2008 Nissan Xterra Insurance Quotes

Searching for low-cost insurance for a new or used Nissan Xterra can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the absolute fastest way to compare rates for your Nissan and locate the lowest price.

It is always a good idea to price shop coverage occasionally since prices fluctuate regularly. Even if you got the lowest price for Xterra coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

How much is insurance?

Comparing insurance rates can be exhausting if you aren’t aware of the most efficient way to do it. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most major companies belong to an insurance system that allows shoppers to complete one form, and at least one company returns a rated price based on that data. This system prevents you from having to do form submissions to each individual insurance company.

To access this free quoting program, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the providers you want to price. So if you prefer to pick specific insurance companies to compare rates, we have a page of insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the same coverage limits and deductibles on every price quote you get. If each company quotes differing limits it will be next to impossible to get a fair rate comparison.

Get lower rates by taking advantage of discounts

Some companies don’t necessarily list the entire discount list very well, so we researched some of the best known and also the lesser-known discounts that you may qualify for.

  • Discounts for Federal Employees – Active or former government employment could qualify for a slight premium decrease for Xterra coverage with a few insurance coverage companies.
  • Theft Deterent – Vehicles with anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Save over 55 – Seniors can possibly qualify for lower premium rates for Xterra coverage.
  • Discount for New Cars – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new vehicles.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Distant Student Discount – who are attending college and do not have access to a covered vehicle could get you a discount.
  • Active Service Discounts – Being deployed with a military unit could trigger a small discount.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
  • Multi-car Discount – Insuring multiple vehicles with one company can get a discount for every vehicle.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, you aren’t that lucky.

A list of companies and some of their more popular discounts include:

  • GEICO may offer discounts for seat belt use, membership and employees, multi-policy, military active duty, multi-vehicle, good student, and emergency military deployment.
  • Mercury Insurance offers discounts for multi-policy, good driver, age of vehicle, good student, and professional/association.
  • Farmers Insurance may have discounts that include distant student, electronic funds transfer, business and professional, youthful driver, good student, early shopping, and homeowner.
  • Auto-Owners Insurance discounts include safe vehicle, student away at school, good student, anti-theft, anti-lock brakes, multiple vehicles, and paperless.
  • Liberty Mutual may include discounts for hybrid vehicle, newly retired, multi-car, safety features, exclusive group savings, new vehicle discount, and multi-policy.
  • SAFECO offers premium reductions for bundle discounts, drive less, anti-lock brakes, accident prevention training, and multi-car.
  • Progressive has discounts for continuous coverage, multi-policy, online quote discount, good student, and online signing.
  • USAA policyholders can earn discounts including good student, defensive driver, annual mileage, vehicle storage, and multi-policy.

When getting free car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. A few discounts may not be offered everywhere. For a list of companies that offer the discounts shown above, click here.

Cut insurance costs with these tips

It’s important that you understand some of the things that help calculate the level of your policy premiums. If you understand what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates. Many factors are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are more transparent such as whether you are married or how safe your car is.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.

  • Deductibles are a factor – Physical damage coverage, aka comp and collision, is used to repair damage to your vehicle. Examples of some claims that would be covered are a dented fender, damage caused by hail, and windstorm damage. Deductibles for physical damage represent how much money you are required to pay if a covered claim is submitted. The more expense you have to pay, the better rate you will receive for Xterra coverage.
  • Do you really need the extra policy coverages? – Insurance companies have many additional coverages that can add up when buying insurance. Coverages for coverage for rental cars, death and dismemberment, and motor club memberships are probably not needed. They may sound like good ideas when talking to your agent, but if they’re wasting money get rid of them and save.
  • Less chance of injury means lower prices – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles reduce injuries and lower injury rates translates directly to fewer claims and thus lower rates. If your Nissan Xterra is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Your age impacts your rates – Teen drivers have been known to be less responsible when driving with friends therefore insurance rates are much higher. More mature drivers are more cautious drivers, cost insurance companies less in claims and receive fewer citations.
  • Prices impacted by vehicle usage – The more miles you rack up on your Nissan in a year’s time the more you’ll pay to insure your vehicle. Almost all companies calculate rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates than those used for commuting. Double check that your insurance declarations sheet shows the proper vehicle usage. Incorrect rating for your Xterra is throwing money out the window.
  • Traffic violations hurt – Whether or not you get tickets impacts your car insurance rates tremendously. Having just one chargable violation can boost insurance rates forty percent or more. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who have severe violations like reckless driving or DUI may find that they have to to complete a SR-22 with their state motor vehicle department in order to continue driving.

How much insurance coverage do I need?

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Is my 2008 Nissan Xterra covered for flood damage?
  • Why is insurance for a teen driver so high?
  • Does coverage extend to my business vehicle?
  • When would I need rental car insurance?
  • Should I carry comprehensive and collision coverage?
  • Can I rent a car in Mexico?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Can switching companies really save?

Drivers can’t avoid all the ads for cheaper insurance coverage by companies like Allstate and Progressive. All the ads advertise claims of big savings if you switch your coverage.

How can each company charge you a lower premium? It’s all in the wording.

Companies require specific criteria for the right customer that will generate a profit. For instance, a profitable risk profile might have to be a married female, has a clean driving record, and drives a car with an anti-theft system. A propective insured who matches those parameters will most likely get cheap rates as well as cut their rates substantially.

Potential insureds who cannot meet these stringent criteria will get a higher premium and ends up with the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently claim big savings. Each company has different criteria, so you really need to get price quotes at each policy renewal. It is just not possible to predict which insurance coverage company will provide you with the cheapest car insurance rates.

Car insurance coverages for a Nissan Xterra

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2008 Nissan Xterra.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance – Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, emergency aid, medical expenses, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Collision coverages – This coverage will pay to fix damage to your Xterra resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from 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 coverage pays for things such as damage from getting keyed, damage from flooding, a tree branch falling on your vehicle and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like dental work, nursing services, rehabilitation expenses, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Don’t break the bank

Cost effective 2008 Nissan Xterra insurance is possible from both online companies and from local insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online rate quotes and many times these regional carriers provide coverage only through independent insurance agencies.

In this article, we covered a lot of information how to get a better price on 2008 Nissan Xterra insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding affordable car insurance. Consumers could even find that the biggest savings come from a small mutual company.

People change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, lack of trust in their agent and even delays in paying claims. Whatever your reason, choosing a new insurance company can be pretty painless.

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