How Much Does 2004 Nissan Xterra Car Insurance Cost?

Are you burned out from paying out the nose each month for insurance? You are in the same boat as many other drivers.

Drivers have many insurance companies to buy insurance from, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

It’s important to get comparison quotes yearly since insurance prices are variable and change quite frequently. Even if you think you had the best rates for Xterra coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because we’re going to show you the right way to save on insurance.

Affordable insurance coverage rates with discounts

Some providers do not advertise the entire discount list very well, so the list below details some of the more common as well as the least known discounts that you may qualify for.

• Defensive Driving Course – Taking time to complete a course in defensive driver could earn you a small percentage discount and also improve your driving technique.
• Multi-policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
• Accident Forgiveness – This one is not really a discount per se, but companies like Allstate, Progressive, and Geico may permit one accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Professional Memberships – Being a member of qualifying clubs or civic groups could trigger savings on your next insurance coverage statement.
• Discounts for New Vehicles – Adding a new car to your policy can save you some money because newer vehicles have to meet stringent safety requirements.
• Low Mileage Discounts – Driving less could be rewarded with discounted insurance coveragerates on garaged vehicles.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
• Telematics Data Discounts – Insureds that choose to allow driving data collection to study where and when they drive remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
• Home Ownership Discount – Just owning your own home can help you save on insurance coverage because it requires personal responsibility.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

Companies and their offered discounts are included below.

• Geico may include discounts for membership and employees, air bags, emergency military deployment, anti-lock brakes, and daytime running lights.
• MetLife offers discounts including claim-free, defensive driver, good student, accident-free, multi-policy, good driver
• State Farm has discounts for driver’s education, defensive driving training, good driver, Steer Clear safe driver discount, and student away at school.
• Progressive includes discounts for homeowner, good student, multi-vehicle, online signing, and continuous coverage.
• Mercury Insurance policyholders can earn discounts including accident-free, ease of repair, location of vehicle, age of vehicle, anti-theft, and type of vehicle.
• 21st Century may offer discounts for student driver, defensive driver, good student, early bird, teen driver, and homeowners.
• Allstate offers discounts for auto/life discount, defensive driver, farm vehicle, teenSMART discount, 55 and retired, early signing, and good student.

Double check with all companies you are considering to apply every possible discount. Depending on the company, some discounts might not apply in every state. If you would like to view companies who offer cheap insurance coverage quotes, follow this link.

Learn how to quote auto insurance at a discount

The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating the price you pay for auto insurance. If you know what determines base rates, this enables informed choices that could result in cheaper rates. Multiple criteria are used in the calculation when quoting car insurance. Most are fairly basic such as your driving history, but other factors are less apparent such as your marital status or your financial responsibility.

• What are your physical damage deductibles? – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims could be a broken windshield, vandalism, or theft. Your deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. The more you’re willing to pay, the less money you will pay for auto insurance for Xterra coverage.
• Drive less and pay lower prices – The more you drive your Nissan annually the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting receive lower rates than vehicles that have high annual mileage. Improper usage on your Xterra may be wasting your money. Make sure your auto insurance policy states the correct usage.
• Incidental coverages are wasting money – There are a ton of extra coverages that may not really be needed on your auto insurance policy. Coverages for replacement cost coverage, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea at first, but if you don’t need them remove them and pocket the money.
• Can a thief steal your car? – Selecting a car model with an alarm system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
• Five star IIHS safety rating saves money – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies and cheaper rates on your policy. If your Nissan Xterra scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation would benefit from an agent’s advice.

• Do I need more liability coverage?
• What companies insure drivers after a DUI or DWI?
• When should I remove comp and collision on my 2004 Nissan Xterra?
• Do I have coverage for damage caused while driving under the influence?
• Why am I required to get a high-risk car insurance policy?
• Should I waive the damage coverage when renting a car?
• Does my 2004 Nissan Xterra need full coverage?
• What is the ISO rating for a 2004 Nissan Xterra?
• Am I missing any policy discounts?
• Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as legal defense fees, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Coverage for collisions

Collision coverage pays for damage to your Xterra resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, driving through your garage door, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, dental work, surgery, prosthetic devices and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle, damage from getting keyed, damage from flooding and vandalism. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage 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. For this reason, having high UM/UIM coverages should not be overlooked.

In conclusion

Some companies do not provide the ability to get quotes online and usually these regional insurance providers prefer to sell through local independent agents. Lower-priced 2004 Nissan Xterra insurance can be found both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.

Throughout this article, we presented quite a bit of information on how to save on 2004 Nissan Xterra insurance. The key concept to understand is the more you quote car insurance, the higher the chance of saving money. Drivers may discover the biggest savings come from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive or Geico.

Much more information about car insurance can be read on the following sites:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Liability Insurance Coverage (Nationwide)