Who Has Cheap Auto Insurance for Hybrid Vehicles in Nevada?

The car, truck, or SUV needing coverage is one of the largest considerations when quoting cheap insurance for hybrid vehicles. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost significantly less to insure than high performance models. The data below features insurance rates for some of the cheapest vehicles to insure in Nevada.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can affect premiums noticeably.

Looking at the numbers, you can assume that vehicles like the Honda Accord, Hyundai Elantra, Honda CR-V, Jeep Wrangler, and Hyundai Tucson are the most affordable vehicles to insure for hybrids.

Buying reasonably-priced car insurance is not always easy, and finding out which company quotes the best auto insurance rates for hybrid vehicles calls for even more diligence.

Every auto insurer has a different process for determining rates, so we’ll go over the most competitive auto insurance companies in Nevada.

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Travelers quotes some of the best car insurance rates in Nevada at around $912 annually. Allied, Capital, Oregon Mutual, and Progressive would also be considered some of the more affordable Nevada car insurance companies.

As illustrated above, if you are a customer of Oregon Mutual and switched to Travelers, you may see annual savings of in the neighborhood of $270. Insureds with Progressive might save as much as $290 a year, and American Family customers might see rate reductions of $306 a year.

To compare your rates to other Nevada insurance companies, click here to start your free quote or click through to the companies below.

Bear in mind that those premiums are averaged across all drivers and vehicles in Nevada and do not factor in a price discount for hybrid vehicles. So the insurer that has the cheapest price for you may not even be in the rate chart shown above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.

Reckless driving habits raise Nevada auto insurance rates

The best way to receive low auto insurance rates for hybrids is to be a cautious driver and maintain a clean driving record. The chart below illustrates how speeding tickets and fender-benders can impact insurance premiums for each different age group. The prices are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

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In the previous example, the average cost of an auto insurance policy per year with no violations or accidents is $1,512. Get two speeding tickets and the average cost swells to $2,091, an increase of $579 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for hybrid vehicles increases to an average of $4,140. That’s an increase of $2,628, or $219 per month, just for not being a responsible driver!

Progressive, Geico, State Farm, and Allstate: Who is best?

If you want the best auto insurance, four of the larger companies to compare rates for are Progressive, Geico, State Farm, and Allstate. Between them, they insure nearly half of all car insurance policies in America. The following table compares and contrasts ratings for price and service, as well as some optional coverages .

Cheapest insurance quotes for hybrids

There are quite a few ways to find affordable auto insurance in Nevada, but the three most common are through an exclusive agency such as State Farm or Auto-Owners, an independent agent, or from a direct company like Geico. They all follow the same basic process, but each is slightly different in how they function.

Independent agents work with multiple companies and can provide price quotes from every one. They do not work for one specific company and can get prices from more than one company, which can give you more bang for your buck. If the agent locates a cheaper price, your policy can be easily switched to a new company and you can keep the same agent.

A captive, or exclusive, agent is only able to give rates for one company, two examples being an Auto-Owners or Allstate agent. Exclusive agents normally do not have the ability to quote prices from more than just one company, so if finding the cheapest auto insurance is your goal, you will want to shop around.

The third popular method of shopping for auto insurance is direct, which means you bypass a local insurance agent and instead buy direct online or over the phone from a company like Progressive or Esurance. Shopping direct may be good for drivers who do not need advice for risk management and know what auto insurance covers.

When shopping for auto insurance, which way works best to buy cheap auto insurance for hybrid vehicles in Nevada? It would be simple to say buying direct results in the best prices because you bypass the middleman, but unfortunately, it’s not that cut and dried. It would also be easy to say buying from an independent agent results in the cheapest rates due to having more companies to select from, but that assumption is also not necessarily accurate. In a lot of cases, exclusive agents have coverage prices that other auto insurance companies cannot touch.

Due to that fact that auto insurance uses so many rating variables, really the only way to ensure the lowest rates is to obtain price quotes and compare them. If you have the time, get quotes from all three in order to find the best price. For a list of companies offering online discounts, click here to view.