Lower Your 2005 Nissan Xterra Car Insurance Cost

Searching for lower car insurance rates for your Nissan Xterra? Feel like you have an overpriced car insurance policy? You’re in good company because there are a lot of people just like you who feel imprisoned by their car insurance policy.

Since vehicle owners have many choices, it’s difficult to locate the lowest cost car insurance company.

Compare auto insurance price quotes

Comparing auto insurance rates can be a lot of work if you don’t understand the easiest way. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies participate in an industry program that allows shoppers to submit one quote, and each company provides a quote. This system prevents you from having to do quote requests to every company.

To compare rates using this form now click to open in new window.

The only downside to getting quotes like this is you can’t choose which providers to receive prices from. If you prefer to choose from a list of companies to compare, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but double check that you are using identical coverages and limits with every price quote. If each company quotes higher or lower deductibles you can’t possibly determine the lowest rate for your Nissan Xterra. Slightly different limits could skew the results. Just keep in mind that getting more free quotes helps improve the odds of finding better pricing. Not every company provides online quotes, so it’s important to also get price quotes from them, too.

More discounts mean cheaper premiums

Insurance coverage is easily one of your largest bills, but discounts can save money and there are some available to reduce the price significantly. Some of these disounts will be visible when you get a quote, but some need to be specifically requested in order for you to get them.

  • Resident Student – Youth drivers who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
  • Senior Citizens – Mature drivers may qualify for lower premium rates for Xterra coverage.
  • Save with More Vehicles Insured – Drivers who insure multiple vehicles on one policy could earn a price break for each car.
  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premium rates.
  • New Car Discount – Insuring a new car can cost up to 25% less because newer models are generally safer.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn cheaper insurance coveragerates.
  • Policy Bundle Discount – When you have multiple policies with the same company you will save nearly 15% which can help you find inexpensive insurance.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Some companies that may include many of the previously listed discounts possibly include:

When comparing rates, check with each company which credits you are entitled to. Some discounts might not be offered on policies in your area.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover whether you would benefit from professional advice.

  • Is my trailer covered?
  • Am I covered when driving in Canada or Mexico?
  • What is medical payments coverage?
  • Is my camper covered by my car insurance policy?
  • Can I afford to buy a different vehicle if my 2005 Nissan Xterra is totaled?
  • Does coverage extend to my business vehicle?
  • Is my Nissan Xterra covered if I use it for business?
  • Is my cargo covered for damage or theft?
  • Is business property covered if stolen from my car?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Why you might pay higher rates

Many things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but some are less obvious like your vehicle usage or how safe your car is.

Shown below are some of the factors that factor into your prices.

  • Gals tend to take less risk – Statistics have proven that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Both sexes are in fender benders at about the same rate, but the male of the species tend to have more serious accidents. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Your employer and car insurance rates – Do you have a high-stress occupation? Occupations such as judges, architects and emergency personnel generally have the highest average rates due to high stress and lots of time spent away from family. On the other hand, occupations such as actors, athletes and retirees generally pay rates lower than average for Xterra coverage.
  • Bad drivers pay high costs – Drivers who don’t get tickets get better prices than bad drivers. Having a single speeding ticket may cause rates to rise twenty percent or more. Drivers who have gotten flagrant tickets like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with their state’s licensing department in order to prevent a license revocation.
  • Age of drivers impacts prices – Young drivers have been known to be less responsible when driving with friends therefore car insurance rates are much higher. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.
  • Reduce premiums by staying claim free – If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Companies generally give the best rates to insureds who only file infrequent claims. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Incidental coverages push up rates – Policies have extra bells and whistles that can waste your money but may not be useful. Coverage for things like roadside assistance, high-cost glass coverage, and term life insurance may be costing you every month. The coverages may be enticing at first, but if you don’t need them consider taking them off your policy.
  • Better rates on cars with good safety ratings – Cars with five star safety ratings cost less to insure. The safest vehicles have better occupant injury protection and lower rates of occupant injuries means lower claim amounts and thus lower rates. If the Nissan Xterra is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Vehicle features can affect prices – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft.

Learn about insurance coverages for a Nissan Xterra

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Liability coverage

Liability insurance protects you from damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, repair costs for stationary objects, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Xterra from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, driving through your garage door, crashing into a building, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Xterra.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, ambulance fees, funeral costs, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Knowledge is power

Lower-priced insurance coverage can be purchased from both online companies as well as from independent agents, and you should compare rates from both so you have a total pricing picture. Some insurance coverage companies may not provide online price quotes and usually these small insurance companies only sell coverage through independent insurance agents.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

More detailed insurance coverage information can be found in these articles: