Having to pay for high-priced Nissan Titan insurance in Las Vegas can deplete your savings account and make it impossible to make ends meet. Performing a price comparison is free and is an excellent way to cut your insurance bill.

Insurance quote for Nissan Titan in Las VegasA study showed that most consumers have bought auto insurance from the same company for over three years, and approximately 38% of consumers have never compared quotes from other companies. The average driver in Nevada could save themselves about 35% a year just by shopping around, but they assume it's a waste of time to compare rates. Big-name insurance companies like GEICO and Progressive constantly blast consumers with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

You should take the time to compare rates occasionally since insurance prices are usually higher with each renewal. Just because you found the best rate on Nissan Titan insurance in Las Vegas at your last renewal you will most likely find a better premium rate today. There is a lot of bad advice regarding Titan insurance online but we're going to give you some guaranteed methods to find affordable auto insurance in Las Vegas.

Finding more affordable insurance quotes is actually quite simple. The only thing you need to do is take a few minutes to compare rates from some recommended companies.

It's so easy to compare rates online that it takes the place of having to drive around to insurance agents' offices. The internet eliminates this option unless you have a complicated situation and need the professional assistance only provided by licensed agents. Although you can compare online quotes and still use a local agent.

The following companies provide price quotes in Las Vegas, NV. If several companies are displayed, it's a good idea that you click on several of them to get a more complete price comparison.

Nissan Titan Insurance Cost Estimates in Las Vegas, NV
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 $206 $334 $362 $22 $108 $1,032 $86
Titan XE Crew Cab 4WD $162 $290 $372 $22 $112 $958 $80
Titan SE King Cab 4WD $272 $440 $318 $18 $96 $1,144 $95
Titan XE Crew Cab 2WD $188 $334 $436 $26 $130 $1,114 $93
Titan SE King Cab 2WD $198 $298 $396 $24 $118 $1,034 $86
Titan SE Crew Cab 4WD $260 $464 $314 $18 $94 $1,150 $96
Titan Pro-4X King Cab 4WD $232 $464 $324 $20 $96 $1,136 $95
Titan SE Crew Cab 2WD $298 $582 $520 $30 $156 $1,586 $132
Titan Pro-4X Crew Cab 4WD $242 $468 $416 $24 $124 $1,274 $106
Titan LE Crew Cab 4WD $162 $342 $372 $22 $112 $1,010 $84
Titan LE Crew Cab 2WD $286 $582 $436 $26 $130 $1,460 $122
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in Las Vegas location which can lower or raise rates noticeably.

Rate difference between full and liability-only coverage

The example below shows the difference between Nissan Titan insurance premiums with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $250 deductibles, single female driver, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There isn't a written rule of when to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's say your Nissan Titan replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your policy deductible. If it's costing in excess of $200 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Yearly auto insurance costs for men versus women

The information below illustrates the difference between Nissan Titan premium costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Policy deductible comparison

When shopping for auto insurance, a common question is the level to set your comp and collision deductibles. The comparison tables below lay out the difference in cost when you select higher and lower physical damage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Nissan Titan insurance 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 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, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in Las Vegas location which can decrease or increase premium rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you about $24 more each month or $288 each year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 31 months between claim filings, you would more than likely save some money going with the higher deductible.

Why you need Nissan Titan insurance in Nevada

Despite the high cost of buying insurance for a Nissan Titan in Las Vegas, insurance may be mandatory for several reasons.

The benefits of buying enough insurance definitely exceed the price paid, especially if you ever need it. On average, a vehicle owner in Las Vegas overpays more than $825 a year so you should quote rates at least once a year to ensure rates are competitive.

How Your Titan Insurance Rates are Determined

A large part of saving on car insurance is knowing some of the elements that go into determining the price you pay for car insurance. If you have a feel for what determines base rates, this enables informed choices that may reward you with lower car insurance prices. Lots of things are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but some are more transparent such as whether you are married and annual miles driven.

Extra coverages you don't need - Insurance policies have a lot of additional extra coverages that can add up but may not be useful. Insurance for personal injury protection, death and dismemberment, and extra equipment coverage could be just wasting money. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.

Older drivers are lower risk - Older drivers are shown to be more cautious, statistically cause fewer accidents, and usually have better credit.Teen drivers are proven to be inattentive when behind the wheel so car insurance rates are higher.

Your job and car insurance rates - Did you know that where you work can have an impact on rates? Occupations like judges, executives and emergency personnel tend to pay higher rates than the rest of us attributed to high stress levels and incredibly demanding work hours. On the flip side, careers like farmers, students and the unemployed get better rates.

More policies can equal more savings - Lots of insurers afford a discount to insureds who carry more than one policy. It's known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even if you qualify for this discount already, consumers should still get quotes from other companies to help ensure you have the lowest rates.

Gender impacts rates - Statistics demonstrate women tend to be less risk to insure than men. This data doesn't prove that men are worse drivers. Both sexes get in auto accidents in similar percentages, but guys tend to have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.

Lower premiums with alarm systems - Owning a car with an alarm system can help bring down rates. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft and help lower rates.

Don't abuse car insurance claims - Car insurance companies in Nevada award better rates to insureds who are claim-free. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for larger claims.

Consider raising comp and collision deductibles - Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. Examples of some claims that would be covered could be a broken windshield, flood damage, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket if the claim is covered. The more damage repair cost the insured is willing to pay, the lower your rates will be.

Nissan Titan claim statistics - Insurance companies include the past claim history for a vehicle when they set coverage costs for each model. Models that tend to have increased claim numbers or amounts will have increased rates. The table below shows the compiled insurance loss statistics for Nissan Titan vehicles.

For each insurance policy coverage type, the loss probability for all vehicles compiled together equals 100. Values that are under 100 indicate a favorable loss history, while percentage numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.

Nissan Titan Insurance Loss Statistics

Vehicle 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 IIHS.org for 2013-2015 Model Years

Discounts can help lower rates on Nissan Titan insurance in Las Vegas

Auto insurance companies don't necessarily list all possible discounts in a way that's easy to find, so the list below details a few of the more common as well as some of the hidden savings tricks you should be using when you buy Las Vegas auto insurance online.Car insurance discounts

A quick disclaimer, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, you aren't that lucky.

Large car insurance companies and their offered discounts can be found below.

When quoting, ask each company which credits you are entitled to. Some credits may not be available in your area. To view car insurance companies that offer multiple discounts in Las Vegas, click this link.

Insurance agencies near you

Many people just want to sit down and talk to an agent and we recommend doing that Good insurance agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing insurance prices online is you may find lower car insurance rates and still choose a local agent.

For easy comparison, once you complete this quick form, your coverage information gets sent to local insurance agents in Las Vegas who want to provide quotes for your insurance coverage. There is no reason to find an agent as quotes are delivered immediately to your email address. If you wish to compare prices from a specific company, you can always go to their quote page and fill out the quote form the provide.

Finding the right company requires more thought than just a cheap price. Any agent in Las Vegas should be forthright in answering these questions:

When searching for a local Las Vegas insurance agent, it can be helpful to understand the different agency structures and how they can write your policy. Agents are either exclusive or independent (non-exclusive). Either can sell insurance policies, but it's worth mentioning how they are different since it can affect which agent you choose.

Exclusive Insurance Agencies

These type of agents work for only one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below is a short list of exclusive agents in Las Vegas who may provide you with price quotes.

4312 W Charleston Blvd - Las Vegas, NV 89102 - (702) 870-9298 - View Map

7455 W Azure Dr Suite 110 - Las Vegas, NV 89130 - (702) 562-7504 - View Map

3375 Glen Ave #10 - Las Vegas, NV 89121 - (702) 696-1606 - View Map

View more Las Vegas agents

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you don't have to switch agencies.

When shopping rates, you will definitely want to compare quotes from independent agents so that you can do a thorough price comparison.

Below is a short list of independent insurance agents in Las Vegas that are able to give comparison quotes.

1955 E Tropicana Ave h - Las Vegas, NV 89119 - (702) 518-6727 - View Map

1081 S Cimarron Rd, Ste B56 - Las Vegas, NV 89145 - (702) 613-0000 - View Map

4175 S Riley St #200 - Las Vegas, NV 89147 - (702) 597-5998 - View Map

View more Las Vegas agents

Once you have received good answers to any questions you may have as well as offering an affordable quote, it's possible that you found a car insurance agent that is professional and can properly insure your vehicles. Just remember it's your coverage and you can cancel coverage whenever you wish so never feel you're contractually obligated to a policy with no way to switch.

In conclusion

Low-cost Nissan Titan insurance in Las Vegas is possible online in addition to many Las Vegas insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don't offer online quoting and these small, regional companies only sell through independent agencies.

When you buy Las Vegas auto insurance online, don't be tempted to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

In this article, we presented some good ideas how to get a better price on Nissan Titan insurance in Las Vegas. The most important thing to understand is the more you quote Las Vegas auto insurance, the better chance you'll have of finding affordable Las Vegas auto insurance quotes. Consumers could even find that the lowest priced auto insurance comes from a small local company. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

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