Nissan Xterra Insurance – 7 Discounts You May be Missing

I can’t think of anyone who likes having to buy car insurance, particularly when the cost is way too high. Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the definite cheapest price

If you have a current car insurance policy or need new coverage, you can follow these tips to find better prices while maximizing coverage. Finding the best rates is quite easy. Consumers only need an understanding of the most efficient way to compare company rates online.

Finding Car Insurance Deals

Effectively comparing car insurance prices can be challenging if you don’t know the most efficient way to do it. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the best insurance companies take part in a program that enables customers to complete one form, and each company can give them a price. This system prevents you from having to do form submissions to each company.

To find out how much you can save on car insurance click here to open in new window.

The only downside to getting quotes like this is you don’t know exactly the providers to get quotes from. So if you want to choose from a list of companies to receive pricing from, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing the exact same coverages on every quote you get. If each company quotes differing limits it will be very difficult to find the best deal for your Nissan Xterra.

Don’t miss out on these seven money-saving discounts

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be manually applied prior to receiving the credit. If they aren’t giving you every credit available, you’re just leaving money on the table.

• Memberships – Being a member of a civic or occupational organization could qualify you for a break on car insurance for Xterra coverage.
• Lower Rates for Military – Having a family member in the military could mean lower rates.
• New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
• Paperwork-free – A few companies may give you up to $50 just for signing your application digitally online.
• Life Insurance – Some companies give a discount if you purchase life insurance from them.
• College Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.

It’s important to understand that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck. But all discounts will reduce your overall premium however.

To choose providers with discount car insurance rates, click here to view.

What car insurance coverages do you need?

Having a good grasp of car insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Xterra.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, chiropractic care and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision coverage will pay to fix damage to your Xterra resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, crashing into a ditch, rolling your car, damaging your car on a curb and backing into a parked car. 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 to get cheaper collision coverage.

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, repair bills for other people’s vehicles, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

A little work can save a LOT of money

We’ve covered many ideas to get a better price on Nissan Xterra insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to get the best coverage possible at a price you can afford.

Low-cost Nissan Xterra insurance is possible from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.