Compare 2002 Nissan Xterra Insurance Quotes

Looking for cheaper auto insurance rates for your Nissan Xterra? Nobody I know is fond of buying auto insurance, in particular when the prices are way too high. Due to the fact that there are so many options when it comes to auto insurance, it’s nearly impossible to choose a lower cost company.

It’s a good idea to compare rates as often as possible because auto insurance prices fluctuate regularly. Even if you got the lowest quotes on Xterra insurance a couple years back you will most likely find a better rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.

Cheap car insurance rates with discounts

Some insurers don’t always advertise every possible discount very well, so the following is a list of a few of the more well known and also the more inconspicuous credits available to bring down your rates.

  • Telematics Devices – People who choose to allow their insurance company to study driving patterns remotely such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
  • Military Deployment Discount – Having an actively deployed family member could be rewarded with lower car insurance rates.
  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
  • Multiple Cars – Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Accident Forgiveness Coverage – but some insurance companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Auto/Life Discount – If the company offers life insurance, you could get a break if you buy life insurance.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings because of the fact that having a home is proof that your finances are in order.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.

As a footnote on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut your overall premium however.

Some of the insurance companies that may offer policyholders most of these discounts may include but are not limited to:

When getting free car insurance quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Some discounts might not apply in your area. To locate insurance companies who offer discounts, follow this link.

Four factors that impact insurance rates

Multiple criteria are taken into consideration when quoting car insurance. Some of the criteria are obvious such as traffic violations, although some other factors are less apparent such as your credit history or how financially stable you are.

The items below are some of the most rate-impacting factors used by your company to calculate rates.

  • More stress means more cost – Did you know your car insurance rates can be affected by your occupation? Occupational choices like military personnel, business owners and financial analysts generally pay the highest rates in part from job stress and lengthy work days. Other careers such as professors, historians and performers receive lower rates on Xterra insurance.
  • Liability coverage limits on your policy – A critical coverage on your policy, liability insurance provides coverage in the event that you are found to be at fault for damages caused by your negligence. Liability provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Where do you drive? – The higher the miles on your Nissan every year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Cars that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Improper usage on your Xterra can cost quite a bit. Double check that your declarations sheet properly reflects the correct usage, because it can save money.
  • Vehicle theft costs us all – Driving a car that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft and help bring rates down.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out if you would benefit from professional advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving a rental car?
  • How high should deductibles be on a 2002 Nissan Xterra?
  • Are rental cars covered under my policy?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Beware of misleading insurance coverage ads

Drivers constantly see and hear ads for cheaper insurance coverage by State Farm, Geico and Progressive. All the companies advertise claims about saving some big amount after switching your coverage.

How can each company charge you less for car insurance? It’s all in how they say it.

Insurance companies have specific characteristics for the type of driver that earns them a profit. For instance, this type of risk profile may need to be over the age of 40, owns a home, and drives a vehicle with a low ISO rating. Any new insured that hits that “sweet spot” will get low prices and will most likely save some money.

People who don’t measure up to these stringent criteria will be charged higher prices and the customer not purchasing. The ads state “customers who switch” not “everyone that quotes” save the amount stated. That’s the way companies can truthfully make those statements.

Because of the profiling, you need to get car insurance quotes from several different companies. It’s just too difficult to predict the company that will give you the biggest savings.

What insurance coverages do you need?

Having a good grasp of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, pain medications and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Xterra.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are set the same as your liablity limits.

Collision coverage – This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, rolling your car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability – This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like structural damage, repair costs for stationary objects, pain and suffering, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

The bottom line

In this article, we covered some good ideas how to compare 2002 Nissan Xterra insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. You may even discover the most savings is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

When getting car insurance quotes online, you should never buy less coverage just to save a little money. In too many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

More detailed car insurance information is located at these sites: