2012 Nissan Xterra Insurance Quotes – 7 Policy Discounts

Searching for better insurance rates for your Nissan Xterra? Having to pay for pricey insurance can deplete your accounts and force you to tighten up your finances. Comparing rates annually is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

Many insurance companies vie for your business, so it’s not easy to compare every insurer to get the best rates possible.

If you have insurance now or are just looking to switch companies, you will benefit by learning to cut your premiums while maintaining coverages. Buying car insurance is quite easy. Drivers only need an understanding of the most effective way to shop their coverage around online.

You may qualify for discounts

Insurance coverage is expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts will apply when you complete an application, but occassionally some discounts must be asked about prior to getting the savings.

  • Bundle and Save – When you combine your auto and home insurance with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Multiple Vehicles – Having more than one vehicle on one policy could earn a price break for each car.
  • College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks off the medical payments premium.
  • Braking Control Discount – Cars and trucks with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Discount – Just being a homeowner can save you money since home ownership means you have a higher level of financial diligence.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Xterra coverage compared to accident prone drivers.

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, it’s just not the way it works.

Companies and a summarized list of policyholder discounts can be found below.

  • State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, student away at school, anti-theft, and passive restraint.
  • Geico may have discounts that include multi-vehicle, five-year accident-free, air bags, federal employee, good student, and anti-lock brakes.
  • SAFECO offers discounts including teen safe driver, bundle discounts, anti-lock brakes, multi-car, accident prevention training, and safe driver.
  • Farmers Insurance may offer discounts for bundle discounts, distant student, homeowner, electronic funds transfer, and multi-car.
  • AAA offers discounts for good student, multi-policy, good driver, multi-car, anti-theft, education and occupation, and AAA membership discount.
  • USAA offers premium reductions for new vehicle, military installation, vehicle storage, annual mileage, multi-policy, defensive driver, and loyalty savings.

When quoting, ask each insurance company the best way to save money. Some discounts might not be available to policyholders in your area.

Compare insurance rate quotes

Reducing your 2012 Nissan Xterra insurance rates isn’t really that difficult. The only requirement is to spend a few minutes to compare rate quotes from different insurance companies. Rate comparisons can be done using one of these methods.

  1. The easiest and least time consuming way to find low rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Just one form gets rate comparisons from multiple low-cost companies.
  2. A slightly less efficient method to obtain and compare quotes online consists of visiting the website for each individual company and get a separate price quote. For instance, we’ll pretend you want to see prices from Liberty Mutual, Safeco and Farmers. You would be required to navigate to each company’s site to input your insurance information, which is why the first method is quicker. For a list of companies in your area, click here.

Whichever way you use, ensure you’re using nearly identical coverages and limits with each company. If each company quotes different liability limits it will be very difficult to determine the best price for your Nissan Xterra.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Is my dog or cat covered if injured in an accident?
  • How high should deductibles be on a 2012 Nissan Xterra?
  • When should I not file a claim?
  • What vehicles should carry emergency assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Insurance coverage basics

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 2012 Nissan Xterra.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, hospital visits, dental work, prosthetic devices and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your Xterra caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, a broken windshield and hail damage. The most 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.

Never pay more for less

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. In many instances, drivers have reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

We’ve covered some good ideas how you can get a better price on 2012 Nissan Xterra insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from the smaller companies. These companies often have lower car insurance rates on specific markets compared to the large companies like State Farm, Geico and Nationwide.

Additional insurance information can be found on the following sites: