Compare 2002 Nissan Xterra Car Insurance Quotes

Searching for better car insurance rates for your Nissan Xterra? Having to pay for overpriced car insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Many insurers compete to insure your vehicles, and it can be difficult to compare rates and get the definite lowest rate

You should make it a habit to get comparison quotes before your policy renews due to the fact that insurance rates change quite often. Just because you found the best deal on Xterra coverage two years ago a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the tricks you need to know to reduce your cost while improving coverage.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked about before being credited.

  • No Charge for an Accident – A few companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in school.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous. But any discount will cut the cost of coverage.

To see a list of insurers offering car insurance discounts, click here.

Situations that might require an agent

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions may help you determine if your situation might need professional guidance.

  • Is my state a no-fault state?
  • Can I drive in Mexico and have coverage?
  • What are the best liability limits?
  • What can I do if my company denied a claim?
  • What if I don’t agree with a claim settlement offer?
  • Why does it cost so much to insure a teen driver?
  • Where can I find DUI or SR-22 insurance?
  • Is my custom paint covered by insurance?
  • Is pleasure use cheaper than using my 2002 Nissan Xterra to commute?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make the same claim that you’ll save big if you switch your coverage to them. How does each company claim to save you money?

All companies have a certain “appetite” for the right customer that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. A propective insured who matches those parameters will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don’t qualify for the requirements will be charged higher premiums which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently make those claims.

That is why you should compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest Nissan Xterra insurance rates.

Auto insurance 101

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as EMT expenses, rehabilitation expenses, nursing services, pain medications and hospital visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage will cover damage that occurs to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, bail bonds, repair costs for stationary objects, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your Xterra from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Xterra.

Since 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. Frequently these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, falling objects, vandalism, rock chips in glass and damage from flooding. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Make a quick buck

Budget-conscious 2002 Nissan Xterra insurance is available online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

We just covered many ideas to get a better price on insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even discover the lowest premiums are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

When buying insurance coverage, do not buy less coverage just to save a little money. In many cases, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your aim should be to get the best coverage possible for the lowest price.

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