Are you tired of overpaying and want cheaper auto insurance rates in Phoenix, AZ? Phoenix shoppers have a choice when shopping for low-cost Nissan Titan insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.
There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to quote coverages for your Nissan and find the cheapest rates.
It’s smart to take a look at other company’s rates as often as possible since prices change regularly. Just because you found the best deal on Nissan Titan insurance in Phoenix two years ago there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate the tricks you need to know to get good coverage on Nissan Titan insurance in Phoenix at a lower rate.
Companies offering cheap Nissan Titan prices in Phoenix, AZ
The companies in the list below are ready to provide free quotes in Phoenix, AZ. If multiple providers are shown, we recommend you get prices from several of them in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $258 | $466 | $300 | $18 | $90 | $1,132 | $94 |
| Titan XE King Cab 2WD | $138 | $240 | $424 | $26 | $126 | $954 | $80 |
| Titan XE Crew Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Titan SE King Cab 4WD | $204 | $332 | $288 | $18 | $86 | $928 | $77 |
| Titan XE Crew Cab 2WD | $164 | $262 | $352 | $20 | $106 | $904 | $75 |
| Titan SE King Cab 2WD | $250 | $442 | $488 | $28 | $146 | $1,354 | $113 |
| Titan SE Crew Cab 4WD | $208 | $426 | $362 | $22 | $108 | $1,126 | $94 |
| Titan Pro-4X King Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,248 | $104 |
| Titan SE Crew Cab 2WD | $180 | $356 | $506 | $30 | $152 | $1,224 | $102 |
| Titan Pro-4X Crew Cab 4WD | $156 | $284 | $306 | $18 | $92 | $856 | $71 |
| Titan LE Crew Cab 4WD | $158 | $332 | $362 | $22 | $108 | $982 | $82 |
| Titan LE Crew Cab 2WD | $228 | $390 | $360 | $22 | $108 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in specific zip code location which can influence insurance rates greatly.
Difference between liability only and full coverage rates
The chart below illustrates the comparison of Nissan Titan premium costs with liability coverage only compared to full coverage. The data assumes no tickets, no at-fault accidents, $500 deductibles, single female driver, and no additional discounts are factored in.
Should you be buying full coverage?
There is no clear-cut formula for excluding physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Nissan Titan settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after you pay the deductible. If you are paying over $400 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Phoenix Insurance Prices are Influenced by These Factors
Part of the car insurance buying process is learning the rating factors that come into play when calculating your car insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you lower car insurance prices.
- Liability insurance claims can be big – Your policy’s liability coverage kicks in if you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
- You might want pay the small car insurance claims yourself – If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance companies in Arizona award the best rates to policyholders who only file infrequent claims. Your insurance policy is intended for the large, substantial claims.
- Physical damage deductibles – Physical damage coverage, also called comprehensive and collision insurance, covers your vehicle from damage. Some coverage claims could be a broken side mirror, damage caused by hail, and having your car stolen. The deductibles are how much you are required to spend in the event of a claim. The more money you pay before a claim is paid (deductible), the better rate you will receive.
- Always have car insurance – Having a lapse in insurance coverage can be a fast way to increase your car insurance rates. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department.
- Incidental coverages may not be needed – There are a lot of extra coverages that can add up if you aren’t diligent. Things like rental car coverage, towing coverage, and Farm Bureau memberships are some examples. They may seem like a good idea at first, but if you’ve never needed them in the past consider taking them off your policy.
- Nissan Titan claim probability – Insurers analyze the history of losses when they set coverage costs for each model. Models that the data determines to have a higher amount or frequency of claims will have higher rates. The next table shows the collected loss data for Nissan Titan vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Values that are below 100 mean the vehicle has better than average losses, while percentage values above 100 indicate a higher chance of having a claim or tendency to have larger claims.
Auto Insurance Loss Data for Nissan Titan Models
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Titan Crew Cab 2WD 95 127 120 Nissan Titan Crew Cab 4WD 95 137 109 77 99 108 Nissan Titan Ext Cab 2WD 117 111 Nissan Titan Ext Cab 4WD 106 107 Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Save a ton by taking advantage of discounts
Car insurance can cost a lot, but you might be missing out on some discounts that many consumers don’t even know exist. Certain credits will be shown when you complete an application, but some may not be applied and must be specifically requested prior to receiving the credit.
- Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on Phoenix car insurance quote compared to policyholders that have many claims.
- Low Mileage Discounts – Fewer annual miles on your Nissan could qualify for better prices on cars that stay parked.
- Savings for New Vehicles – Insuring a new Titan is cheaper compared to insuring an older model.
- Discounts for Good Drivers – Accident-free drivers may save up to 50% more than drivers with accidents.
- Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Accident Waiver – This one is not really a discount per se, but some companies like Allstate and Progressive will allow you to have one accident before your rates go up if you are claim-free for a set time period.
- Theft Deterrent Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
You should keep in mind that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
Companies that may offer quotes with most of these discounts include:
If you need inexpensive Phoenix car insurance quotes, ask each company or agent how you can save money. Some credits might not apply in Phoenix. To choose insurance companies that provide some of the discounts listed above in Arizona, click here.
When to contact an agent
A lot of people still prefer to go talk to an agent and that is recommended in a lot of cases Agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is that you can find better rates and still have a local agent. Buying insurance from local insurance agents is definitely important in Phoenix.
Upon completion of this short form, your information is sent to insurance agents in Phoenix who will gladly provide quotes for your coverage. You don’t have to search for an agent since rate quotes are delivered to you instantly. In the event you want to quote rates for a specific company, you just need to go to their quote page and fill out their quote form.
When looking for a local insurance agency, you need to know there are two different types of agents and how they work. Agents can be categorized as either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but it is a good idea to know the difference in how they write coverage because it can impact the type of agent you choose.
Independent Auto Insurance Agents
Agents in the independent channel are not employed by one company so as a result can place your coverage through lots of different companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally and you don’t have to switch agencies.
If you are comparing rate quotes, it’s a good idea to get rate quotes from independent agents in order to have the best price comparison. Most have the option of insuring with less well-known companies who may have lower rates.
Below is a list of independent agents in Phoenix that can possibly get you free price quotes.
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map - Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
Exclusive Auto Insurance Agencies
Exclusive agencies can only provide one company’s prices such as AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. These agents receive extensive training on their company’s products and that allows them to sell at a higher price point. Some people will only use the same exclusive agent partially due to the brand name and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive insurance agents in Phoenix who can help you get comparison quotes.
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map - Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map - Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map
Selecting an auto insurance agent needs to be determined by more than just the quoted price. These questions are important to ask:
- When do they do policy reviews?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they have cheaper tiers of coverage?
- Did they already check your driving record and credit reports?
- Does the company have a local claim office in Phoenix?
Once you have good answers to these questions as well as an affordable premium quote, you may have found an insurance agent that will insure your vehicles.
One last note
Cheaper insurance in Phoenix is possible both online in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through local independent agents.
We just showed you many ways to shop for Nissan Titan insurance online. The key thing to remember is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced insurance comes from a small local company.
Drivers switch companies for many reasons like unfair underwriting practices, poor customer service, delays in responding to claim requests and being labeled a high risk driver. Whatever your reason, finding a new insurance company is not as difficult as it may seem.
Even more information is available in the articles below:
- Speed and Speed Limit FAQ (iihs.org)
- What Insurance is Cheapest for Infrequent Drivers in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for a Ford Escape? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Wrangler in Phoenix? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Institute)