Do you get exhausted from not being able to scrape enough together to pay your insurance bill each month? You're in the same situation as millions of other people.

Discount Toyota Prius insuranceUnbelievably, over 70% of consumers have purchased from the same company for more than four years, and nearly 40% of drivers have never compared rates from other carriers. American drivers can save hundreds of dollars each year, but they underestimate the benefits if they swap their current policy for a cheaper one.

You have so many auto insurance companies to purchase coverage from, and although it's nice to have a choice, lots of choices makes it harder to adequately compare rates for Toyota Prius insurance in Henderson.

When price shopping your coverage, more quotes helps you find more affordable rates.

The companies shown below provide free rate quotes in Nevada. If several companies are displayed, we suggest you compare several of them to get the cheapest price.

Toyota Prius Insurance Cost Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $300 $478 $262 $16 $78 $1,134 $95
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific Henderson garaging location which can change prices significantly.

Deductible comparison

The hardest decision when buying coverage is how high should the physical damage deductibles be. The tables below may help you to understand the differences in price when you choose different insurance deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Toyota Prius insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $300 $478 $262 $16 $78 $1,159 $97
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Toyota Prius insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Prius $166 $252 $262 $16 $78 $774 $65
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Henderson which can increase or decrease premiums noticeably.

Based on this data, using a $100 deductible will cost you roughly $32 more each month or $384 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 28 months between claims, you would probably save some money going with the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): - $65
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One important note is that higher deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need enough disposable savings in the event you need to pay the deductible.

Raise deductibles and save

The diagram below demonstrates how deductibles and can affect Toyota Prius annual premium costs for different ages of insureds. The information is based on a married female driver, comp and collision included, and no policy discounts are applied.

Your situation helps dictate your coverage

When it comes to the right insurance coverage, there really is not a "perfect" insurance plan. Your needs are unique to you.Drive safe and save

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Are insurance agents obsolete?

A lot of people prefer to talk to a local agent and that is just fine! The biggest benefit of getting free rate quotes online is you may find cheap insurance rates and still have a local agent. Buying from and supporting neighborhood agents is definitely important in Henderson.

Find insurance agent in HendersonTo help locate an agent, after submitting this quick form, your coverage information is emailed to agents in your area who will return price quotes for your business. You never need to contact any agents since price quotes are sent to the email address you provide. You can find lower rates without having to waste a lot of time. If you want to get a comparison quote from a specific insurance company, don't hesitate to jump over to their website and complete a quote there.

If you want a reputable insurance agent or broker, there are two types of agencies that you can select. Agents may be either independent agents or exclusive agents depending on their employer.

Independent Insurance Agencies or Brokers

Independent agencies do not sell for just one brand and that is an advantage because they can write policies with many different companies and help determine which has the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured.

When searching for an agent, we highly recommend that you get rate quotes from several independent insurance agents to get the most accurate price comparison.

Listed below is a partial list of independent agents in Henderson that may be able to give you free price quotes.

283 Grand Olympia Dr - Henderson, NV 89012 - (702) 434-7640 - View Map

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

10624 S Eastern Ave # L - Henderson, NV 89052 - (800) 701-5909 - View Map

More Henderson agents

Exclusive Agents

Agents that choose to be exclusive can only place business with one company and examples are Farmers Insurance and State Farm. They are unable to shop your coverage around so keep that in mind. Exclusive agents are highly trained on their company's products which helps them sell on service rather than price.

Shown below is a list of exclusive agents in Henderson that can give you price quotes.

183 Gibson Rd - Henderson, NV 89014 - (702) 456-8119 - View Map

19 S Stephanie St #190 - Henderson, NV 89012 - (702) 565-9198 - View Map

2540 Anthem Village Dr Ste 180 - Henderson, NV 89052 - (702) 778-2222 - View Map

More Henderson agents

Finding the right insurance agency requires more thought than just a cheap price. These are some questions your agent should answer.