2009 Nissan Xterra Car Insurance Rates – 9 Savings Tips

Having to pay for pricey insurance coverage can eat up your checking account and require stricter spending habits. Comparing rates annually is free, only takes a few minutes, and is a good way to cut your insurance bill.

With vehicle owners having so many insurance coverage companies to choose from, it’s nearly impossible to find a more affordable insurance coverage provider.

The purpose of this article is to introduce you to how car insurance quotes work. If you currently have car insurance, you should be able to save some money using this information. Vehicle owners only need to know the most effective way to compare price quotes over the internet.

Save a ton by getting these nine discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but a few need to be specially asked for before you will receive the discount.

  • Policy Bundle Discount – If you can combine your auto and home policy with one company you may earn over 10 percent off each policy depending on the company.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
  • Discounts for Cautious Drivers – Safe drivers can get discounts for up to 45% lower rates on Xterra insurance compared to rates paid by drivers with frequent claims.
  • Multi-line Discount – Some insurance companies give a break if you buy a life insurance policy as well.
  • Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote insurance on Xterra insurance with a few auto insurance companies.
  • Paperless Signup – A few larger online companies may give you up to $50 just for signing your application on the internet.
  • Data Collection Discounts – Policyholders that allow their company to look at where and when they drive by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.

A quick disclaimer, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will positively reduce the premium cost.

A few companies that may offer quotes with most of the discounts above include:

When getting free insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Some credits may not be available in your state. To find providers that offer discounts, click here to view.

Compare auto insurance quotes

Getting a cheaper price on 2009 Nissan Xterra insurance isn’t really that difficult. All you need to do is take a couple of minutes comparing rates to find the company with cheaper insurance quotes. Insurance prices can be quoted using a couple different methods.

  1. The best way to get quotes would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing repetitive form entry for each company you want a rate for. Completing one form gets coverage cost estimates from many national carriers.
  2. A more time consuming way to get quotes online requires a visit to the website for every company you want to comare to complete a price quote. For instance, we’ll pretend you want to compare rates from Farmers, Geico and American Family. You would need to take the time to go to each site and punch in your information repeatedly, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way to compare rates is to spend time driving to different agent offices. Quoting and buying insurance online makes this process obsolete unless you’re the type of person who wants the trained advice that you can only get from talking to an agent. Although, it is possible comparison shop online and still use a local agent.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use the same information for every quote you compare. If you compare different values for each quote you will not be able to get a fair rate comparison.

Your insurance coverage should be tailored to you

When buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Which is better, split liability limits or combined limits?
  • How many claims can I have before being cancelled?
  • How much underlying liability do I need for an umbrella policy?
  • Should I carry comprehensive and collision coverage?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Insurance advertising tricks

Drivers constantly see and hear ads for cheaper auto insurance from companies such as State Farm and Allstate. They all advertise the message that you can save if you get a free insurance quote and switch to them.

How does every auto insurance company offer you a better deal? It’s all in the numbers.

All companies offer their best rates for the type of customer that will generate a profit. For example, a profitable customer might be over the age of 50, owns a home, and the vehicle is rated for pleasure use. A driver that matches those criteria will get very good prices and most likely will save if they switch.

Potential customers who may not quite match these stringent criteria may be required to pay higher premium rates and this results in the customer buying from a different company. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that much. This is how companies can make those claims.

Different companies use different criteria so it is so important to compare many company’s prices. It’s impossible to know which company will have the best premium rates for your profile.

Coverages available on your policy

Understanding the coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, a broken windshield, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses like dental work, doctor visits, hospital visits and ambulance fees. The coverages 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 as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

Collision insurance covers damage to your Xterra resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Nissan Xterra.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

More choices the merrier

You just read many tips how you can shop for 2009 Nissan Xterra insurance online. The key thing to remember is the more times you quote, the better likelihood of getting cheaper insurance. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Lower-priced 2009 Nissan Xterra insurance can be purchased both online as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. A few companies don’t offer internet price quotes and many times these smaller providers work with independent agencies.

When getting insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Additional insurance information is available below:

Comments About 2009 Nissan Xterra Insurance

  1. Juliana Byers

    Is GEICO or State Farm cheaper in Jersey City, NJ?

  2. Kelly Carson

    I’m looking for cheaper coverage. Checking in from Henderson, NV. Got free quotes online for a 2009 Nissan Xterra. Ended up at about $410 savings annually. Went with Progressive. A clean driving record helps. Not sure if rates are cheaper online or through an agent.

  3. Dorcas Newton

    If you have a good history and live around Frederick, Maryland, check out Allstate. You might save some money.

  4. Rochel Andrews

    If you’re around Montgomery, AL try Allstate and GEICO and see which is cheaper.

  5. Donte Thompson

    Cheapest quote for my 2009 Nissan Xterra was with Esurance. I’m a pretty good driver though. I just quoted rates online.

  6. Nereida Bennett

    If you have a clean record and live near Parkersburg, West Virginia, check out State Farm. You might save some money. Have an at-fault accident tho.

  7. Christopher Blevins

    Good detail in your article. I live just to the west of Gaithersburg, MD. Compared quite a few companies. Saved right around $70 a month. Progressive was the cheapest for me. You can get a rate quote online.

  8. Latina Byers

    Not sure what I should be paying. Went with Erie for my 2009 Nissan Xterra and cut my rates about $290 a year.