2003 Nissan Xterra Insurance Rates – 7 Tips to Save

Looking for better auto insurance rates for your Nissan Xterra? Shopping for budget auto insurance over the internet might seem rather challenging for people who are new to comparing rates online. With such a big selection of agents and online companies available, how are we expected to efficiently compare every one to find better prices?

Finding car insurance

To find low cost quotes, there are a couple of ways of comparing rates from many available car insurance companies in your state. The best method to find the cheapest 2003 Nissan Xterra insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in several different ways.

The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This method eliminates the need for a different quote for each company. Taking the time to complete one form gets coverage cost estimates instantly. Recommended for those who want to invest the least amount of time.
A slightly less efficient method to get comparison quotes is to take the time to go to the website of each company to request a price quote. For examples sake, let’s say you want to get rates from State Farm, 21st Century and Progressive. You would have to go to every website and type in your information over and over, which can get rather old. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, do your best to use exactly the same quote information with every price quote. If you are comparing mixed coverages you can’t possibly get a fair rate comparison. Quoting even small variations in coverage limits may result in a large different in cost. And when comparison shopping, comparing all the rates in your area will enable you to find more affordable insurance. Some smaller insurers to not give prices over the internet, so you need to compare quotes from those companies as well.

Take advantage of these seven discounts

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so the list below details both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

Driver’s Education for Students – Require your teen driver to enroll in driver’s education as it can save substantially.
Professional Memberships – Having an affiliation with certain professional organizations is a good way to get lower rates on your next renewal.
Responsible Driver Discounts – Insureds without accidents may receive a discount up to 45% on Xterra insurance as compared to drivers with claims.
Lower Rates for Military – Having a deployed family member could qualify you for better car insurance rates.
Student Discounts – Being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Telematics Data – Drivers who elect to allow companies to study their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if their driving habits are good.
ABS Braking Discount – Cars equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

A partial list of companies that may offer policyholders these benefits are:

When getting free car insurance quotes, it’s a good idea to each company which discounts they offer. Some discounts listed above may not be offered everywhere. To locate insurance companies who offer free car insurance quotes, follow this link.

Special considerations

When it comes to buying coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

How does medical payments coverage work?
Does coverage extend to Mexico or Canada?
How can I get high-risk coverage after a DUI?
What is the minimum liability in my state?
Should I bundle my homeowners policy with my auto?
Do I have coverage if my license is suspended?
How high should deductibles be on a 2003 Nissan Xterra?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages for a Nissan Xterra

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Xterra.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Coverage for liability

This provides protection from damage or injury you incur to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, medical services and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane and fire damage. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as doctor visits, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, driving through your garage door, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.