2016 Nissan Titan XD Insurance Cost – 8 Savings Tips

Trying to find the cheapest car insurance rates for your Nissan Titan XD? Comparing and finding cheaper coverage rates for car insurance could be challenging for drivers not familiar with online rate comparisons. With such a large number of agents and insurers available, it can easily turn into a big hassle to compare coverage rates.

If you have car insurance now, you should be able to save some money using this strategy. Finding cheaper car insurance is easy if you know what you’re doing. But consumers do need to know how companies compete online and use this information to your advantage.

Lower rate quotes with these eight discounts

Auto insurance companies don’t always publicize every policy discount very clearly, so here is a list a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease for Titan XD coverage depending on your insurance provider.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Early Switch Discount – A few larger companies allow discounts for buying a new policy before your current policy expires. The savings is around 10%.
  • Professional Memberships – Joining a professional or civic organization may earn a discount on your bill.
  • Paper-free Discount – A few insurance companies will give you a small discount for buying your policy digitally online.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer models are generally safer.
  • Driver Safety – Participating in a driver safety course is a good idea and can lower rates if you qualify.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.

A list of companies and some of the premium reductions they offer are detailed below.

  • Geico offers discounts for multi-vehicle, daytime running lights, five-year accident-free, anti-lock brakes, and air bags.
  • Travelers policyholders can earn discounts including early quote, good student, IntelliDrive, multi-car, payment discounts, hybrid/electric vehicle, and new car.
  • Nationwide may offer discounts for defensive driving, multi-policy, business or organization, family plan, easy pay, and Farm Bureau membership.
  • Farmers Insurance has savings for business and professional, teen driver, bundle discounts, pay in full, and homeowner.
  • Esurance may have discounts that include safety device, Switch & Save, multi-policy, defensive driver, and anti-lock brakes.
  • State Farm discounts include good driver, Steer Clear safe driver discount, multiple autos, safe vehicle, accident-free, and passive restraint.
  • Progressive includes discounts for online quote discount, continuous coverage, online signing, good student, homeowner, and multi-vehicle.
  • Mercury Insurance offers premium reductions for good student, professional/association, anti-theft, location of vehicle, and ease of repair.

When quoting, ask all the companies what discounts are available to you. Some of the discounts discussed earlier might not apply in every state. For a list of insurance companies who offer discounts, follow this link.

What is the best auto insurance coverage?

When it comes to buying coverage, there really is not a cookie cutter policy. Every situation is different.

For instance, these questions might point out whether or not you will benefit from professional help.

  • How much liability do I need to cover my assets?
  • Am I covered if I break a side mirror?
  • Is my 2016 Nissan Titan XD covered for smoke damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I benefit by insuring my home with the same company?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance 101

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, damage from getting keyed, theft and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, dental work and funeral costs. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Collision protection

This covers damage to your Titan XD resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability

This coverage protects you from damages or injuries you inflict on other people or property. Split limit liability has three limits of coverage: 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 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, medical expenses, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Titan XD.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Pennies from heaven

Cheaper 2016 Nissan Titan XD insurance is attainable on the web and from local insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer online quoting and usually these smaller providers provide coverage only through independent insurance agencies.

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for many reasons like delays in paying claims, denial of a claim, poor customer service or even policy non-renewal. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

Other learning opportunities