Save Money on Nissan Xterra Insurance in Lubbock

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Insurance rates Nissan Xterra in LubbockReally, the only way to quote cheaper Nissan Xterra insurance is to compare prices at least once a year from different companies in Lubbock.

Step 1: Spend a few minutes and learn about how insurance companies determine prices and the modifications you can make to prevent rate increases. Many rating criteria that increase rates such as your driving record and poor credit history can be rectified by making minor driving habit or lifestyle changes. Keep reading for more information to find cheap rates and find overlooked discounts.

Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple sources. Compare rates now

Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money, make sure there is no coverage gap between policies.

Step 4: Provide notification to your current company to cancel your current car insurance policy and submit the required down payment along with the signed application for the new coverage. Once received, safely store the certificate verifying coverage in an easily accessible location in your vehicle.

A valuable tip to remember is to try to use the same liability limits and deductibles on each quote and and to analyze as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and the best price selection.

Everyone knows that car insurance companies want to keep you from comparing rates. Consumers who shop around at least once a year will probably buy a different policy because of the high probability of finding coverage at a cheaper rate. A recent survey revealed that people who compared prices once a year saved over $3,450 over four years compared to people who never shopped around for lower prices.

If finding the best rates on car insurance in Lubbock is your intention, then learning a little about how to shop for insurance can help simplify the task of finding more affordable coverage.

Companies offering Nissan Xterra insurance in Texas

The companies shown below offer price comparisons in Texas. To get the best car insurance in Lubbock, it's a good idea that you get price quotes from several of them to get the best price comparison.

Statistics and details

The rate table shown below covers a range of policy rates for Nissan Xterra models. Learning how car insurance prices are figured is important for drivers to make smart choices when choosing a car insurance company.

Nissan Xterra Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $246 $392 $430 $26 $128 $1,222 $102
Xterra S 2WD $246 $392 $430 $26 $128 $1,222 $102
Xterra S 4WD $246 $392 $430 $26 $128 $1,222 $102
Xterra X 4WD $246 $392 $430 $26 $128 $1,222 $102
Xterra Off Road 4WD $282 $502 $430 $26 $128 $1,368 $114
Xterra SE 2WD $282 $502 $430 $26 $128 $1,368 $114
Xterra SE 4WD $282 $502 $430 $26 $128 $1,368 $114
Get Your Own Custom Quote Go

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle location which can lower or raise premium rates significantly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is at what level do you set your deductibles. The rates shown below can help show the rate fluctuation when you buy lower versus higher deductibles. The first pricing table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

Nissan Xterra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $256 $320 $382 $22 $114 $1,119 $93
Xterra S 2WD $256 $320 $382 $22 $114 $1,119 $93
Xterra S 4WD $256 $320 $382 $22 $114 $1,119 $93
Xterra X 4WD $256 $320 $382 $22 $114 $1,119 $93
Xterra Off Road 4WD $294 $408 $382 $22 $114 $1,245 $104
Xterra SE 2WD $294 $408 $382 $22 $114 $1,245 $104
Xterra SE 4WD $294 $408 $382 $22 $114 $1,245 $104
Get Your Own Custom Quote Go
Nissan Xterra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $208 $258 $382 $22 $114 $984 $82
Xterra S 2WD $208 $258 $382 $22 $114 $984 $82
Xterra S 4WD $208 $258 $382 $22 $114 $984 $82
Xterra X 4WD $208 $258 $382 $22 $114 $984 $82
Xterra Off Road 4WD $240 $328 $382 $22 $114 $1,086 $91
Xterra SE 2WD $240 $328 $382 $22 $114 $1,086 $91
Xterra SE 4WD $240 $328 $382 $22 $114 $1,086 $91
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in your specific Lubbock location which can impact premiums significantly.

Based on the above data, using a $250 deductible could cost the average driver approximately $12 more each month or $144 a year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 21 months between claims, you would probably be better off by selecting a higher deductible.

The example below demonstrates how choosing different deductibles and can change Nissan Xterra insurance costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Accidents and violations increase rates

The illustration below shows how traffic citations and accident claims impact Nissan Xterra insurance rates for each different age group. The premiums assume a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Price comparison of only insuring for liability

The example below visualizes the comparison of Nissan Xterra insurance rates with full physical damage coverage compared to only buying liability only. The data is based on no claims, a clean driving record, $500 deductibles, single status, and no other discounts are factored in.

When to drop full coverage

There is no set rule of when to stop paying for physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's say your Nissan Xterra book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If it's costing you more than $700 a year for full coverage, then it may be the right time to buy liability only.

There are some cases where dropping full coverage is not a good plan. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.

Auto insurance quotes and discounts

Auto insurance is not inexpensive, but you can get discounts that you may not know about. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be asked about before you will receive the discount. If you check and find you aren't receiving every discount available, you are just wasting money.Cheaper auto insurance with discounts

  • Student Driver Training - Have your child take driver's ed class in high school.
  • Multiple Policy Discount - If you have multiple policies and insure them both with the same insurance company you may save nearly 15% which can help you find low cost Nissan Xterra insurance.
  • Discounts for Good Drivers - Insureds who avoid accidents may save up to 50% more than drivers with accident claims.
  • Save with a New Car - Insuring a new Xterra can save up to 30% compared to insuring an older model.
  • Student Discounts - Getting good grades can get you a discount of up to 25%. You can use this discount normally up to age 25.
  • Sign Online - A few larger online companies provide a small discount for buying your policy on the internet.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts will reduce your policy cost.

The diagram below visualizes the comparison of Nissan Xterra premium costs with and without discounts applied to the premium. The information is based on a female driver, no violations or claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, safe-driver, and marriage discounts applied.

Large auto insurance companies and some of the premium reductions they offer are shown below.

  • GEICO includes discounts for anti-lock brakes, military active duty, five-year accident-free, good student, anti-theft, and air bags.
  • MetLife offers premium reductions for good student, claim-free, multi-policy, accident-free, and defensive driver.
  • Progressive offers discounts for continuous coverage, multi-vehicle, multi-policy, good student, and online signing.
  • Travelers has savings for continuous insurance, save driver, multi-car, home ownership, student away at school, new car, and multi-policy.
  • SAFECO may offer discounts for teen safety rewards, anti-theft, homeowner, teen safe driver, and drive less.
  • AAA policyholders can earn discounts including education and occupation, pay-in-full, good student, anti-theft, good driver, multi-car, and AAA membership discount.

Double check with each insurance company to apply every possible discount. Savings might not be offered on policies in your state.

How Your Xterra Insurance Prices are Determined

Lots of factors are considered when premium rates are determined. Some are obvious such as traffic violations, but others are more transparent like your continuous coverage or your commute time. Consumers need to have an understanding of the factors that help determine insurance rates. When you understand what controls the rates you pay, this allows you to make educated decisions that could result in much lower annual insurance costs.

  • Save money with high credit - Having a bad credit rating is a large factor in calculating your premium rate. Insureds that have excellent credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit rating can use some improvement, you may save money insuring your Nissan Xterra by improving your credit score.
  • Gender is a factor - Statistics have proven women are more cautious behind the wheel. This data doesn't prove that women are BETTER drivers than men. Women and men are in auto accidents in similar percentages, but the men cause more damage. Men also receive more costly citations like DWI (DUI) or reckless driving.

    The information below visualizes the comparison of Nissan Xterra premium costs for male and female drivers. The premiums are based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.

  • File insurance claims and pay more - Auto insurance companies in Texas give the best rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Getting married can lower costs - Having a wife or husband actually saves money when shopping for insurance. Marriage generally demonstrates drivers are more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.
  • Put fewer miles on your vehicle - The higher the miles on your Nissan every year the more you'll pay to insure your vehicle. Most companies calculate rates based on how the vehicle is used. Autos that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. Double check that your insurance coverage states the correct usage. A policy that improperly rates your Xterra can cost quite a bit.
  • Insurance loss statistics a Nissan Xterra - Companies analyze claim trends for every vehicle to help determine the price you pay. Models that statistically have higher loss trends will be charged more to insure.

    The next table shows the insurance loss data used by companies for Nissan Xterra vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Percentages below 100 mean the vehicle has better than average losses, while numbers above 100 indicate more frequent losses or an increased probability of a larger loss.

    Nissan Xterra Insurance Claim Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Nissan Xterra 4dr 2WD 57 95 45
    Nissan Xterra 4dr 4WD 62 100 63 59 77 86
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local Lubbock auto insurance agents and auto insurance

Many people still like to sit down and talk to an agent and that is not a bad decision The biggest benefit of getting free rate quotes online is the fact that you can find cheap auto insurance rates and still have an agent to talk to.

Insurance agents in LubbockTo help locate an agent, after submitting this quick form, the coverage information is submitted to companies in Lubbock that can provide free Lubbock car insurance quotes for your insurance coverage. It's much easier because you don't need to find an agent on your own since rate quotes are delivered to you directly. You can most likely find cheaper rates without requiring a lot of work. If you have a need to compare rates from a specific auto insurance provider, you would need to visit that company's website and complete a quote there.

Choosing the best company should depend on more than just the premium amount. These are some valid questions you should ask.

  • Is insurance their full-time profession?
  • What insurance companies do they work with in Lubbock?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Are there any discounts for paying up front?
  • Is the coverage adequate for your vehicle?
  • Which insurance company do they prefer to write with?

What types of auto insurance agents are in Lubbock?

If you're trying to find local Lubbock agents, it can be helpful to understand the different types of agents to choose from. Agents are considered either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

These agents normally can only provide a single company's rates such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on their company's products and that allows them to sell at a higher price point. Some consumers prefer to buy from the same agent for years primarily because of the brand legacy and the convenience of having all coverages with one company.

Shown below are exclusive agents in Lubbock who may provide you with comparison quotes.

More Lubbock agents

Independent Agents (or Brokers)

Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with multiple insurance companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage and you don't have to do anything.

When comparing auto insurance rates, you need to get insurance quotes from several independent agencies to have the best price comparison. A lot of them also have access to companies that do not advertise much which could offer lower prices.

The following are independent insurance agents in Lubbock who can help you get rate quotes.

More Lubbock agents

Don't give up on cheap premiums

More affordable car insurance in Lubbock is available both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not offer price quotes online and most of the time these small insurance companies work with independent insurance agencies.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your objective should be to get the best coverage possible at the best possible price.

People leave their current company for a variety of reasons including high rates after DUI convictions, poor customer service, questionable increases in premium and even denial of a claim. Regardless of your reason, finding a great new company is less work than it seems.

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