It’s hard to believe, but the vast majority of auto insurance customers have bought auto insurance from the same company for well over three years, and just short of a majority have never shopped around. The average driver in Nevada could cut their rates by $545 a year by just comparing rate quotes, but they don’t know how much money they would save if they bought a different policy.
If saving money is your primary concern, then the best way to get discount Nissan cube insurance in Las Vegas is to begin comparing prices regularly from providers who provide car insurance in Nevada.
Step 1: Try to comprehend what coverages are included in your policy and the things you can control to prevent rate increases. Many factors that cause high rates like your driving record and poor credit history can be controlled by making minor driving habit or lifestyle changes. This article gives additional ideas to get lower rates and earn a bigger discount.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple companies. Click to view companies
Step 3: Compare the new quotes to your existing policy and determine if cheaper cube coverage is available in Las Vegas. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current agent or company of your decision to cancel your current car insurance policy and submit any necessary down payment along with the completed application to the new company. Don’t forget to store the proof of insurance paperwork in an accessible location in your vehicle.
A good tip to remember is to make sure you’re comparing identical coverages on every quote and and to look at as many different insurance providers as possible. This provides a level playing field and the best price selection.
Buying the cheapest auto insurance in Las Vegas seems hard but is not really that difficult. If you have coverage now or just want to save money, you can use this information to find the best rates and still have adequate protection. Smart buyers just need to know the quickest method to get comparison quotes from many different companies.
The best way we recommend to compare policy rates for Nissan cube insurance in Las Vegas takes advantage of the fact car insurance companies actually pay money for the chance to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details like whether you are single or married, if your license is active, how old drivers are, and how much coverage you want. That rating information is submitted instantly to multiple top-rated companies and you should receive rate quotes immediately.
If you would like to compare rates now, click here and find out if lower rates are available in Las Vegas.
The companies shown below have been selected to offer price comparisons in Nevada. If you want cheap car insurance in Nevada, it’s a good idea that you visit two to three different companies to get the most competitive price.
You may qualify for discounts for Nissan cube insurance in Las Vegas
Companies don’t list every possible discount very clearly, so we break down a few of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Las Vegas auto insurance online.
- Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
- Anti-lock Brake System – Cars and trucks with ABS and/or traction control are safer to drive and therefore earn up to a 10% discount.
- Safe Driver Discount – Insureds without accidents could pay up to 40% less than their less cautious counterparts.
- Las Vegas Homeowners Discount – Just being a homeowner can earn you a little savings because it is proof that your finances are in order.
- Switch and Save Discount – A few car insurance companies offer discounts for signing up early. This discount can save up to 10%.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
- Distant Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
- Senior Citizens – Mature drivers can get lower premium rates.
Discounts lower rates, but most credits do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.
The information below shows the difference between Nissan cube insurance rates with and without discounts applied. The premium estimates are based on a female driver, no claims or driving citations, Nevada state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.
A few popular companies and some of their more popular discounts are detailed below.
- Mercury Insurance may offer discounts for good driver, multi-policy, age of vehicle, accident-free, and professional/association.
- Farmers Insurance policyholders can earn discounts including business and professional, mature driver, electronic funds transfer, multi-car, teen driver, youthful driver, and bundle discounts.
- Farm Bureau may include discounts for multi-vehicle, 55 and retired, driver training, multi-policy, good student, renewal discount, and youthful driver.
- State Farm offers discounts including good driver, safe vehicle, Drive Safe & Save, driver’s education, and defensive driving training.
- Allstate discounts include auto/life discount, early signing, senior citizen, eSmart discount, anti-theft, and FullPay discount.
- GEICO may have discounts that include defensive driver, five-year accident-free, daytime running lights, multi-policy, and seat belt use.
When getting free Las Vegas auto insurance quotes, it’s a good idea to all companies you are considering what discounts are available to you. Some discounts listed above might not apply in Las Vegas. If you would like to see a list of providers that offer the discounts shown above in Las Vegas, click here to view.
Nissan cube insurance statistics and information
The coverage table shown next highlights estimates of policy rates for Nissan cube models. Having a good grasp of how auto insurance prices are calculated can be useful when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $210 | $362 | $318 | $18 | $96 | $1,004 | $84 |
| Cube S 2WD | $242 | $362 | $318 | $18 | $96 | $1,036 | $86 |
| Cube SL 2WD | $242 | $440 | $318 | $18 | $96 | $1,114 | $93 |
| Cube Krom 2WD | $272 | $520 | $318 | $18 | $96 | $1,224 | $102 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can decrease or increase premium rates considerably.
Raise deductibles and save
One common question asked by Las Vegas drivers is which deductible level should you buy. The rates shown below can help show the rate fluctuation when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $208 | $330 | $308 | $18 | $92 | $981 | $82 |
| Cube S 2WD | $238 | $330 | $308 | $18 | $92 | $1,011 | $84 |
| Cube SL 2WD | $238 | $402 | $308 | $18 | $92 | $1,083 | $90 |
| Cube Krom 2WD | $268 | $472 | $308 | $18 | $92 | $1,183 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cube 2WD | $168 | $266 | $308 | $18 | $92 | $852 | $71 |
| Cube S 2WD | $194 | $266 | $308 | $18 | $92 | $878 | $73 |
| Cube SL 2WD | $194 | $324 | $308 | $18 | $92 | $936 | $78 |
| Cube Krom 2WD | $218 | $382 | $308 | $18 | $92 | $1,018 | $85 |
| 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 homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific location information which can increase or decrease insurance rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $12 more each month or $144 for a full year averaged for all cube models than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claims, you would save more money going with the higher deductible.
The information below illustrates how choosing a deductible and can influence Nissan cube insurance costs for different age groups. The rates are based on a single male driver, comp and collision included, and no discounts are applied.
Impact of violations and accidents on rates
The chart below highlights how traffic violations and at-fault fender-benders influence Nissan cube premium costs for different age groups. Data assumes a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
Annual premiums for males versus females in Las Vegas
The illustration below shows the difference between Nissan cube insurance costs for male and female drivers. The information is based on no violations or accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Full coverage versus liability only rates
The information below illustrates the difference between Nissan cube insurance rates with and without full coverage. The costs are based on no claims or driving citations, $500 deductibles, drivers are single, and no other discounts are factored in.
When to drop comprehensive and collision
There is no written rule that works best for making the decision to drop physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Nissan cube settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your deductible. If you are paying in excess of $500 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.
Lower Your Las Vegas Insurance Costs
Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but others are less apparent such as your credit history or your commute time.
The list below includes some of the most common factors used by your company to calculate rates.
Eliminate unneeded extra coverages – Insurance companies have many additional extra coverages that you can buy when buying auto insurance. Coverages like replacement cost coverage, better glass coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea when discussing your needs, but if you don’t need them consider taking them off your policy.
Cheaper rates by combining – Most larger auto insurance companies allow lower prices to insureds that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal.There is a chance you can save more without the discount by splitting coverages up.
Use but don’t abuse your insurance – If you’re an insured who likes to file claims you should expect much higher rates or policy non-renewal. Companies in Nevada generally give better rates to drivers who file claims infrequently. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Liability coverage limits on your policy – Liability insurance provides coverage when you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
Excellent credit scores equal low costs – Having a bad credit score will be a significant factor in calculating your auto insurance rates. So if your credit score can be improved, you could potentially save money when insuring your Nissan cube by spending a little time repairing your credit. Insureds with very good credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Premiums are impacted by vehicle performance – The performance level of the vehicle you are buying insurance for makes a significant difference in how high your rates are. Lower cost passenger vehicles usually have the lowest premiums, but other factors influence the final cost greatly.
The following data is based on a single male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Nissan cube car insurance rates compared to other makes and models that have a range of risk factors.
Local Las Vegas auto insurance agents and auto insurance
Some people would prefer to sit down and talk to an agent and that is a smart decision Professional insurance agents can help determine the best coverages and help file insurance claims. One of the benefits of comparing rates online is that you can find the best rates and still have a local agent.
After filling out this short form, your insurance coverage information is transmitted to participating agents in Las Vegas who will give you bids for your business. You won’t even need to contact an agency since rate quotes are delivered to you directly. If you want to compare prices for a specific company, don’t hesitate to find their quoting web page and fill out their quote form.
Choosing the best insurance company requires more thought than just a cheap quote. Any agent in Las Vegas should be willing to answer these questions.
- Will they make sure you get an adequate claim settlement?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will the agent or a CSR service your policy?
- Do they see any coverage gaps in your plan?
- Do they make recommendations based only on price?
- Do the companies they represent have a solid financial rating?
Best car insurance agent in Las Vegas
When finding a local Las Vegas insurance agency, it’s important to understand the types of agencies from which to choose. Auto insurance agencies are considered either independent or exclusive depending on the company they work for. Either one can write auto insurance policies, but we need to point out how they are different because it may have an impact on your agent selection.
Exclusive Agencies
These agents generally can only insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to compare other company’s rates so always compare other rates. Exclusive agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates.
Shown below is a short list of exclusive insurance agencies in Las Vegas that can give you comparison quotes.
Ron Reedom – State Farm Insurance Agent
1943 N Nellis Blvd – Las Vegas, NV 89115 – (702) 459-9546 – View Map
Allstate Insurance: Sergio A Chavez
4676 W Charleston Blvd – Las Vegas, NV 89102 – (702) 462-9100 – View Map
LaDonna Koeller – State Farm Insurance Agent
4275 N Rancho Dr #155 – Las Vegas, NV 89130 – (702) 636-9447 – View Map
Independent Agents
Independent agents do not write with just one company so as a result can place your coverage with many different companies and help determine which has the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house and the insured can keep the same agent. If you need lower rates, you need to get some free quotes from multiple independent agents to have the best price comparison.
The following is a list of independent insurance agencies in Las Vegas who can help you get rate quotes.
Harrison Insurance Agency
724 S 9th St – Las Vegas, NV 89101 – (702) 648-1634 – View Map
A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 – View Map
AmeriSent Insurance
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400 – View Map
Once you have received acceptable answers to all your questions and a good coverage price, you may have found an insurance agency that meets the requirements to properly insure your vehicles. Just keep in mind once you purchase a policy you can cancel your coverage any time you want so don’t think that you are obligated to any specific company for the full term.
What insurance coverages do I need?
Always keep in mind that when comparing coverage for your vehicles, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that
These are some specific questions can aid in determining if your insurance needs could use an agent’s help.
- What is an umbrella policy?
- What is an adequate liability insurance limit?
- What is no-fault insurance?
- Does insurance cover damages from a DUI accident?
- Does low annual mileage earn a discount?
- Am I insured when driving a different vehicle?
- When does my teenage driver need to be added to my policy?
- Which is better, split liability limits or combined limits?
- How can I force my company to pay a claim?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
What is the best auto insurance company in Las Vegas?
Picking the highest-rated car insurance provider is hard considering how many companies are available to choose from in Las Vegas. The company ratings listed below may help you decide which auto insurers you want to consider comparing rates 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
Quote more to save more
When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your objective should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.
Lower-priced insurance in Las Vegas can be sourced from both online companies and with local Las Vegas insurance agents, so you need to quote Las Vegas auto insurance with both to get a complete price analysis. Some insurance companies may not have rates over the internet and most of the time these smaller providers only sell through independent agencies.
Additional detailed information is available in these articles:
- Collision Coverage (Liberty Mutual)
- Who Has Affordable Car Insurance Quotes for Young Drivers in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Ford Explorer in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance for a Hyundai Sonata in Las Vegas? (FAQ)
- What Insurance is Cheapest for Infrequent Drivers in Las Vegas? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Las Vegas? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Requiring a SR22 in Las Vegas? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)