2008 Nissan Xterra Insurance Quotes

Want better auto insurance rates for your Nissan Xterra? Being forced to pay for high-priced auto insurance premiums can empty your savings account and make it impossible to make ends meet. Comparing rate quotes is a fast and free way to lower your bills every month.

There are many car insurance companies to purchase coverage from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

It’s smart to check auto insurance prices as often as possible since insurance prices go up and down regularly. If you had the lowest rates for Xterra coverage a few years ago you may be paying too much now. Don’t believe everything you read about auto insurance on the internet, but you can learn the easiest ways to reduce your auto insurance bill.

Do you qualify for discounts?

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be manually applied in order for you to get them.

• No Claims – Claim-free drivers pay less when compared to policyholders that have many claims.
• Active Service Discounts – Being deployed in the military could be rewarded with lower rates.
• Multi-Vehicle Discounts – Buying a policy with all your vehicles on a single policy can get a discount for every vehicle.
• Discount for New Cars – Adding a new car to your policy is cheaper because new model year vehicles have to meet stringent safety requirements.
• Discount for Life Insurance – Insurance companies who offer life insurance give lower prices if you buy a life policy as well.
• Cautious Drivers – Accident-free drivers can save as much as half off their rates for Xterra coverage compared to accident prone drivers.
• Full Payment Discount – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.

You should keep in mind that most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and their offered discounts are outlined below.

• Geico may have discounts that include military active duty, defensive driver, federal employee, air bags, emergency military deployment, membership and employees, and seat belt use.
• USAA has savings for loyalty savings, driver training, vehicle storage, good student, and annual mileage.
• Progressive includes discounts for good student, online signing, online quote discount, homeowner, and multi-policy.
• American Family has discounts for air bags, bundled insurance, multi-vehicle, mySafetyValet, and Steer into Savings.
• Esurance may offer discounts for online quote, emergency road assistance, good driver, renters, and DriveSense.
• Farmers Insurance policyholders can earn discounts including youthful driver, alternative fuel, multi-car, teen driver, and pay in full.
• State Farm offers premium reductions for driver’s education, anti-theft, multiple autos, Drive Safe & Save, and student away at school.

Before purchasing a policy, check with all companies you are considering the best way to save money. Discounts may not apply to policyholders everywhere. To choose insurers with significant discounts, click this link.

Shop auto insurance online

The majority of larger companies like Allstate and Progressive provide coverage prices on the web. This process is easy for anyone as you simply enter your required coverages into the form. When complete, their quoting system automatically orders your driving record and credit report and generates a price based on the information you submitted. Online price quotes makes it easy to compare insurance prices but having to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get lower prices.

The preferred way to lower your rates uses just one form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes price shopping online much easier. After sending the form, it is quoted and you are able to buy any one of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To compare rates now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate comparison quotes for similar insurance coverage.

Lower your insurance costs

Multiple criteria are part of the equation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but others are more transparent like where you live or your vehicle rating.

• Vocation impacts rates – Jobs such as real estate brokersair traffic controllers and stock brokers generally have higher rates than the rest of us in part from high stress levels and lots of time spent at work. On the other hand, occupations like farmers, athletes and homemakers get better rates for Xterra coverage.
• Only buy what you need – Insurance companies have many extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like roadside assistance, high-cost glass coverage, and term life insurance are probably not needed. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.
• Rural areas have lower costs – Residing in a rural area can save you money if you are looking for the lowest rates. People in densly populated areas have to deal with congested traffic and much longer commute distances. Less people living in that area means less chance of accidents and a lower car theft rate.
• Save money with GPS tracking and theft deterrents – Selecting a car model with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
• When should you not file a insurance coverage claims? – Companies generally give the best rates to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is designed for larger claims.
• Driving citations can increase rates – Good drivers pay lower auto insurance prices as compared to those with violations. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers who have received dangerous violations such as reckless driving or DUI might be required by their state to prove financial responsibility with their state’s department of motor vehicles in order to legally drive.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

• When would I need additional glass coverage?
• Are split liability limits better than a combined single limit?
• I have health insurance so do I need medical payments coverage?
• Am I insured when driving a different vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Big names are not always cheapest

Consumers get pounded daily by advertisements that claim the cheapest prices from companies such as Allstate and Progressive. They all make the same claim that people will save after switching to them.

That’s great but how can every company claim to save you money? You have to listen carefully.

Different companies quote the lowest rates for the driver that is profitable for them. An example of this type of insured may be between 30 and 50, is a homeowner, and drives a safe vehicle. A driver who meets those qualifications will probably get the lowest prices and most likely will cut their rates substantially.

Consumers who are not a match for this stringent profile may be forced to pay higher premiums with the end result being the customer buying from a different company. If you listen closely, the ads state “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way companies can truthfully advertise the way they do.

Because of these techniques, drivers should get price quotes at each policy renewal. It is impossible to guess with any certainty which company will have the lowest rate quotes.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for liability – This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, legal defense fees, attorney fees and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses like surgery, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, falling objects, theft and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, rolling your car, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Best coverage at the best price

Cheaper insurance coverage is available online and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not offer internet price quotes and most of the time these small, regional companies only sell through local independent agencies.

In this article, we presented many tips how you can get a better price on 2008 Nissan Xterra insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest insurance. You may even discover the best prices are with an unexpected company. Smaller companies often have lower rates on specific markets as compared to the big name companies such as Allstate or State Farm.

For more information, take a look at the resources below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Teen Driver Licensing Information (iihs.org)