2018 Nissan Titan Insurance Cost – 5 Tips to Save

No one gets a kick out of paying for insurance, in particular when they could find better rates elsewhere. Since drivers have many choices, it can be diffult for people to locate the cheapest insurance company.

It’s a great practice to compare prices before your next renewal because prices are variable and change quite frequently. Even if you got the lowest price for Titan insurance last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

Insurance Discounts

Buying insurance is not cheap, but companies offer discounts that can help lower your rates. Some discounts will apply when you purchase, but some discounts are required to be asked about before they will apply.

  • Federal Employees – Active or former government employment could provide a small rate reduction for Titan insurance with some insurance companies.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% off PIP or medical payments premium.
  • Defensive Driver Discount – Participating in a course in driver safety is a good idea and can lower rates if your company offers it.
  • Early Renewal Discounts – A few insurance companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Distant Student Discount – Children who are attending college and won’t have access to an insured vehicle could get you a discount.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, insurance companies aren’t that generous.

Popular insurance companies and a selection of discounts can be found below.

  • GEICO policyholders can earn discounts including anti-lock brakes, federal employee, military active duty, defensive driver, and multi-vehicle.
  • Mercury Insurance has discounts for multi-policy, age of vehicle, multi-car, accident-free, and type of vehicle.
  • Farmers Insurance offers premium reductions for good student, pay in full, distant student, switch companies, and early shopping.
  • Auto-Owners Insurance offers discounts for student away at school, company car, anti-theft, paperless, and multi-policy.
  • Liberty Mutual may have discounts that include newly retired, safety features, newly married, new vehicle discount, new graduate, and multi-car.
  • SAFECO may offer discounts for homeowner, teen safety rewards, teen safe driver, anti-theft, multi-car, and accident prevention training.
  • Progressive discounts include continuous coverage, multi-vehicle, multi-policy, good student, homeowner, and online signing.
  • USAA offers discounts including military installation, driver training, multi-vehicle, loyalty savings, multi-policy, and vehicle storage.

When comparing rates, check with each insurance company to give you their best rates. Some credits might not apply in your area. To see a list of insurance companies offering insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • Who is covered when they drive my 2018 Nissan Titan?
  • Should I rate my 2018 Nissan Titan as pleasure use or commute?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the minimum liability in my state?
  • Is there coverage for injuries to my pets?
  • Should I have a commercial auto policy?
  • Is my cargo covered for damage or theft?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I afford to buy a different vehicle if my 2018 Nissan Titan is totaled?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Big brands don’t always mean big savings

Drivers can’t escape the ads that promise big savings for switching by companies like State Farm and Allstate. They all seem to have a common claim about how much you will save if you switch your auto insurance coverage to their company.

But how can every company lower your premium rates? It’s all in the numbers.

Different companies offer their best rates for the type of driver that is profitable for them. One example of a desirable insured might have to be a female over age 40, insures multiple vehicles, and has great credit. Any customer that meets those criteria receive the lowest rate quotes and most likely will save money with a new company.

Drivers who don’t measure up to these stringent criteria will see higher premium rates which leads to the customer not purchasing. If you listen closely, the ads state “drivers that switch” not “all people who quote” save the amount stated. This is how insurance companies can make claims that they all have the best rates. This really drives home the point why it’s extremely important to compare many company’s rates. You cannot predict which auto insurance company will give you lower prices than your current company.

Auto insurance 101

Having a good grasp of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as prosthetic devices, rehabilitation expenses, funeral costs, doctor visits and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, hitting a bird, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your Titan from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Nissan Titan.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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

Liability coverage protects against things like loss of income, pain and suffering, bail bonds, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Do the work, save more money

Budget-friendly insurance can be sourced from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer online rate quotes and many times these small insurance companies provide coverage only through independent insurance agents.

As you prepare to switch companies, you should never reduce coverage to reduce premium. In many instances, consumers will sacrifice full coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at a price you can afford.

More detailed insurance information can be found in the articles below: