Car Insurance Quotes for a Nissan Titan in Las Vegas

It’s hard to fathom, but the vast majority of consumers have purchased from the same company for at least four years, and almost half have never compared insurance rates at all. Consumers in Las Vegas could save an average of $550 each year by just comparing quotes, but they mistakenly think it’s difficult to compare rates.

Insurance rates Nissan Titan in Las VegasThe preferred way to get the cheapest Nissan Titan insurance in Las Vegas is to start doing an annual price comparison from insurers who sell auto insurance in Nevada. Rate comparisons can be done by following these steps.

One thing to point out is to make sure you’re comparing similar deductibles and liability limits on each quote request and and to analyze as many auto insurance providers as possible. Doing this provides an apples-to-apples comparison and and a good selection of different prices.

If you have a current insurance policy, you will most likely be able to buy cheaper insurance using this strategy. Finding the cheapest coverage in Las Vegas is actually quite simple. But Nevada consumers can benefit by having an understanding of how the larger insurance companies calculate your insurance rates.

Companies offering Nissan Titan insurance in Las Vegas

The following companies offer free rate quotes in Las Vegas, NV. If you wish to find the best auto insurance in NV, we suggest you compare several of them in order to find the most competitive rates.

Nissan Titan coverage statistics

The premium information shown below outlines detailed analysis of insurance rates for Nissan Titan models. Being able to understand how auto insurance policy rates are determined is important for drivers to make decisions on which insurance to purchase.

Nissan Titan Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $206 $408 $296 $18 $88 $1,016 $85
Titan XE King Cab 2WD $234 $408 $370 $22 $110 $1,144 $95
Titan XE Crew Cab 4WD $234 $408 $296 $18 $88 $1,044 $87
Titan SE King Cab 4WD $234 $408 $296 $18 $88 $1,044 $87
Titan XE Crew Cab 2WD $234 $408 $370 $22 $110 $1,144 $95
Titan SE King Cab 2WD $234 $408 $370 $22 $110 $1,144 $95
Titan SE Crew Cab 4WD $234 $480 $296 $18 $88 $1,116 $93
Titan Pro-4X King Cab 4WD $234 $480 $296 $18 $88 $1,116 $93
Titan SE Crew Cab 2WD $234 $480 $370 $22 $110 $1,216 $101
Titan Pro-4X Crew Cab 4WD $234 $480 $296 $18 $88 $1,116 $93
Titan LE Crew Cab 4WD $234 $480 $296 $18 $88 $1,116 $93
Titan LE Crew Cab 2WD $260 $480 $370 $22 $110 $1,242 $104
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in specific location which can affect coverage prices noticeably.

Rate comparison for different deductibles

One common question asked by Las Vegas drivers is what deductibles to buy. The tables below may help to illustrate the price difference when you choose different physical damage coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Nissan Titan insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $238 $402 $308 $18 $92 $1,083 $90
Titan XE King Cab 2WD $268 $402 $386 $22 $116 $1,219 $102
Titan XE Crew Cab 4WD $268 $402 $308 $18 $92 $1,113 $93
Titan SE King Cab 4WD $268 $402 $308 $18 $92 $1,113 $93
Titan XE Crew Cab 2WD $268 $402 $386 $22 $116 $1,219 $102
Titan SE King Cab 2WD $268 $402 $386 $22 $116 $1,219 $102
Titan SE Crew Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Titan Pro-4X King Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Titan SE Crew Cab 2WD $268 $472 $386 $22 $116 $1,289 $107
Titan Pro-4X Crew Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Titan LE Crew Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Titan LE Crew Cab 2WD $300 $472 $386 $22 $116 $1,321 $110
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Nissan Titan insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $148 $252 $308 $18 $92 $818 $68
Titan XE King Cab 2WD $166 $252 $386 $22 $116 $942 $79
Titan XE Crew Cab 4WD $166 $252 $308 $18 $92 $836 $70
Titan SE King Cab 4WD $166 $252 $308 $18 $92 $836 $70
Titan XE Crew Cab 2WD $166 $252 $386 $22 $116 $942 $79
Titan SE King Cab 2WD $166 $252 $386 $22 $116 $942 $79
Titan SE Crew Cab 4WD $166 $298 $308 $18 $92 $882 $74
Titan Pro-4X King Cab 4WD $166 $298 $308 $18 $92 $882 $74
Titan SE Crew Cab 2WD $166 $298 $386 $22 $116 $988 $82
Titan Pro-4X Crew Cab 4WD $166 $298 $308 $18 $92 $882 $74
Titan LE Crew Cab 4WD $166 $298 $308 $18 $92 $882 $74
Titan LE Crew Cab 2WD $184 $298 $386 $22 $116 $1,006 $84
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific garaging location which can raise or lower rates significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $24 more each month or $288 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 31 months between claims, you would probably save some money if you opt for a higher deductible. Here’s a better example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): – $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

An important sidenote is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a physical damage claim. You need to have some savings in the event you have to pay the deductible for vehicle repair.

Nissan Titan insurance rates by gender in Las Vegas

The information below illustrates the difference between Nissan Titan car insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are not married, and no discounts are applied.

Nissan Titan liability-only versus full coverage

The example below compares Nissan Titan insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The data assumes no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied to the premium.

When to drop comprehensive and collision

There isn’t a written rule for phasing out physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Nissan Titan claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying your policy deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where dropping full coverage is not recommended. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Don’t neglect these price cutting discounts

Insurance is easily one of your largest bills, but you may qualify for discounts that you may not know about. Most are applied at the time of purchase, but a few must be inquired about before they will apply.Discount insurance

Drivers should understand that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount should help reduce the amount you pay for coverage.

The example below visualizes the comparison of Nissan Titan yearly insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no violations or claims, 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, homeowner, safe-driver, multi-car, claim-free, and multi-policy discounts applied.

To see companies with discount rates in Nevada, click this link.

Las Vegas Insurance Rates are Influenced by These Factors

Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other criteria are less apparent such as your marital status and annual miles driven.

Shown below are just a few of the factors that factor into your premiums.

Driver age impacts premiums – Older insureds are shown to be more cautious, tend to file fewer claims, and usually have better credit. Beginning drivers are statistically proven to be inattentive and easily distracted when behind the wheel so car insurance rates are higher.

The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Poor credit score equals high premiums – Your credit rating is a big factor in calculating your premium rate. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit could use some work, you could be paying less to insure your Nissan Titan if you improve your credit rating.

Buy as much liability insurance as you can afford – Liability insurance is the protection if you are ruled to be at fault for an accident. Liability provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.

Do you need those extra policy coverages? – Policies have additional extra coverages that you can buy but may not be useful. Insurance for things like vanishing deductibles, high-cost glass coverage, and extra equipment coverage may not be needed and are just wasting money. You may think they are a good idea initially, but now you might not need them so eliminate them to save money.

Annual miles is a factor – The higher the miles on your Nissan in a year the more you’ll pay to insure it. Most companies charge rates based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time cost less to insure than vehicles that have high annual mileage. Having an incorrect usage rating on your Titan may be costing you higher rates. It’s always a good idea to double check that your car insurance declarations sheet reflects the correct usage.

Loss statistics for a Nissan Titan – Companies include the past claim trends for vehicles when they set coverage costs for each model. Vehicles that have a trend towards higher claim severity or frequency will have a higher premium rate.

The table below outlines the historical insurance loss data for Nissan Titan vehicles. For each policy coverage, the loss probability for all vehicles, as a total average, is a value of 100. Numbers under 100 mean the vehicle has better than average losses, while values over 100 indicate frequent claims or a tendency for losses to be larger than average.

Nissan Titan Insurance Loss Statistics
Specific Nissan Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Titan Crew Cab 2WD 95 127 120
Nissan Titan Crew Cab 4WD 95 137 109 77 99 108
Nissan Titan Ext Cab 2WD 117 111
Nissan Titan Ext Cab 4WD 106 107

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Tailor your auto insurance coverage to you

When selecting adequate coverage, there really is no cookie cutter policy. Each situation is unique.Auto insurance savings

These are some specific questions might point out if you could use an agent’s help.

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Compare prices but buy from a local Las Vegas insurance agency

Many people still prefer to get advice from a local agent and that is a personal choice. One of the benefits of getting free rate quotes online is you can get lower rates and still choose a local agent. Buying from small agencies is important particularly in Las Vegas.

Find insurance agent in Las VegasUpon completion of this quick form, your insurance data is submitted to insurance agents in Las Vegas who will give you bids for your insurance coverage. It’s much easier because you don’t need to leave your computer since price quotes are sent to you directly. You can find better rates without the usual hassles of price shopping. If you need to get a comparison quote from a particular provider, just navigate to their website to submit a rate quote request.

Shown below are agents in Las Vegas that may be willing to give comparison quotes for Nissan Titan insurance in Las Vegas.

2035 Village Center Cir #100Las Vegas, NV 89134(702) 851-2400View Map

7881 W Charleston Blvd #140Las Vegas, NV 89117(702) 382-4010View Map

4676 W Charleston BlvdLas Vegas, NV 89102(702) 462-9100View Map

Tom Ferrier – State Farm Insurance Agent
7528 Westcliff DrLas Vegas, NV 89145(702) 255-7770View Map

View more Las Vegas agents

Finding the right company is decision based upon more than just a low price. Before buying a policy in Las Vegas, get answers to these questions.

Best auto insurance in Las Vegas

Ending up with a high-quality car insurance provider can be challenging considering how many companies there are in Nevada. The company ratings listed below could help you select which companies you want to consider comparing rate quotes with.

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

A conclusion for your car insurance search

Drivers who switch companies do it for a variety of reasons including delays in responding to claim requests, poor customer service, not issuing a premium refund and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Affordable Nissan Titan insurance in Las Vegas can be bought both online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and many times these small insurance companies only sell through local independent agents.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

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