Dr Ste 100 - Henderson, NV 89052 - (702) 737-7150 - View Map


8955 S Pecos Rd #1b - Henderson, NV 89074 - (702) 750-9990 - View Map

More insurance agents

Independent Agencies or Brokers

These agents are appointed with more than one company so they have the ability to put coverage through many different insurance companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage and you don't have to switch agencies. When shopping rates, you will want to get insurance quotes from a couple of independent agencies in order to compare the most rates.

Shown below is a short list of independent insurance agencies in Henderson willing to provide comparison quotes.


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

Avenue Insurance Agency
1258 Rising Cloud Cir - Henderson, NV 89052 - (702) 933-3289 - View Map

Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy - Henderson, NV 89002 - (702) 732-7675 - View Map

More insurance agents

Do you really save 40% when you switch?

Nevada consumers can't get away from all the ads that claim the cheapest premium rates by companies like GEICO, State Farm and Progressive. All the companies advertise claims of big savings if you change your coverage.

How does each company cost less than your current company? Just pay attention to how they say it.

Companies offer their best rates for the type of customer that earns them the highest profit. A good example of a preferred risk might be between the ages of 30 and 50, has a clear driving record, and chooses high deductibles. Any person who matches that profile will get the preferred car insurance rates in Henderson and will most likely cut their rates substantially.

Drivers who do not meet those criteria will probably have to pay more expensive rates which results in the customer not purchasing. If you listen closely, the ads state "customers who switch" but not "everyone who gets a quote" will save that much if they switch. That's the way insurance companies can confidently make the claims of big savings. Different companies use different criteria so you really should get price quotes at each policy renewal. It is impossible to guess which company will have the best premium rates at this point in time.

One last note

In this article, we covered many ideas to lower your Chevy Cruze insurance rates in Henderson. The key thing to remember is the more you quote Henderson auto insurance, the better chance you'll have of finding affordable Henderson auto insurance quotes. Consumers may even find the lowest rates are with a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Some companies do not offer rate quotes online and many times these small insurance companies only sell coverage through independent agencies. Cheaper Chevy Cruze insurance in Henderson can be purchased online and from local insurance agents, so compare prices from both in order to have the best price selection to choose from.

Much more information about car insurance in Nevada is available on the following sites: