Compare 2014 Nissan Xterra Insurance Cost

No car owner looks forward to paying premiums for auto insurance, especially when they know they could get a better deal.

Big-name insurance companies like Allstate, Progressive and Geico continually bombard you with ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Finding affordable coverage is not that difficult. Although drivers do need to know how insurance companies sell insurance online and use this information to your advantage.

The best way we recommend to get policy rate comparisons is to take advantage of the fact most insurance companies participate in online systems to compare their rates. The only thing you need to do is provide details including your job, whether or not you need a SR-22, whether you are single or married, and the type of vehicles you drive. Your insurance information is automatically sent to insurance companies and you receive quotes very quickly.

To check 2014 Nissan Xterra insurance prices now, click here and find out if lower rates are available.

Which is the best auto insurance?

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage when using my vehicle for my home business?
  • Who is covered by my policy?
  • Is extra glass coverage worth it?
  • Do all my vehicles need collision coverage?
  • Do I need replacement cost coverage on my 2014 Nissan Xterra?
  • Do I need PIP coverage since I have good health insurance?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses like surgery, prosthetic devices, funeral costs, chiropractic care and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 2014 Nissan Xterra.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for liability – Liability coverage will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, attorney fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

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

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, crashing into a ditch, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Comments About 2014 Nissan Xterra Insurance

  1. Karol Pennington

    I live just outside Huntington, WV. I got free rates from MetLife, Eastwood, State Farm, and AIG Insurance for my Nissan and cut my rates about $540 a year. Insured with Hartford before. Moved home policy as well. I used their website to get prices.

  2. Rickey Weaver

    Corporate greed I’m telling you. I live on the south side of Honolulu, Hawaii. I quoted with Allstate, Auto-Owners, and Encompass for my Xterra and I think I am saving around $50 each month. BTW speeding tickets are not good.

  3. Arlean Bender

    Does Allstate insure at replacement cost?

  4. Major Roth

    It all costs too much. Located in Grand Forks, North Dakota. I got free prices from 21st Century, AAA, Esurance, and Hartford for my Xterra and saved about $270 a year. Just waiting to see how claims go.

  5. Gracia Hamilton

    Cheaper not always better. I live in Chesapeake, VA. I compared lots of rates. Saved about $50 a month. Allstate was the cheapest for me. Was with USAA.

  6. Evelin Hayden

    Corporate greed I’m telling you. I’m in the south part of Madison, Wisconsin. I got free rates from USAA, AAA, Liberty Mutual, and Mercury for my 2014 Nissan Xterra and I think I am saving around $20 each month. Not sure if rates are cheaper online or through an agent.

  7. Ngoc Weiss

    I’m in Birmingham, Alabama, and Progressive rates were affordable. Left GMAC to switch.

  8. Kimber Lamb

    I got decent rates for a 2014 Nissan Xterra in North Charleston, South Carolina. Ended up at about $170 every six months with Amica. Was with GEICO. It’s still not cheap enough.

  9. Edie Scott

    If you have a clean record and are close to Fayetteville, AR, check out GEICO. I saved quite a bit.

  10. Jayna Pena

    I drive uninsured.

  11. Ailene Dale

    Found cheapest coverage with American Family for my Nissan and am saving around $240 a year. Insured with State Farm before. I’m a pretty good driver though. They were helpful in switching over.

  12. Brynn Henry

    Lifelong resident of Hartford, CT. Can’t remember who all I quoted but I ended up saving about $60 each month. Insured with Progressive before.

  13. Victorina Hodges

    I got quite a few price quotes for a 2014 Nissan Xterra in Lewiston, ME. Ended up at right around $490 every six months with Auto-Owners. I’m a pretty good driver though.