Vehicles > Nissan > Xterra

Nissan Xterra Insurance Rates

You have lots of choices when trying to insure your Nissan vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare rates from multiple insurance companies. Buying car insurance on the web is simple to do and at the same time you will probably save money.

Shopping online for car insurance is challenging if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The quickest method to compare Xterra insurance quotes is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What influences Xterra insurance cost?

Insurance rates for a Nissan Xterra can fluctuate considerably subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Accidents raise premiums
  • Multiple policies can save money
  • Use of your vehicle
  • Mature drivers pay less
  • Whether you are married
  • Special coverage such as replacement cost
  • Your profession
  • The amount of protection requested
  • Whether you rent or own your home

One last important factor that helps determine the rate you pay on your Nissan is the year of manufacture. Older models have a reduced actual cash value so repair costs tend to be lower which can decrease annual premiums. But new Nissan models may have options including adaptive cruise control, sideview assist mirrors, and tire pressure monitors which may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Xterra from available model years below.

Liability car insurance

Xterra liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. Xterra collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.

How Much are Nissan Xterra Insurance Rates?