Affordable Rate Quotes for Nissan Xterra Insurance in Las Vegas

Insurance quote for Nissan Xterra in Las VegasIt’s shocking but almost 70% of drivers kept buying from the same company for well over three years, and nearly half have never taken the time to shop around. Las Vegas consumers can save hundreds of dollars each year just by comparing rates, but they don’t believe how much savings they would realize if they switched to a more affordable policy.

If saving the most money is your goal, then the best way to get cheaper Nissan Xterra insurance is to compare quotes annually from insurers in Las Vegas. Drivers can shop around by completing these steps.

  1. Read and learn about how companies set rates and the changes you can make to keep rates in check. Many things that result in higher prices like at-fault accidents and poor credit history can be improved by making minor changes in your lifestyle.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies. Find a Las Vegas insurance agent
  3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save money and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current agent or company to cancel your current auto insurance policy and submit the required down payment along with the signed application to your new company or agent. Once the paperwork is finalized, place your new proof of insurance paperwork in your glove compartment.

A good tip to remember is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each price quote and and to get quotes from every company you can. Doing this ensures an accurate price comparison and maximum price selection.

Choosing the most cost-effective auto insurance policy in Las Vegas is actually quite simple. If you currently have a car insurance policy, you will most likely be able to find better prices using these techniques. Smart shoppers only need an understanding of the most time-saving way to find the lowest price online.

Car insurance providers offering affordable rate quotes in Nevada

The providers in the list below can provide quotes in Las Vegas, NV. In order to find cheap auto insurance in Las Vegas, we recommend you visit as many as you can to get a more complete price comparison.

Insurance coverage analysis

The premium information displayed next highlights detailed analysis of insurance policy prices for Nissan Xterra models. Having insight into how car insurance premiums are established can help customers make smart choices when comparing insurance quotes.


Nissan Xterra Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $202 $254 $314 $18 $94 $882 $74
Xterra S 2WD $202 $254 $314 $18 $94 $882 $74
Xterra S 4WD $202 $254 $314 $18 $94 $882 $74
Xterra X 4WD $202 $254 $314 $18 $94 $882 $74
Xterra Off Road 4WD $230 $324 $314 $18 $94 $980 $82
Xterra SE 2WD $230 $324 $314 $18 $94 $980 $82
Xterra SE 4WD $230 $324 $314 $18 $94 $980 $82
Get Your Own Custom Quote Go

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific Las Vegas garaging location which can increase or decrease rates substantially.

Can higher deductibles save money?

A question often asked by Las Vegas drivers is how high should your deductibles be. The figures shown below may aid in understanding the difference in cost when you buy lower versus higher physical damage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.


Nissan Xterra insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $208 $258 $308 $18 $92 $909 $76
Xterra S 2WD $208 $258 $308 $18 $92 $909 $76
Xterra S 4WD $208 $258 $308 $18 $92 $909 $76
Xterra X 4WD $208 $258 $308 $18 $92 $909 $76
Xterra Off Road 4WD $238 $330 $308 $18 $92 $1,011 $84
Xterra SE 2WD $238 $330 $308 $18 $92 $1,011 $84
Xterra SE 4WD $238 $330 $308 $18 $92 $1,011 $84
Get Your Own Custom Quote Go

Nissan Xterra insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $128 $162 $308 $18 $92 $708 $59
Xterra S 2WD $128 $162 $308 $18 $92 $708 $59
Xterra S 4WD $128 $162 $308 $18 $92 $708 $59
Xterra X 4WD $128 $162 $308 $18 $92 $708 $59
Xterra Off Road 4WD $148 $208 $308 $18 $92 $774 $65
Xterra SE 2WD $148 $208 $308 $18 $92 $774 $65
Xterra SE 4WD $148 $208 $308 $18 $92 $774 $65
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can change rates noticeably.

Based on the figures above, using a $250 deductible costs about $17 more each month or $204 every year averaged for all Xterra models than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 44 months between claim filings, you would most likely save money if you choose a higher deductible.

Verify you’re applying every discount

The price of auto insurance can be rather high, but companies offer discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings. If you are not receiving all the discounts possible, you are not getting the best rate possible.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

The example below illustrates the difference between Nissan Xterra car insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no claims or driving citations, Nevada state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, marriage, multi-policy, and multi-car discounts applied.

Popular insurance companies and a partial list of their discounts are shown below.

When getting a coverage quote, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in every state. To see a list of companies who offer insurance discounts in Nevada, follow this link.

Car insurance can be complex

Always remember that when buying your policy, there really isn’t a single plan that fits everyone. Your needs are unique to you and your car insurance should be unique as well. These are some specific questions may help highlight whether you would benefit from professional advice.

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance is available from local insurance agents

Certain consumers would rather get professional advice from a licensed agent and doing so can bring peace of mind Professional insurance agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of comparing insurance online is you can get the lowest rates but still work with a licensed agent.

Las Vegas insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your information is sent to participating agents in Las Vegas who will give you bids for your business. It makes it easy because there is no need to even leave your home since rate quotes are delivered to your email. If you want to quote rates from a specific company, you just need to navigate to their website and complete a quote there.

Selecting an insurer shouldn’t rely on just a cheap quote. These are some questions your agent should answer.

Independent or Exclusive: It’s your choice

If you are wanting to purchase insurance from a good insurance agency, you should know the different agency structures and how they are slightly different. Insurance policy providers can either be independent or exclusive. Both types can handle insurance, but it’s worth mentioning the difference in the companies they write for since it can impact your agent selection.

Exclusive Insurance Agencies

These agents can only provide pricing for a single company such as American Family, State Farm, and AAA. Exclusive agencies are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are highly trained on the products they sell and that enables them to sell even at higher rates.

Listed below is a short list of exclusive insurance agencies in Las Vegas that are able to give rate quotes.


1000 S Rampart Blvd #14Las Vegas, NV 89145(702) 869-6600View Map


9484 W Lake Mead Blvd #7Las Vegas, NV 89134(702) 982-3300View Map


3370 S Hualapai Way #140Las Vegas, NV 89117(702) 648-6642View Map

More Las Vegas agents

Independent Agencies or Brokers

Agents that choose to be independent do not have single company limitations so as a result can place your coverage with any number of different companies and get the cheapest rates. If prices rise, your agent can just switch to a different company and you don’t have to do anything. If you need lower rates, you should always get insurance quotes from a couple of independent agencies in order to compare the most rates.

Listed below are independent insurance agencies in Las Vegas that can give you rate quotes.


9960 W Cheyenne Ave #240Las Vegas, NV 89129(702) 965-3680View Map


724 S 9th StLas Vegas, NV 89101(702) 648-1634View Map


1953 N Decatur BlvdLas Vegas, NV 89108(702) 570-5777View Map

More Las Vegas agents

Be persistent to save money

We’ve covered quite a bit of information on how to find cheaper Nissan Xterra insurance in Las Vegas. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from some of the lesser-known companies. These companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm and Allstate.

More affordable auto insurance in Las Vegas is possible online and also from your neighborhood Las Vegas agents, so you need to quote Las Vegas car insurance with both in order to have the best price selection to choose from. Some companies may not offer online rate quotes and most of the time these small insurance companies prefer to sell through independent agents.

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