Cheapest Insurance for a Nissan Xterra in San Diego

Would you like to stop wasting money and find more affordable car insurance rates in San Diego, CA? San Diego consumers have a choice when looking for the lowest priced Nissan Xterra insurance. You can either spend your time calling around to compare prices or use the internet to make rate comparisons.

There are more efficient ways to buy car insurance so you’re going to learn the proper way to quote coverages for a new or used Nissan and find the lowest possible price from both online companies and San Diego agents.

It’s a good idea to do rate comparisons periodically since insurance prices trend upward over time. Even if you got the best deal on Nissan Xterra insurance in San Diego at your last renewal you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn how to use the internet to find lower rates on car insurance.

If you have a current auto insurance policy or are looking for a new policy, use these techniques to shop for the lowest rates while maintaining coverages. Our objective is to instruct you on the most effective way to quote insurance and how to save the most money. Drivers just need to understand the most effective way to shop their coverage around on the web.

Do you qualify for discounts?

Auto insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden ways to save on insurance.

• Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
• Senior Discount – Drivers that qualify as senior citizens could receive lower premium rates.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% but check with your company.
• Policy Bundle Discount – If you can bundle your home and auto insurance and place coverage with the same company you may save at least 10% off all policies.
• Discount for Low Mileage – Driving less may enable drivers to earn better premium rates on cars that stay parked.
• Telematics Discount – San Diego drivers who agree to allow driving data submission to analyze driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.
• Claim-Free Discount – Claim-free drivers can save substantially when compared with accident-prone drivers.
• Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.

Policy discounts save money, but most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you can get free auto insurance, nobody gets a free ride. Any amount of discount should definitely cut your policy cost.

The best insurance companies and the discounts they provide include:

• GEICO has savings for anti-lock brakes, anti-theft, five-year accident-free, good student, seat belt use, and driver training.
• Travelers may have discounts that include good student, save driver, hybrid/electric vehicle, home ownership, new car, multi-policy, and student away at school.
• Nationwide discounts include family plan, accident-free, good student, multi-policy, business or organization, and defensive driving.
• Farmers Insurance may offer discounts for teen driver, business and professional, homeowner, youthful driver, alternative fuel, distant student, and switch companies.
• Esurance offers discounts for multi-car, safety device, online shopper, paid-in-full, and anti-theft.
• State Farm policyholders can earn discounts including passive restraint, good driver, defensive driving training, student away at school, and driver’s education.
• Progressive offers discounts including multi-policy, online signing, online quote discount, continuous coverage, homeowner, good student, and multi-vehicle.
• Mercury Insurance has discounts for multi-policy, good student, multi-car, professional/association, location of vehicle, good driver, and low natural disaster claims.

When getting a coverage quote, ask each company or agent to apply every possible discount. Depending on the company, some discounts may not be offered in San Diego.

How to get low cost Nissan Xterra insurance in San Diego, CA

Getting a cheaper price on Nissan Xterra insurance can be relatively painless. Drivers just need to spend a few minutes comparing rates from some recommended companies.

The following companies provide quotes in California. If the list has multiple companies, it’s a good idea that you visit several of them to get the best price comparison.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in specific garaging location which can lower or raise rates substantially.

Comparison of policy deductibles

The example below demonstrates how choosing different deductibles and can influence Nissan Xterra annual premium costs for each different age group. The rates are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Nissan Xterra auto insurance costs when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $250 deductibles, single female driver, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no definitive guideline of when to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Nissan Xterra settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying your deductible. If it’s costing in excess of $800 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Can higher deductibles save money?

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The premium rates below sum up how much more you’ll pay when you select higher and lower insurance deductibles. The first data table uses a $100 deductible and the second price chart uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific location information which can lower or raise rates considerably.

Based on this data, using a $100 deductible costs about $35 more each month or $420 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 26 months between claim filings, you would probably come out ahead if you elect the higher deductible.

Compare rates but buy from a local San Diego insurance agent

Certain consumers just want to get professional advice from a licensed agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help submit paperwork. An additional benefit of price shopping on the web is you can get lower premium rates and still have an agent to talk to. Putting coverage with local agencies is important particularly in San Diego.

To make it easy to find an agent, after completing this quick form, the coverage information is sent to participating agents in San Diego that give free quotes for your business. It’s much easier because you don’t need to leave your house due to the fact that quote results will go to you directly. If you have a need to get a price quote from a specific auto insurance provider, feel free to visit that company’s website and give them your coverage information.

Shown below are San Diego car insurance companies that may be able to provide price quote information for Nissan Xterra insurance in San Diego.

• Leavitt Group – Leavitt Insurance Agency of San Diego
  3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map
• Allstate Insurance: David James
  8333 Clairemont Mesa Blvd Ste 110 – San Diego, CA 92111 – (858) 278-4880 – View Map
• Dave Murphy – State Farm Insurance Agent
  12121 Scripps Summit Dr Ste 100 – San Diego, CA 92131 – (858) 621-6681 – View Map
• David Hiser – State Farm Insurance Agent
  910 Grand Ave #205 – San Diego, CA 92109 – (858) 272-2343 – View Map

View more San Diego agents

Selecting an insurance company requires you to look at more than just the quoted price. These are valid questions to ask:

• Is the agency active in community causes in San Diego?
• Does the agency have a current Errors and Omissions policy?
• How many companies do they write for?
• Do they assist clients in filing claims?
• Which company do they place the most coverage with?

One last note

You just learned some good ideas how you can shop for Nissan Xterra insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even be surprised to find that the lowest premium rates come from a lesser-known regional company.

Cost effective Nissan Xterra insurance can be bought both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not offer online rate quotes and these smaller companies only sell through independent insurance agents.

Consumers switch companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, policy cancellation and unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.

Even more information is available at these sites:

• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Who Has Affordable San Diego Car Insurance Rates for Drivers Under 21? (FAQ)
• What Insurance is Cheapest for Young Drivers in San Diego? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Equinox in San Diego? (FAQ)
• Vehicle Insurance (Wikipedia)
• How to Avoid Common Accidents (State Farm)