Looking for cheaper insurance rates for your Nissan Xterra? Finding cheaper insurance for a new or used Nissan Xterra could be difficult, but you can learn the following methods and make it easy.
There are both good and bad ways to buy insurance and we’ll show you the best way to quote coverages on a Nissan and locate the best price possible either online or from local insurance agents.
Some companies don’t list all available discounts very well, so we break down both the well known as well as some of the hidden ways to save on car insurance.
It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, you aren’t that lucky.
A few popular companies and a partial list of their discounts include:
Before buying, ask all companies you are considering which discounts they offer. Savings may not be offered in your area.
Comparing insurance coverage rates can be exhausting if you don’t utilize the most efficient way to do it. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quotes to accomplish the same thing much quicker.
Most of the larger companies enroll in a system that enables customers to complete one form, and every company can give them a price for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.
To participate in this free quote system, click here to open in new window.
One minor caviat to getting quotes like this is you cannot specify which carriers you want to price. So if you prefer to pick specific insurance companies to receive pricing from, we have a page of companies who write insurance coverage in your area. Click to view list.
You can use whichever method you prefer to find lower rates, just make sure you are using the exact same quote data on every quote you get. If you have different data you will not be able to decipher which rate is best.
When it comes to choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.
For instance, these questions can help discover if your situation could use an agent’s help.
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Consumers get pounded daily by advertisements that claim the lowest prices by GEICO, State Farm and Progressive. They all advertise the message about savings if you change to their company.
Is it even possible that every company can make the same claim? It’s all in the words they use.
Insurance providers have strict underwriting profiles for the type of customer that earns them the most money. A good example of a profitable insured may need to be a female over age 40, has no driving citations, and drives a lower-performance vehicle. Anybody that hits that “sweet spot” will get a cheap rate quote and have a good chance to cut their rates if they switch.
Drivers who don’t qualify for this ideal profile will have to pay higher premium rates which usually ends up with the customer not purchasing. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can advertise the savings.
Because of the profiling, drivers should compare price quotes frequently. It is impossible to predict which company will fit your personal profile best.
Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from getting keyed, hail damage, damage from a tornado or hurricane, falling objects and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like hospital visits, dental work and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Collision coverage – This pays for damage to your Xterra caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as colliding with a tree, scraping a guard rail, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.
Auto liability – Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for things like medical expenses, bail bonds and emergency aid. How much coverage you buy is your choice, but consider buying higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.
When you buy auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. The goal is to get the best coverage possible at the best cost while still protecting your assets.
People leave their current company for a variety of reasons including policy cancellation, unfair underwriting practices, being labeled a high risk driver or even not issuing a premium refund. No matter why you want to switch, finding the right insurance provider is not as difficult as it may seem.
The cheapest 2002 Nissan Xterra insurance is available from both online companies and also from your neighborhood agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. A few companies do not offer rate quotes online and usually these regional carriers provide coverage only through independent agencies.
For more information, feel free to browse the resources below: