Affordable Nissan Xterra Insurance in Phoenix

Do you think you bought an overpriced car insurance policy? Believe me when I say many Phoenix consumers are in the same pinch.

Shocking but true, the vast majority of consumers kept their policy with the same company for four years or more, and about 40% of consumers have never compared rate quotes at all. Arizona consumers could save almost 50% each year, but they just don’t want to save money by comparing rate quotes.

Lots of car insurance companies contend to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate on Nissan Xterra insurance in Phoenix.

It’s important to compare rates before your policy renews because car insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Nissan Xterra insurance in Phoenix a year ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn the only way to reduce your cost while improving coverage.

Which Nissan Xterra insurance is cheapest in Phoenix, AZ?

It’s important to know that comparing more rates from different companies will enable you to find better pricing. Some insurance companies are not set up to provide online rate quotes, so you need to compare quotes from them as well.

The companies shown below offer free rate quotes in Arizona. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can revise coverage prices considerably.

Comparison of auto insurance rates by gender

The illustration below shows the difference between Nissan Xterra auto insurance rates for male and female drivers. The premiums assume no claims or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.

Accidents and violations increase rates

The diagram below demonstrates how speeding tickets and accidents raise Nissan Xterra insurance costs for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Rate comparison for different deductibles

The hardest decision when buying coverage is what deductibles to buy. The following tables may aid in understanding how much more rates are between high and low comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can increase or decrease auto insurance rates noticeably.

Based on the figures above, using a $100 deductible costs about $16 more each month or $192 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 25 months between claim filings, you would probably come out ahead by going with a higher deductible.

Phoenix insurance discounts

Companies don’t list the entire discount list in an easy-to-find place, so the next list breaks down both well-publicized in addition to some of the lesser obvious credits that may apply to you.

• Use Seat Belts – Forcing all vehicle occupants to buckle up may be able to save a few bucks off the personal injury premium cost.
• Senior Citizen Discount – Older drivers could receive lower premium rates.
• Discount for New Cars – Adding a new car to your policy may earn a small discount compared to insuring an older model.
• One Accident Forgiven – Not really a discount, but some companies like GEICO, Allstate and Liberty Mutual may permit one accident without raising rates as long as you don’t have any claims for a specific time period.
• ABS Braking Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
• Discount for Multiple Policies – If you insure your home and vehicles with the same company you could earn a discount of up to 20% and get you low cost Nissan Xterra insurance.
• Resident Student – Kids who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
• Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you may have a lower total premium amount.
• Lower Rates for Military – Being on active duty in the military may lower your insurance rates slightly.

Remember that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.

If you would like to view companies who offer cheap Nissan Xterra insurance quotes in Phoenix in Phoenix, follow this link.

Local Phoenix auto insurance agents and auto insurance

Many people just want to have an agent’s advice and that can be a smart move A good thing about price shopping on the web is that drivers can save money and get the best rates but still work with a licensed agent.

By using this form (opens in new window), your information is instantly submitted to participating agents in Phoenix that can provide free Phoenix car insurance quotes for your insurance coverage. You won’t need to even leave your home due to the fact that quote results will go to you. You can get cheaper auto insurance rates and work with a local agent. If you wish to get a price quote from a particular provider, you can always jump over to their website and complete a quote there.

Finding the right company requires more thought than just the quoted price. These are some questions your agent should answer.

• Can they give you a list of client referrals?
• Is assistance available after office hours?
• Can you contact them at any time?
• Are they paid to recommend certain coverages?
• How long have they worked with personal auto insurance coverage?
• What company holds the largest book of business for them?
• Is the agency covered by Errors and Omissions coverage?
• If they are an independent agency in Phoenix, which companies do they recommend?

When researching a local insurance agency, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Auto insurance agents in Phoenix can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Exclusive agencies can only write with one company such as State Farm, AAA, and Liberty Mutual. They generally cannot give you multiple price quotes so you might not find the best rates. Exclusive insurance agents are highly trained on their company’s products which helps overcome the inability to quote other rates.

Listed below are Phoenix exclusive agents who can help you get rate quotes.

View more Phoenix agents

Independent Agencies or Brokers

Independent insurance agents can sell policies from many different companies so they can quote policies through lots of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.

When comparing rate quotes, it’s recommended you check rates from independent agents so that you have a good selection of quotes to compare.

The following is a list of independent agents in Phoenix that are able to give comparison quotes.

View more Phoenix agents

Why do I need car insurance?

Even though it can be expensive, insurance may be mandatory for several reasons.

• The majority of states have mandatory insurance requirements which means state laws require a specific minimum amount of liability insurance in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Nissan Xterra with a loan, it’s most likely the lender will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Nissan at a more expensive rate and require you to pay the higher premium.
• Car insurance preserves both your assets and your car. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Xterra are without a doubt worth the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is overpaying over $869 every year so it’s important to compare rates at least once a year to ensure rates are inline.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, falling objects, fire damage and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for X-ray expenses, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for collisions

This covers damage to your Xterra resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your Xterra in order to get cheaper collision rates.

Liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and $10,000 of coverage for damaged property.

Liability can pay for claims such as funeral expenses, medical expenses, medical services and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits (which is 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Persistence will pay off

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

We just showed you some good ideas how to reduce Nissan Xterra insurance rates online in Phoenix. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from a small local company. Regional companies often have lower auto insurance rates on specific markets compared to the large companies like Progressive or GEICO.

More information can be found below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Who Has Affordable Car Insurance Rates for Drivers with a Bad Driving Record in Phoenix? (FAQ)
• How Much are Phoenix Car Insurance Rates for a Jeep Grand Cherokee? (FAQ)
• Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
• Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
• Drunk Driving Statistics (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)