There isn’t a single person who fancies paying their premiums for insurance coverage, especially knowing they are paying too much. Consumers have so many insurers to choose from, and even though it’s nice to have a choice, too many choices makes it more difficult to find the lowest cost provider.
Buying car insurance is easy if you know what you’re doing. If you have a current car insurance policy or are shopping for new coverage, you can use these tips to get lower rates and possibly find even better coverage. Drivers only need to know the proper way to compare price quotes on the web.
Auto insurance is neither fun to buy or cheap, but there are discounts available that can help lower your rates. Certain discounts will be applied at quote time, but some must be requested specifically before they will apply.
You should keep in mind that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will help lower your overall bill.
Companies and a partial list of their discounts are outlined below.
Double check with every prospective company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your area.
It’s important that you understand a few of the rating criteria that help calculate the rates you pay for car insurance. If you know what determines premiums, this empowers consumers to make smart changes that could help you find lower premium levels.
When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if you will benefit from professional help.
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Xterra.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Collision insurance
This coverage pays for damage to your Xterra from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims like colliding with another moving vehicle, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Insurance for medical payments
Med pay and PIP coverage reimburse you for short-term medical expenses like prosthetic devices, funeral costs, X-ray expenses, pain medications and EMT expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability
This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against things such as court costs, repair bills for other people’s vehicles, repair costs for stationary objects, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as hitting a deer, a broken windshield and damage from getting keyed. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
The cheapest 2001 Nissan Xterra insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide rate quotes online and usually these smaller companies prefer to sell through independent insurance agencies.
When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at the best price.
In this article, we presented a lot of ways to get a better price on 2001 Nissan Xterra insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the best rates are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.
Marx Hale
I’m just south of Warren, MI. Don’t remember every company but I ended up saving about $20 each month. Left The General to switch. My new agent seems to be really good. It was easy to get rates. I don’t insure for physical damage though.
Shakita Kirkland
Hope my car insurance gets cheaper. Located in Lexington, KY. Got car insurance quotes from American Family, Sentry, and a few others for my Xterra and saved about $110 a year. My new agent seems to be really good. Book value doesn’t justify full coverage anymore.
Simon Gilliam
If you’re a decent driver and live in the vicinity of Las Cruces, NM, check out Allstate. You might get cheaper rates.
Ariane Boyer
What exactly does liability cover?
Maxine Manning
I’m just west of Green Bay, WI. Got rates from The General, Auto-Owners, Nationwide, and a couple others for my Xterra and saved around $80 a year. Wish I didn’t have to insure at all. When should I drop full coverage?
Tana Finley
I compared a lot of rate quotes for a 2001 Nissan Xterra in Rochester, MN. Ended up at about $120 every six months with AIG Insurance. Left GMAC to switch. Liability only on my Xterra.
Roscoe Mcknight
Will 21st Century raise rates for a windshield claim?
Ellie Hammond
Located in Saint Paul, MN. Got car insurance quotes from AAA, Safeco, and Travelers for my 2001 Nissan Xterra and I’m now saving $24 a month. I get a discount for insuring multiple vehicles. I think I’ll get rid of full coverage next time.
Brad Haynes
Like your site, BTW. Proud to be from Aurora, IL. Received rates from 21st Century, Auto-Owners, and some I forget for my Xterra and saved about $70 a year. Liability only on my Xterra.
Stephan Howe
Here’s my info. I live on the east side of Aberdeen, SD. Quoted rates from Auto-Owners, Mercury, and Western Auto Insurance for my 2001 Nissan Xterra and I’m now saving $24 a month. Have a couple speeding tickets too. It’s easy to compare rates online now.
Shameka Snow
From northwest of Jackson, Mississippi. Received quotes with 21st Century, American Family, and Esurance for my Xterra and saved just over $90 a year. Left Travelers to switch.
Raymond Bradley
If you don’t have tickets and live around Nampa, ID, check out GEICO. They seem to be cheaper. Left Sentry to switch. I don’t have comp or collision coverage.
Zelma Giles
Quoted with American Family for my Nissan and am saving around $60 a year. I get a discount for insuring multiple vehicles. You can get a rate quote online. I only have liability coverage on it.
Al Newton
It’s all a rip off. I’m in the west part of Buffalo, New York. Quoted with AIG Insurance, Esurance, and Mercury for my Nissan and I’m now saving $15 a month. Even increased coverage a bit. They have free quotes online.
Leighann Porter
Does Michigan have minimum liability requirements?
Rebbeca Langley
Enjoyed the article. I live just to the south of Louisville, Kentucky. Received prices from Allstate, Amica, Eastwood, and GMAC for my Nissan and saved just over $70 a year. I don’t insure for physical damage though.
Rae Ortega
Here’s what I found out. I live just to the north of Eugene, OR. Quoted with Amica, Mercury, and some smaller one I can’t remember the name of for my 2001 Nissan Xterra and I think I cut my rates about $30 each month. Good savings if you bundle.
Wes Combs
In Burlington, VT, State Farm is a good choice. Left Hanover to switch. Ask about discounts. When should I drop full coverage?
Christopher Anthony
From Atlanta, Georgia. Got free quotes online for a 2001 Nissan Xterra. Ended up at about $70 savings annually. Went with GEICO. I get lower rates because of my clean driving record. It never hurts to quote around. I dropped full coverage awhile back.