Really, the only way to find more affordable auto insurance rates in Henderson is to compare prices regularly from insurance carriers who can sell car insurance in Nevada. You can shop around by completing these steps.
- Read about how your policy works and the measures you can take to prevent rate increases. Many rating criteria that cause high rates like traffic violations, accidents, and a substandard credit score can be eliminated by being financially responsible and driving safely. Continue reading for additional tips to keep prices down and earn a bigger discount.
- Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
- Compare the new rates to your existing policy and determine if there is any savings. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
A key point to remember is to try to use the same liability limits and deductibles on each quote and to quote with as many different companies as possible. Doing this ensures an apples-to-apples comparison and a thorough selection of prices.
Regrettably, about 70% of customers kept buying from the same company for four years or more, and almost 40% of drivers have never compared rate quotes at all. U.S. drivers could pocket roughly $850 a year just by comparing rates, but they just assume it’s a time-consuming process to compare rate quotes online.
The companies shown below offer price quotes in Nevada. To get cheap car insurance in Nevada, it’s highly recommended you compare several of them to get a more complete price comparison.
Facts and figures for Nissan Armada insurance
The data table displayed below showcases detailed analysis of insurance policy prices for Nissan Armada models. Learning as much as possible about how insurance quotes are formulated can assist in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $258 | $494 | $296 | $18 | $88 | $1,154 | $96 |
| Armada SE 4WD | $258 | $582 | $296 | $18 | $88 | $1,242 | $104 |
| Armada Titanium 2WD | $258 | $582 | $296 | $18 | $88 | $1,242 | $104 |
| Armada Titanium 4WD | $258 | $582 | $296 | $18 | $88 | $1,242 | $104 |
| Armada Platinum 2WD | $258 | $582 | $296 | $18 | $88 | $1,242 | $104 |
| Armada Platinum 4WD | $286 | $582 | $296 | $18 | $88 | $1,270 | $106 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in zip code location which can raise or lower auto insurance rates greatly.
Deductible analysis
When comparing auto insurance rates, the most common question is where to set your physical damage deductibles. The comparisons below may help to conceptualize the difference in cost when you choose different physical damage coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate chart uses a $500 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 | $218 | $324 | $262 | $16 | $78 | $898 | $75 |
| Armada SE 4WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Armada Titanium 2WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Armada Titanium 4WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Armada Platinum 2WD | $218 | $382 | $262 | $16 | $78 | $956 | $80 |
| Armada Platinum 4WD | $244 | $382 | $262 | $16 | $78 | $982 | $82 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can influence premium rates noticeably.
We can estimate from the data above that using a $100 deductible costs roughly $23 more each month or $276 each year than buying the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claim filings, you would save more money if you opt for a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $500 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
The diagram below demonstrates how choosing different deductibles and can affect Nissan Armada insurance costs for each age group. Data assumes a single female driver, full physical damage coverage, and no discounts are factored in.
Car insurance can get complicated
When buying insurance from an agent or online for your vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that.
These are some specific questions may help highlight whether or not you might need an agent’s assistance.
- What if an uninsured driver hits me?
- What are the financial responsibility laws in my state?
- Am I covered if I back into my garage door?
- Why are teen drivers so expensive to add on to my policy?
- Is my trailer covered?
- Is other people’s property covered if stolen from my vehicle?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I need higher collision deductibles?
- What does UM/UIM cover?
- Are rock chip repairs covered?
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.
Buying insurance from Henderson insurance agents
Certain consumers still prefer to have an agent’s advice and that is just fine! Agents are trained risk managers and help in the event of a claim. A nice benefit of comparing insurance prices online is the fact that drivers can get lower rates and still have a local agent. Buying from and supporting local insurance agencies is important particularly in Henderson.
To find an agent, once you fill out this short form, your information is sent to insurance agents in Henderson that provide free Henderson auto insurance quotes to get your business. You won’t even need to leave your computer since price quotes are sent to you. If for some reason you want to get a rate quote from a particular provider, feel free to navigate to their website and complete a quote there.
Not all auto insurance agents are the same
When looking for a reliable insurance agency, it’s helpful to know the types of agencies and how they are slightly different. Agents can be described as either independent agents or exclusive agents. Both can insure your vehicles, but we need to point out how they differ since it can impact which type of agent you select.
Independent Agents
Independent agencies are not limited to a single company so as a result can place your coverage with an assortment of companies and get you the best rates possible. If you want to switch companies, they can switch companies in-house and that require little work on your part.
If you are comparing insurance prices, it’s a good idea to contact independent agents to have the most options to choose from.
The following is a partial list of independent agents in Henderson who may provide free price quotes.
American National Insurance Morgan Agency LLC, Jarod Morgan
1120 Wigwam Pkwy #100 – Henderson, NV 89052 – (702) 430-7764 – View Map
High Desert Insurance Agency
140 E Horizon Dr – Henderson, NV 89015 – (702) 558-8587 – View Map
All Nevada Insurance
10624 S Eastern Ave # L – Henderson, NV 89052 – (800) 701-5909 – View Map
Exclusive Agencies
Exclusive agencies have only one company to place business with like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point.
Shown below are exclusive insurance agents in Henderson willing to provide price quote information.
Leon Pearson Jr – State Farm Insurance Agent
1730 W Horizon Ridge Pkwy #110 – Henderson, NV 89012 – (702) 457-0306 – View Map
Carol Drake – State Farm Insurance Agent
1913 N Green Valley Pkwy – Henderson, NV 89074 – (702) 361-0300 – View Map
Lisa Downer – State Farm Insurance Agent
1450 W Horizon Ridge Pkwy b302 – Henderson, NV 89012 – (702) 492-6287 – View Map
Finding the right car insurance agent should depend on more than just the premium amount. Here are some questions you should ask.
- Are they paid to recommend certain coverages?
- How long has the business existed?
- Does the agency have a positive business rating?
- Is the agent CPCU or CIC certified?
- Do the coverages you’re quoting properly cover your vehicle?
- Which insurance companies are they affiliated with?
- Does the agent have a valid license to sell insurance in Nevada?
What is the best auto insurance company in Nevada?
Finding a high-quality insurer can be rather challenging considering how many companies there are in Nevada. The company information below could help you select which companies to look at when shopping your coverage around.
Top 10 Henderson 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 Henderson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+