Best Way to Compare Toyota Prius Insurance Rates in Nevada

Locating better insurance prices for a Toyota Prius in Nevada can normally be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to buy auto insurance so you’re going to learn the proper way to get price quotes for your Toyota and obtain the lowest possible price from Nevada insurance agents and online providers.

You should make it a habit to check auto insurance prices at least once a year because insurance rates are constantly changing. Just because you had the lowest price for Prius insurance two years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so by reading this article, you’re going to learn some great ways to buy auto insurance cheaper.

Don’t miss these discounts

Car insurance companies do not list all available discounts very clearly, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit available, you’re paying more than you need to.

Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Prius insurance than their less cautious counterparts.
Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
Senior Citizens – Mature drivers can possibly qualify for a discount up to 10% for Prius insurance.
Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Paperless Signup – A few companies may give you up to $50 simply for signing online.
Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

To choose providers offering auto insurance discounts in Nevada, follow this link.

Toyota Prius rates are complex

An important part of buying insurance is that you know the rating factors that play a part in calculating auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Liability coverage protects you – Liability insurance provides coverage when you are found liable for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
Younger drivers pay higher rates – Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to be more careless behind the wheel and because of this, their auto insurance rates are much higher.
Battle of the sexes – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men cause accidents in similar percentages, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
More claims means more premium – Companies in Nevada provide better rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Traffic violations increase rates – Even a single ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
High performance equals high price – The performance level of the vehicle you own makes a huge difference in the rate you pay. The lowest rates are generally reserved for low performance passenger cars, but other factors influence the final cost greatly. Since the Toyota Prius is a compact car, rates will be the same to a little lower when compared to the average rates.
Special features that cut premiums – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
Lower deductibles cost more – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Toyota. Examples of covered claims would be a windshield shattered by a rock, damage from fire, or theft. Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more expense you’re willing to pay, the less your auto insurance will be for Prius insurance.

Buying car insurance locally

Some consumers would prefer to sit down with an agent and that is OK! Agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is transmitted to local insurance agents who will compete to get your business. You won’t need to leave your house as quotes are delivered straight to your inbox. It doesn’t get any easier!

Picking an insurance company needs to be determined by more than just the bottom line cost. Here are some questions to ask: Nevada insurance quotes

Do they assist clients in filing claims?
Who is covered by the car insurance policy?
Is working in the agency their full-time job?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
If you are a high risk driver, do they have special markets for your coverage?

Nevada car insurance agents come in two flavors

When searching for a reputable insurance agent or broker, there are a couple of types of insurance agents that you can select. Insurance agencies in Nevada are categorized either independent or captive. Either one can insure your vehicles, but it’s worth mentioning how they differ since it can impact your agent selection.

Agency Captives

This type of agents can only place business with one company such as Allstate, AAA, Liberty Mutual and State Farm. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Captive agents are well schooled on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents primarily because of the brand legacy and strong financial ratings.

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When shopping rates, we recommend you include price quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.

To view a full list of Nevada agents, click here.

Upon receiving satisfactory answers to these questions and a good coverage price, you may have just found an auto insurance agent that meets your needs to provide auto insurance coverage.

Slick advertising tricks that work

Nevada drivers get pounded daily by advertisements that promise big savings by companies like Allstate, GEICO and Progressive. They all seem to make an identical promise about savings if you change to them.

How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the right customer that makes them money. For example, a profitable customer might be profiled as between 25 and 40, owns a home, and has a high credit rating. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will be quoted higher rates which leads to business not being written. The ads state “customers that switch” but not “drivers who get quotes” save that much money. This is how companies can claim big savings. This emphasizes why it’s extremely important to quote coverage with many companies. You cannot predict which auto insurance company will give you the biggest savings.

More tips and info about auto insurance is located at the Nevada Division of Insurance website. Nevada drivers can read enforcement actions against agents and companies, report car insurance fraud, and find out which companies have the most complaints.

The following information may also be useful.

Final thoughts

You just learned a lot of ways to shop for Toyota Prius insurance online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from the least-expected company.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, extreme rates for teen drivers or not issuing a premium refund. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.

When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.