Compare Nissan Versa Insurance Quotes in Las Vegas

Insurance for Nissan VersaTrying to find the cheapest insurance for a new or used Nissan Versa in Nevada can normally be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to find car insurance online and you need to know the quickest way to price shop coverage for a Nissan and locate the lowest possible price from both online companies and Las Vegas agents.

Amazingly, the vast majority of car insurance customers have purchased from the same company for at least the last four years, and about 40% of consumers have never quoted car insurance rates at all. Las Vegas consumers can cut their rates by nearly 35% a year just by getting comparison quotes, but most tend to underestimate the amount of money they would save if they swap their current policy for a cheaper one.

Auto insurance providers offering low-cost rate quotes in Nevada

The auto insurance companies shown below are our best choices to provide free quotes in Las Vegas, NV. In order to find cheaper car insurance in Nevada, we recommend you click on several of them to get the most affordable price.

Insurance coverage analysis

The coverage table shown below showcases estimates of insurance premium costs for Nissan Versa models. Having knowledge of how policy premiums are calculated is important for making decisions when choosing a new policy provider.

Nissan Versa Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $138 $280 $296 $18 $88 $820 $68
Versa 1.8 S Hatchback $162 $402 $296 $18 $88 $966 $81
Versa 1.8 S SEDAN $162 $402 $296 $18 $88 $966 $81
Versa 1.8 SL Hatchback $186 $462 $296 $18 $88 $1,050 $88
Versa 1.8 SL SEDAN $186 $462 $296 $18 $88 $1,050 $88
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific location which can change coverage prices considerably.

Analysis of deductible levels

When buying car insurance, a common question is which deductibles should you choose. The comparison tables below help summarize how much more you’ll pay between high and low deductibles. The first pricing table uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Nissan Versa insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $176 $330 $308 $18 $92 $949 $79
Versa 1.8 S Hatchback $208 $472 $308 $18 $92 $1,123 $94
Versa 1.8 S SEDAN $208 $472 $308 $18 $92 $1,123 $94
Versa 1.8 SL Hatchback $238 $544 $308 $18 $92 $1,225 $102
Versa 1.8 SL SEDAN $238 $544 $308 $18 $92 $1,225 $102
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Nissan Versa insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $110 $208 $308 $18 $92 $736 $61
Versa 1.8 S Hatchback $128 $298 $308 $18 $92 $844 $70
Versa 1.8 S SEDAN $128 $298 $308 $18 $92 $844 $70
Versa 1.8 SL Hatchback $148 $342 $308 $18 $92 $908 $76
Versa 1.8 SL SEDAN $148 $342 $308 $18 $92 $908 $76
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in Las Vegas location which can affect rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you about $23 more each month or $276 annually than choosing the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 33 months between claims, you would save more money if you choose a higher deductible.

The chart below illustrates how choosing a deductible and can change Nissan Versa premium costs for different age groups. The rate quotes are based on a married male driver, comp and collision included, and no other discounts are factored in.

Drive responsibly or pay higher rates

The illustration below illustrates how violations and at-fault collisions can increase Nissan Versa car insurance costs for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Men versus women drivers and insurance cost

The diagram below shows the difference between Nissan Versa insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are factored in.

Cost of full coverage

The information below illustrates the difference between Nissan Versa car insurance rates with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no policy discounts are applied.

Should you be buying full coverage?

There is no clear-cut formula to eliminate physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s say your Nissan Versa replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying the physical damage deductible. If it’s costing in excess of $500 a year to have full coverage, then you might want to think about dropping full coverage.

There are some circumstances where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Lower Insurance Rates with These Tips

Multiple criteria are used in the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but some are not as apparent like where you live and annual miles driven.

Younger driver insurance premiums – Older insureds are viewed as being more responsible, tend to cause fewer accidents, and are generally more financially stable. Teen drivers have a tendency to be more careless when driving with friends so they pay higher insurance rates.

The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

Companies want multiple policies – Some insurers will give better rates to buyers who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to make sure you are getting the best deal.There is a good possibility that you can save money even if you insure with multiple companies

Too many insurance claims drive up prices – Auto insurance companies in Nevada give lower rates to policyholders who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of larger claims.

Location can affect price – Residing in less populated areas of the country can be a good thing when talking about insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. People in densely populated areas regularly have more road rage incidents and a longer drive to work. Spending more time driving means more chance of being in an accident.

Nissan Versa insurance loss probability – Insurers analyze the history of losses when setting rates for each model. Vehicles that tend to have higher claim amounts or frequency will be charged more to insure. The table below illustrates the collected loss data for Nissan Versa vehicles.

For each insurance policy coverage type, the loss probability for all vehicles, as a total average, is set at 100. Values that are 100 or less suggest a positive loss record, while values over 100 indicate higher probability of having a loss or tendency to have higher losses.

Car Insurance Loss Data for Nissan Versa Models
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Versa 116 110 92 190 203 138
Nissan Versa Note 112 96 85 161 171 133

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

You may qualify for discounts for Nissan Versa insurance in Las Vegas

Some insurers don’t always list every discount available in an easy-to-find place, so the below list has a few of the more common and also the more inconspicuous credits available to bring down your rates.Save money with discounts

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

The illustration below shows the difference between Nissan Versa premium costs with and without discounts applied to the rates. The premiums assume a male driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, homeowner, multi-car, and claim-free discounts applied.

Some of the larger companies that may offer policyholders most of these discounts are:

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Discounts might not be offered on policies in Las Vegas. If you would like to view companies that offer the discounts shown above in Las Vegas, click here to view.

Compare prices but buy from a local Las Vegas insurance agent

A small number of people just prefer to buy from a licensed agent and that can be a smart move Professional agents will help you protect your assets and help submit paperwork. The biggest benefit of comparing rates online is that you can find cheaper prices and still have an agent to talk to.

To find an agent, once you fill out this simple form, the coverage information is instantly submitted to local insurance agents in Las Vegas that provide free Las Vegas auto insurance quotes for your coverage. You don’t have to search for any insurance agencies because prices are sent to the email address you provide. In the event you want to compare prices from a specific company, don’t hesitate to go to their quote page and complete a quote there.

Choosing the best insurance company should include more criteria than just a cheap quote. Here are some questions you might want to ask.

The difference between Las Vegas car insurance agents

If you want to buy auto insurance from a reliable insurance agency, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Agents can be classified as either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but it’s a good idea to understand the differences because it can influence the type of agent you choose.

Exclusive Insurance Agencies

Agents in the exclusive channel can only place business with one company such as State Farm, Allstate, and Farm Bureau. They generally cannot provide prices from multiple companies so always compare other rates. Exclusive agencies are trained well on sales techniques and that enables them to sell even at higher rates. Consumers sometimes purchase coverage from exclusives mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below are Las Vegas exclusive agencies who can help you get price quote information.

More insurance agents

Independent Auto Insurance Agents

Agents that choose to be independent are appointed with more than one company so as a result can place your coverage amongst many companies and find you cheaper rates. If premiums increase, an independent agent can move your coverage and you won’t have to switch agencies.

If you are comparing auto insurance prices, we recommend you check rates from multiple independent agents for maximum quote selection. Most can insure with lesser-known insurance companies which may provide better rates.

Shown below is a short list of independent agents in Las Vegas willing to provide comparison quotes.

More insurance agents

After talking to the agent and getting positive feedback to any questions you have and a good coverage price, you may have just found an auto insurance agent that meets your needs to properly service your auto insurance policy. Just keep in mind you can cancel your policy any time you want so don’t feel you’re contractually obligated to a policy for the full term.

Nevada auto insurance companies ranked

Selecting the highest-rated auto insurance company can be difficult considering how many companies sell coverage in Las Vegas. The ranking information displayed below could help you select which companies to look at purchasing a policy from.

Top Auto Insurance Companies in Nevada
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies

Auto insurance is unique, just like you

Keep in mind that when it comes to choosing a policy, there is no “perfect” insurance plan. Every situation is different and your auto insurance should be unique as well.Auto insurance savings
For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Cheap auto insurance premiums are out there

As you shop your coverage around, you should never buy less coverage just to save a little money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the lowest possible cost.

We just presented some good ideas how to save on Nissan Versa insurance in Las Vegas. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Las Vegas auto insurance quotes. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

Lower-priced Nissan Versa insurance in Las Vegas can be bought both online in addition to many Las Vegas insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and many times these smaller companies provide coverage only through independent agencies.

Steps to finding low-cost Nissan Versa insurance in Las Vegas

The easiest way to get budget Nissan Versa insurance in Las Vegas is to regularly compare quotes from insurers who provide car insurance in Nevada.

A good piece of advice is to try to use the same level of coverage on every quote and and to get price estimates from as many auto insurance providers as possible. This enables a level playing field and a good representation of prices.

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