It’s well known that auto insurance companies don’t want you shop around. Drivers who shop around annually will, in all likelihood, move their business because there is a good chance of finding coverage at a more affordable price. A survey found that people who compared rates annually saved an average of $72 a month as compared to drivers who don’t make a habit of comparing rates.
If finding budget-friendly rates on insurance is your goal, understanding how to find and compare cheaper coverage can help you succeed in saving money.
If saving money is your primary concern, then the best way to find affordable quotes for Nissan Armada insurance in Las Vegas is to compare prices at least once a year from insurers in Nevada. You can shop around by completing these steps.
First, gain an understanding of how auto insurance works and the modifications you can make to prevent expensive coverage. Many risk factors that drive up the price like speeding tickets, accidents and an unacceptable credit history can be remedied by making lifestyle changes or driving safer.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while agents who are independent can provide price quotes for many different companies.
Third, compare the new rate quotes to your existing policy to see if cheaper Armada coverage is available in Las Vegas. If you can save money and change companies, verify that coverage does not lapse between policies.
One bit of advice is to try to use similar limits and deductibles on every price quote and and to get price estimates from every insurance company. Doing this ensures a fair price comparison and the most accurate and complete price analysis.
Buying the cheapest auto insurance in Las Vegas is not rocket science. If you have a policy now or are just looking to switch companies, take advantage of these tips to find the best rates and possibly find even better coverage. Drivers just need to know the proper methods to compare different rates from many companies at once.
How Insurers Determine Nissan Armada Insurance Rates
An important part of buying insurance is that you know some of the things that are used to determine the price you pay for insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that could result in lower premium levels. Multiple criteria are taken into consideration when you quote your car insurance policy. Some factors are common sense such as traffic violations, although some other factors are less apparent such as whether you are married or how financially stable you are.
Listed below are some of the most rate-impacting factors utilized by car insurance companies to help set your prices.
Battle of the sexes – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Males and females are in auto accidents at about the same rate, but guys cause more damage. They also receive more major tickets such as DWI and reckless driving. Young males cause the most accidents and therefore are the most expensive to insure.
The chart below compares Nissan Armada annual premium costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
High physical damage deductibles cost less – Physical damage deductibles tell how much the insured will be required to pay before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be rear-ending another vehicle, animal collisions, or theft of your vehicle. The more damage repair cost the insured has to pay upfront, the less your company will charge you for insurance.
Save by driving safer vehicles – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Nissan Armada scored at minimum four stars on Safercar.gov it may cost less to insure.
Costs impacted by your city – Choosing to live in a small town is a good thing when insuring your vehicles. Drivers in populated areas have more aggressive driving styles and higher rates of accident claims. Lower population means fewer accidents in addition to lower liability claims.
Infrequent drivers can save – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. A lot of companies charge rates determined by how the vehicle is used. Cars left parked in the garage receive lower rates than those used for commuting. A policy that improperly rates your Armada may be costing you higher rates. Double check that your insurance coverage states how each vehicle is driven, because it can save money.
Don’t skimp on liability protection – Your insurance policy’s liability coverage will afford coverage if you are found liable for damages caused by your negligence. Your liability coverage provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not skimp.
Never let your insurance policy expire – Going without insurance is a fast way to increase your renewal premiums. Not only will rates go up, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
Your career may increase rates – Careers like judges, architects, and stock brokers generally pay higher rates than average attributed to intense work situations and extremely grueling work hours. On the other hand, occupations such as actors, engineers and performers have lower than average premiums.
Insurance loss statistics a Nissan Armada – Insurance companies analyze past claim statistics to calculate a rate that will offset losses. Vehicles that the data determines to have higher loss trends will have higher premium rates.
The table below shows the loss history for Nissan Armada vehicles. For each insurance policy coverage type, the claim probability for all vehicles as a whole equals 100. Values under 100 indicate a favorable loss history, while numbers above 100 point to more losses or an increased likelihood of larger losses.
| Specific Nissan Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Armada 4dr 2WD | 94 | 104 | 93 | 106 | 87 | |
| Nissan Armada 4dr 4WD | 123 | 120 | 109 | 91 | 69 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The method we recommend to compare policy rates for Nissan Armada insurance in Las Vegas is to take advantage of the fact car insurance companies actually pay money for the chance to give free rates quotes. All consumers are required to do is spend a couple of minutes providing details like the make and model of your vehicles, any included safety features, if a SR-22 is needed, and if you have a valid license. Your information is instantly sent to insurance companies and you should receive rate quotes instantly to find the best rate.
To compare cheaper Nissan Armada insurance rates now, click here and enter your coverage details.
The companies shown below can provide price quotes in Las Vegas, NV. To locate cheap auto insurance in Nevada, we suggest you click on several of them to find the cheapest car insurance rates.
Facts and figures for Nissan Armada insurance
The premium information displayed below showcases detailed analysis of policy rates for Nissan Armada models. Learning how auto insurance premiums are established can help drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $250 | $324 | $344 | $20 | $102 | $1,040 | $87 |
| Armada SE 4WD | $250 | $382 | $344 | $20 | $102 | $1,098 | $92 |
| Armada Titanium 2WD | $250 | $382 | $344 | $20 | $102 | $1,098 | $92 |
| Armada Titanium 4WD | $250 | $382 | $344 | $20 | $102 | $1,098 | $92 |
| Armada Platinum 2WD | $250 | $382 | $344 | $20 | $102 | $1,098 | $92 |
| Armada Platinum 4WD | $278 | $382 | $344 | $20 | $102 | $1,126 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can alter premium rates significantly.
Where to set your deductibles
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The following insurance rates can help you visualize the rate fluctuation of buying low and high coverage deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $300 | $478 | $262 | $16 | $78 | $1,159 | $97 |
| Armada SE 4WD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Armada Titanium 2WD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Armada Titanium 4WD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Armada Platinum 2WD | $300 | $564 | $262 | $16 | $78 | $1,245 | $104 |
| Armada Platinum 4WD | $334 | $564 | $262 | $16 | $78 | $1,279 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $166 | $252 | $262 | $16 | $78 | $774 | $65 |
| Armada SE 4WD | $166 | $298 | $262 | $16 | $78 | $820 | $68 |
| Armada Titanium 2WD | $166 | $298 | $262 | $16 | $78 | $820 | $68 |
| Armada Titanium 4WD | $166 | $298 | $262 | $16 | $78 | $820 | $68 |
| Armada Platinum 2WD | $166 | $298 | $262 | $16 | $78 | $820 | $68 |
| Armada Platinum 4WD | $184 | $298 | $262 | $16 | $78 | $838 | $70 |
| 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, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in vehicle location which can increase or decrease rates significantly.
We can estimate from the data above that using a $100 deductible will cost you roughly $35 more each month or $420 every year than requesting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 26 months between claim filings, you would probably save some money if you opt for a higher deductible. Here’s how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $1,000 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
The illustration below illustrates how choosing a deductible and can increase or decrease Nissan Armada insurance premiums for different categories of driver ages. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Why you need Nissan vehicle insurance in Nevada
Despite the high cost, paying for auto insurance is most likely required but also gives you several important benefits.
- Just about all states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance coverage if you don’t want to risk a ticket. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it’s most likely the lender will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may insure your Nissan at a more expensive rate and require you to pay for the much more expensive policy.
- Insurance safeguards both your Nissan Armada and your assets. Insurance will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance outweigh the cost, especially if you ever need it. Despite what companies tell you, the average driver is overpaying more than $800 each year so it’s recommended you shop around each time the policy renews to make sure the price is not too high.
Cheaper rates with discounts
Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so here is a list a few of the more well known in addition to some of the lesser obvious credits available to you.
- Bundle and Save – If you have multiple policies and insure them both with the same insurance company you will save as much as 10 to 15 percent.
- Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
- Drive Less and Save – Maintaining low annual mileage can qualify you for cheaper rates.
- No Claims – Insureds with no claims or accidents pay less as compared to drivers who are more careless.
- Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
- Smart Student Discounts – Being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- Active Military Service – Being deployed with a military unit may qualify for rate reductions.
- Multi-line Discount – Insurance carriers who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
Please keep in mind that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works.
The information below visualizes the comparison of Nissan Armada car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no claims or driving violations, Nevada state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-policy, and multi-car discounts applied.
Popular insurance companies and the discounts they provide are included below.
- State Farm has savings for Steer Clear safe driver discount, multiple autos, Drive Safe & Save, anti-theft, good student, and student away at school.
- American Family may offer discounts for Steer into Savings, defensive driver, air bags, good student, accident-free, good driver, and early bird.
- GEICO offers discounts for anti-theft, air bags, seat belt use, emergency military deployment, membership and employees, and five-year accident-free.
- 21st Century may include discounts for anti-lock brakes, good student, student driver, air bags, homeowners, and early bird.
- Progressive discounts include continuous coverage, homeowner, good student, multi-policy, and online quote discount.
Before you buy a policy, ask each company which credits you are entitled to. All car insurance discounts might not apply in your state. If you would like to choose from a list of providers who offer cheap Nissan Armada insurance quotes in Las Vegas, follow this link.
Insurance agent or online?
Certain consumers prefer to visit with an insurance agent and that can be a great decision Most agents can answer important questions and will help you if you have claims. The biggest benefit of comparing rates online is the fact that you can find the best rates and also buy local.
To find an agent, once you fill out this quick form, the coverage information is sent to companies in Las Vegas who want to provide quotes for your car insurance coverage. You don’t have to contact an agency since rate quotes are delivered to you. If you want to compare rates from a particular provider, you just need to go to their quote page and give them your coverage information.
Finding the right insurance company requires you to look at more than just a low price. Below are some questions you should ask.
- Does the agency provide any after hours assistance?
- Will they give you a referral list?
- Do they feel the quoted coverages are adequate?
- What is the financial rating for the quoted company?
- Who are their largest clients?
- Do they get extra compensation for selling add-on coverages?
Do you need an independent or exclusive car insurance agent?
If you would like to find local Las Vegas agents, it helps to know the two types of insurance agents and how they are slightly different. Car insurance agencies are categorized either exclusive or independent agents depending on their company appointments. Both types of agents can provide car insurance policies, but it is a good idea to know the subtle differences since it can affect which agent you choose.
Exclusive Car Insurance Agencies
Agents of this type can only provide pricing for a single company and some examples include Farmers Insurance or State Farm. Exclusive agents are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are trained well on what they offer and that allows them to sell at a higher price point.
Below is a short list of exclusive agencies in Las Vegas willing to provide price quote information.
Juan Diaz – State Farm Insurance Agent
1718 S Eastern Ave – Las Vegas, NV 89104 – (702) 489-4242 – View Map
GEICO Insurance Agent
3315 W Craig Rd #110 – North Las Vegas, NV 89032 – (702) 643-0057 – View Map
Tom Ferrier – State Farm Insurance Agent
7528 Westcliff Dr – Las Vegas, NV 89145 – (702) 255-7770 – View Map
Independent Agents
Agents in the independent channel are not limited to a single company and that enables them to quote your coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move your policy to a different company and you won’t have to switch agencies. If you are trying to find cheaper rates, we recommend you get quotes from at least one independent agent to have the best price comparison.
Shown below are Las Vegas independent insurance agents that can give you price quotes.
Nationwide Insurance: The Delbrocco Agency
5150 Spring Mountain, Unit 11 – Las Vegas, NV 89146 – (702) 730-0009 – View Map
Leavitt Group – Leavitt Insurance Agency
7881 W Charleston Blvd #140 – Las Vegas, NV 89117 – (702) 382-4010 – View Map
Desert Shores Insurance Services
3211 N Tenaya Way #115 – Las Vegas, NV 89129 – (702) 363-8040 – View Map
Once you have positive responses to any questions you may have and a low price estimate, most likely you have located an auto insurance agent that can be trusted to insure your vehicles. Just understand that you are entitled to cancel a policy whenever you want so don’t feel you are locked into any particular company with no way to switch.
Best auto insurance in Las Vegas
Choosing a highly-rated car insurance company can be difficult considering how many different insurance companies sell coverage in Las Vegas. The company ratings shown next may help you pick which auto insurance companies to look at shopping your coverage with.
Top 10 Las Vegas Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Las Vegas Car Insurance Companies Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
Situations that may require an agent’s advice
When selecting the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.
For example, these questions can aid in determining whether or not you might need an agent’s assistance.
- Is a driver training discount available?
- Will I lose any money if I cancel my policy before it expires?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is the difference between personal and commercial auto insurance policies?
- What is the difference between comprehensive and collision coverage?
- What is high-risk coverage and where do I buy it?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
In conclusion
Drivers who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, lack of trust in their agent or even poor customer service. Whatever your reason, finding a great new company can be easy and end up saving you some money.
We just covered a lot of information how to reduce Nissan Armada insurance premium rates online in Las Vegas. The most important thing to understand is the more times you quote, the better likelihood of getting low cost Las Vegas auto insurance quotes. You may even be surprised to find that the biggest savings come from the least-expected company.
Cost effective Nissan Armada insurance can be purchased from both online companies and also from your neighborhood Las Vegas agents, so get free Las Vegas auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer internet price quotes and most of the time these small insurance companies sell through local independent agents.
For more information, feel free to browse the articles below:
- Help Your Teen Be a Better Driver (State Farm)
- What Insurance is Cheapest for Good Students in Las Vegas? (FAQ)
- What Car Insurance is Cheapest for a Toyota Tacoma in Las Vegas? (FAQ)
- How Much are Car Insurance Quotes for Uninsured Drivers in Las Vegas? (FAQ)
- Who Has the Cheapest Auto Insurance for a Toyota RAV4 in Las Vegas? (FAQ)
- Who Has Affordable Las Vegas Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)