Want to learn how to find low-cost Nissan GT-R insurance in Las Vegas? Finding cheaper insurance for your Nissan GT-R in Nevada could be difficult, but you can learn the following methods to make it easier.
There are both good and bad ways to buy car insurance and we'll show you the proper way to quote coverages on a Nissan and find the lowest possible price either online or from Las Vegas insurance agents.
A study showed that almost 70% of drivers in Nevada have bought car insurance from the same company for at least the last four years, and nearly half have never taken the time to shop around. American drivers could save themselves as much as $859 a year by just shopping around, but they just don't understand the amount of savings they would get if they switched.
The quickest method we recommend to compare rates for Nissan GT-R insurance in Las Vegas is to know the trick most insurance companies actually pay money for the chance to give free rates quotes. All you need to do is provide a little information including the year, make and model of vehicles, how many miles driven, deductibles desired, and what your job is. The rating information is submitted instantly to insurance carriers in your area and you receive quotes quickly.
To check rates for your Nissan GT-R now, click here and complete the form.
The companies in the list below offer comparison quotes in Las Vegas, NV. If several companies are displayed, we recommend you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|GT-R Premium AWD 2-Dr||$232||$590||$340||$20||$102||$1,284||$107|
|GT-R AWD 2-Dr||$418||$1120||$340||$20||$102||$2,000||$167|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location information which can influence premiums considerably.
Reckless driving habits raise auto insurance rates
The example below illustrates how violations and at-fault claims drive up Nissan GT-R insurance rates for different insured age categories. The costs are based on a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Nissan GT-R insurance rates by gender
The information below shows the comparison of Nissan GT-R insurance premiums for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Lower-cost Nissan GT-R insurance in Las Vegas
The cost of insuring your cars can be expensive, but you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked for before you get the savings.
- Federal Government Employee - Active or retired federal employment may qualify for a discount when you quote Las Vegas auto insurance with certain companies.
- Military Discounts - Being on active deployment in the military can result in better prices.
- Discounts for Safe Drivers - Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- ABS Brakes - Vehicles with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
- Onboard Data Collection - Drivers that enable driving data collection to spy on driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
- Memberships - Participating in qualifying employment or professional organizations could trigger savings when shopping for insurance.
- Driver Training Discounts - Passing a defensive driver course can save you 5% or more and easily pay for the cost of the class.
- Low Mileage Discounts - Driving fewer miles could qualify for lower insurance rates on the low mileage vehicles.
- Seat Belt Discounts - Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
As a footnote on discounts, most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way. But any discount should help lower the cost of coverage.
To see insurance companies that offer discounts in Las Vegas, follow this link.
What if I want to buy from local Las Vegas car insurance agents?
Many people would prefer to have an agent's advice and that is a personal choice. Most agents can point out coverage gaps and help file insurance claims. An additional benefit of price shopping on the web is that drivers can save money and get lower rates but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is important especially in Las Vegas.
Once you complete this form (opens in new window), your information is transmitted to insurance agents in Las Vegas who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to do any legwork because quoted prices will be sent to you directly. In the event you want to get a price quote from one company in particular, don't hesitate to jump over to their website and give them your coverage information.
The different types of auto insurance agents
When finding a local Las Vegas insurance agent, there are two types of insurance agents and how they are slightly different. Auto insurance agents are considered either independent or exclusive. Both types can provide auto insurance policies, but it's worth learning the difference in how they write coverage because it may have an impact on buying decisions.
Independent Auto Insurance Agents (or Brokers)
These type of agents are not employed by any specific company so they have the ability to put coverage with lots of companies and find the cheapest auto insurance rates. If your agent finds better pricing, your agent can switch companies which is easy for the insured. When comparing rate quotes, you should always get some free quotes from independent agents in order to have the best price comparison. They often place coverage with smaller regional carriers that may provide cheaper auto insurance rates.
Shown below is a partial list of independent insurance agencies in Las Vegas who can help you get pricing information.
- Balsiger Insurance
3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map
- Las Vegas Auto Insurance
1953 N Decatur Blvd - Las Vegas, NV 89108 - (702) 570-5777 - View Map
- Insurance Group of Nevada
US Bank Financial Center, 2300 West Sahara Avenue, Suite 800 - Las Vegas, NV 89102 - (702) 996-6434 - View Map
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are trained well on what they offer and that enables them to sell even at higher rates. Some insured continue to use the same exclusive agent partially due to the brand rather than low price.
Shown below is a list of exclusive insurance agents in Las Vegas that are able to give price quote information.
- State Farm Insurance: Nancy Kim
2213 Paradise Rd - Las Vegas, NV 89104 - (702) 685-4888 - View Map
- Juan Diaz State FarmÂ®
352 S Jones Blvd - Las Vegas, NV 89107 - (702) 870-0444 - View Map
- Gary Gibson - State Farm Insurance Agent
Ste B3, 3220 S Durango Dr - Las Vegas, NV 89117 - (702) 901-8787 - View Map
Finding a good auto insurance agent should include more criteria than just a low price. Below are some questions you should ask.
- Can you contact them at any time?
- Do they assist clients in filing claims?
- Do they have 24-hour customer assistance?
- Is their price quote a firm figure or are their hidden costs?
- How much can you save by raising your physical damage deductibles?
- Are they giving you every discount you deserve?
- Are they primarily personal or commercial lines agents in Las Vegas?
How do I know if I need professional advice?
When buying insurance from an agent or online, there really isn't a one size fits all plan. You are unique.
For example, these questions may help you determine if your situation would benefit from professional advice.
- What does PIP insurance cover?
- Does my medical payments coverage pay my health insurance deductible?
- Does having multiple vehicles earn me a discount?
- If I use my vehicle for business use is it covered?
- Why am I required to get a high-risk car insurance policy?
- Are there any extra discounts I can get?
- Why are teen drivers so expensive to add on to my policy?
- Is pleasure use cheaper than using my Nissan GT-R to commute?
- How much underlying liability do I need for an umbrella policy?
- How can I get my company to pay me more for my totalled car?
If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can help protect your family.
What Determines Nissan GT-R Insurance Costs?
One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that come into play when calculating the price you pay for auto insurance. If you have a feel for what controls the rates you pay, this enables informed choices that could result in better auto insurance rates. Many different elements are part of the calculation when you get a price on insurance. Some are pretty understandable like your driving record, but some are less apparent such as your credit history or your vehicle rating.
Save money with higher coverage deductibles - Insurance for physical damage, also called 'full coverage', helps pay for damage to your vehicle. Some coverage claims are a broken side mirror, hitting a deer, and windstorm damage. Physical damage deductibles define how much you are required to spend out-of-pocket before a claim is paid by your company. The more the insured has to pay upfront, the less your auto insurance will be.
Single drivers take more risk - Having a wife or husband can actually save you money on auto insurance. Having a significant other usually means you are more mature than a single person and it's statistically proven that married drivers tend to file fewer claims.
More performance means more cost - The performance of the car you drive makes a big difference in how high your rates are. Because the Nissan GT-R is considered a sport coupe, insuring your vehicle will cost much more than the average rate where you live in Las Vegas. Smaller low performance passenger cars usually are quite affordable to insure, but your final cost has many other factors.
Your location is a factor - Living in areas with lower population is a positive aspect when shopping for auto insurance. Fewer drivers on the road translates into fewer accident claims as well as less vandalism and auto theft. Urban drivers tend to have much more traffic and longer commutes to work. More time behind the wheel means higher likelihood of an accident.
Premiums are high for teenagers - Teenage drivers in Nevada tend to be easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. If you've ever had to add a beginning driver onto a policy will cause a huge premium hike. Older drivers are viewed as being more responsible, tend to file fewer claims, and are safer drivers.
Low stress vocation equals lower prices - Careers such as doctors, business owners and dentists generally have higher rates than the rest of us because of intense work-related stress and lengthy work days. Conversely, jobs such as actors, historians and performers receive lower rates.
Your car's features help determine auto insurance rates - Owning a car that has a built-in theft deterrent system can earn a premium discount. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.
Premiums also based on gender - Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that females are better at driving than males. Males and females cause at-fault accidents at about the same rate, but the men have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI). Teenage male drivers are the most expensive to insure so it costs more to insure them.
Loss probability for a Nissan GT-R - Insurers include the past claim history for a vehicle in order to profitably underwrite each model. Models that tend to have higher prevalence or dollar amount of losses will have higher rates for specific coverages. The table below demonstrates the historical insurance loss data for Nissan GT-R vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 indicate a favorable loss history, while values that are above 100 point to more frequent losses or a tendency for claims to be larger.
Insurance Loss Ratings for Nissan GT-R Vehicles
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan GT-R 2dr 4WD||373||82||317|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance is not optional
Even though it's not necessarily cheap to insure a Nissan in Las Vegas, insurance is required in Nevada but also provides important benefits.
First, almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability in order to get the vehicle licensed. 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.
Second, if your GT-R has a lienholder, most banks will require you to buy insurance to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender may have to buy a policy to insure your Nissan for a much higher rate and force you to pay for the much more expensive policy.
Third, insurance safeguards both your car and your personal assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your policy will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the price paid, especially for larger claims. On average, a vehicle owner in Las Vegas is currently overpaying as much as $869 every year so compare rate quotes once a year at a minimum to ensure rates are inline.
The cheapest Nissan GT-R insurance in Las Vegas can be sourced online as well as from insurance agents, so you need to quote Las Vegas auto insurance with both to get a complete price analysis. Some insurance companies do not provide rates over the internet and these smaller companies prefer to sell through independent insurance agencies.
As you prepare to switch companies, don't be tempted to skimp on coverage in order to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.
Consumers who switch companies do it for many reasons like questionable increases in premium, policy cancellation, high prices and delays in paying claims. It doesn't matter why you want to switch finding a new auto insurance company is actually quite simple.
More information can be read at the links below
- Booster Seat Ratings (iihs.org)
- How Much is Auto Insurance with Multiple Speeding Tickets in Nevada? (FAQ)
- What Car Insurance is Cheapest in Spanish Springs, Nevada? (FAQ)
- What Auto Insurance is Cheapest for Unemployed Drivers in Nevada? (FAQ)
- How Much is Nevada Auto Insurance for Real Estate Agents? (FAQ)
- How Much is Nevada Auto Insurance for Low Credit Scores? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What is a Telematics Device? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)