2003 Nissan Xterra Car Insurance Cost

Being forced to pay for pricey car insurance premiums can dry up your funds and put the squeeze on your family’s finances. Comparing price quotes can lower your rates and help to slash your bill and have more diposable income.

Big-name insurance companies like State Farm, Geico and Farmers Insurance constantly blast consumers with ad campaigns and consumers find it hard to avoid their marketing magic and find the best price available.

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. Nevertheless, consumers do need to understand the way insurance companies market on the web and use this information to your advantage.

Discounts for affordable car insurance rates

Companies that sell car insurance don’t always list all their discounts in a way that’s easy to find, so the next list breaks down some of the more common and the more hidden credits that you can use to lower your rates. If they aren’t giving you every credit you qualify for, you could be saving more on your car insurance.

• Active Military Service – Having an actively deployed family member could mean lower car insurance rates.
• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Early Renewal Discounts – Select larger companies give a discount for signing up early. It can save you around 10%.
• Responsible Drivers – Drivers without accidents can save as much as half off their rates on Xterra coverage as compared to drivers with claims.
• Distant Student – College-age children who live away from home to go to college and leave their car at home could qualify for this discount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

A list of companies and a partial list of their discounts are included below.

• Farmers Insurance has savings for good student, switch companies, bundle discounts, alternative fuel, mature driver, and teen driver.
• State Farm policyholders can earn discounts including multiple autos, Steer Clear safe driver discount, good driver, driver’s education, and passive restraint.
• Liberty Mutual may have discounts that include hybrid vehicle, new move discount, exclusive group savings, preferred payment discount, and new graduate.
• MetLife includes discounts for claim-free, good student, good driver, defensive driver, and multi-policy.
• Progressive may include discounts for online signing, multi-policy, continuous coverage, good student, homeowner, multi-vehicle, and online quote discount.

Double check with every company which credits you are entitled to. All car insurance discounts might not be offered in your state.

Finding car insurance

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the most efficient way to do it. You can waste hours talking about coverages with insurance agencies in your area, or you could use online quotes to get the quickest rates.

Most car insurance companies belong to an insurance system that allows shoppers to complete one form, and each company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions to each company. To participate in this free quote system, click to open in new window.

The only downside to doing it this way is you don’t know exactly which providers you want to price. If you prefer to choose specific insurance companies to compare, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but double check that you are using equivalent coverage information on every quote you get. If you use different liability limits you will not be able to determine the best price for your Nissan Xterra. Having just a slight variation in coverage limits could mean much higher rates. And when comparing car insurance rates, know that getting more free quotes increases the change that you will find the best rates. Not every company allows you to get online price quotes, so it’s important to compare quotes from those companies as well.

You may need specialized insurance coverage

When it comes to buying the best insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out if your situation might need professional guidance.

• Does my medical payments coverage pay my health insurance deductible?
• What can I do if my company denied a claim?
• How can I find cheaper teen driver insurance?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What if I don’t agree with a claim settlement offer?
• Am I covered if my car is in a flood?
• Is my 2003 Nissan Xterra covered for flood damage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Collision coverage – Collision insurance will pay to fix damage to your Xterra caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, EMT expenses, ambulance fees, hospital visits and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverage – This can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, pain and suffering, legal defense fees, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, hitting a deer, rock chips in glass, vandalism and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage 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. Normally these coverages are similar to your liability insurance amounts.

Buy Smart and Save

Some insurance providers don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through independent insurance agents. Discount 2003 Nissan Xterra insurance is attainable on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

When getting auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. Your objective should be to find the BEST coverage for the lowest cost while still protecting your assets.

We just covered a lot of ways to save on 2003 Nissan Xterra insurance. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies. These companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive and Geico.

To read more, feel free to visit the following helpful articles:

• Understanding Car Crashes Video (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Safety Belts FAQ (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)