Trying 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.
| 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.
| 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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| 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.
| 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: iihs.org (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.
- Driver’s Ed – It’s a good idea to have your young drivers successfully take a driver’s education course if it’s offered in school.
- Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums.
- Federal Government Employee – Active or former government employment could cut as much as 10% off but check with your company.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life policy as well.
- Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on Las Vegas auto insurance quote as opposed to drivers with a long claim history.
- Multiple Policy Discount – When you have multiple policies and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- Online Discount – A handful of insurance companies give back up to $50 just for signing your application digitally online.
- Homeowners Savings – Owning your own home or condo may trigger a policy discount on car insurance because owning a home means you have a higher level of financial diligence.
- Anti-lock Brakes – Cars and trucks with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
- Safe Driver Discount – Drivers who avoid accidents could pay up to 40% less as compared to drivers with claims.
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.
- By raising physical damage deductibles, how much would you save?
- Can glass claims be handled at your home?
- Is the agent properly licensed in Nevada?
- Are they able to influence company decisions when a claim is filed?
- How often do they review coverages?
- What insurance company do they write the most business with?
- Are they in the agency full-time?
- Do they see any coverage gaps in your plan?
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.
- Jason Paszek – State Farm Insurance Agent
4250 E Bonanza Rd #16 – Las Vegas, NV 89110 – (702) 453-9500 – View Map - Ron Reedom – State Farm Insurance Agent
1943 N Nellis Blvd – Las Vegas, NV 89115 – (702) 459-9546 – View Map - Farmers Insurance: Kenny Redelsperger
4045 Spencer St #114 – Las Vegas, NV 89119 – (702) 735-0926 – View Map
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.
- Omega Insurance Brokerage
3301 W Spring Mountain Rd – Las Vegas, NV 89102 – (702) 685-0170 – View Map - Nationwide Insurance: Sage Insurance Services Inc Agency
1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map - Alliance Insurance Agency
1955 E Tropicana Ave h – Las Vegas, NV 89119 – (702) 518-6727 – View Map
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.
| 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: Insure.com 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.
For example, these questions can aid in determining if your situation would benefit from an agent’s advice.
- How much cheaper are high deductibles?
- Does my car insurance cover rental cars?
- If my pet gets injured in an accident are they covered?
- Who is covered by my policy?
- Do I need replacement cost coverage on my Nissan Versa?
- Which companies will insure me after a DUI?
- Does medical payments coverage apply to all occupants?
- Are my friends covered when driving my Nissan Versa?
- Can I afford low physical damage deductibles?
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.
- Step 1: Spend some time learning about what is in your policy and the things you can control to prevent expensive coverage. Many rating factors that cause high rates such as traffic tickets, fender benders, and poor credit rating can be improved by paying attention to minor details.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple sources.
- Step 3: Compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
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.
For more information, feel free to browse these articles:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for Immigrants in Las Vegas? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)