Who Has the Cheapest Car Insurance Quotes for College Students in Nevada?

For students in college, one of the big factors that is used to calculate the cost of insurance is your address in Nevada. Areas with more people like Winchester, Sunrise Manor, and North Las Vegas will most likely have higher rates, whereas less populated areas tend to receive cheaper rates.

The table below displays the higher priced cities in Nevada for college students to buy an auto insurance policy in.

Annual rates are estimated as the specific geographic location can impact premium rates noticeably.

We all like different vehicles, and the type of vehicle driven is one of the main factors when consumers are trying to find the cheapest car insurance for college students in Nevada. Vehicles with lower acceleration and performance, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models. The information below shows insurance premiums for some of the more afforable vehicles to buy coverage for.

Data variables include single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location information which can raise or lower coverage prices significantly.

Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates greatly.

Data rating is based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in vehicle garaging location which can lower or raise premiums greatly.

Picking the best insurance company is difficult considering how many choices there are in Nevada. The company ratings displayed below can help you choose which coverage providers you want to consider comparing prices from.

The rankings below are for companies that write coverage in many states, so companies without a large exposure are not taken into consideration for this list. To check rates from these and other companies in Nevada, just click here.

Top 10 Large Auto Insurance Providers in Nevada Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. GEICO – 89%
7. The Hartford – 89%
8. The General – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

The information below shows how choosing a deductible can raise or lower insurance prices when getting quotes for cheap insurance for college students. The premiums assume a married male driver, full physical damage coverage, and no discounts are factored in.

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The data above shows that a 40-year-old driver could pocket $214 a year by increasing from a $100 deductible to a $500 deductible, or save $324 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates $714 every year by selecting a higher deductible.

When increasing deductibles, it’s a good idea to have enough funds in savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Allstate, Progressive, State Farm, and Geico: Who is best?

When it comes to car insurance, the four most popular companies are Allstate, Progressive, State Farm, and Geico. The following table breaks down some of the ratings and options shoppers can find with each company.

Cheapest insurance quotes for students in college

There are many ways to compare auto insurance prices in Nevada, but the most preferred are through an independent or non-exclusive agent, a captive (or exclusive) agency like State Farm or Liberty Mutual, or direct either online or via phone. You can use whichever method you prefer, but auto insurance shoppers should know the differences in how they work.

Independent agents can place your business with multiple companies and can get rate quotes from every one. Agents of this type are not locked into one company and can provide you with more rate quotes, which can help you get improved chances of finding a lower rate. If they quote lower rates, your policy is moved internally and you can keep the same agent.

A captive, or exclusive, agent is only able to give rates for a single insurance company like Liberty Mutual and Allstate agents. Exclusive agents are unable to provide multiple price quotes, so if their pricing is high, there is no alternative.

When you buy auto insurance direct, you forego local agents and buy from a direct company like Geico or Progressive. Shopping for auto insurance direct can be a good choice for people who do not need advice for risk management and have some degree of understanding of what specific coverages they need.

Which way is best to buy the cheapest car insurance for college students in Nevada? The obvious answer would be shopping direct saves money because you bypass the middleman, but unfortunately, that is not the case. We could also assume that an independent agency is the best way to save since they can provide multiple quotes, but that is not accurate either. For some people, exclusive agencies have price quotes that are the cheapest in Nevada.

Due to that fact that auto insurance uses so many rating variables, really the only way to buy the cheapest policy is to compare, compare, and compare some more. Put in the effort to get price quotes all three ways to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.