Cheap Quotes for Nissan Titan Insurance in Lubbock

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Are you doing reasearch to find the cheapest Nissan Titan insurance in Lubbock? Do you get exhausted from scraping the payment together to pay high auto insurance rates every month? You're in the same situation as most other consumers in Texas.

Discount Nissan Titan insuranceA recent NerdWallet.com study revealed that a large majority of drivers have bought auto insurance from the same company for well over three years, and almost 40% of drivers have never compared quotes from other companies. Most drivers in Lubbock could save an average of nearly $1,800 each year just by comparing rates, but they don't know the amount of savings they would get if they replace their high priced policy.

Steps to buying low-cost Nissan Titan insurance in Lubbock

It takes a little time, but the best way to save money on auto insurance rates in Lubbock is to begin comparing prices regularly from providers who provide auto insurance in Texas.

  1. Spend a few minutes and learn about what coverages are included in your policy and the modifications you can make to keep rates down. Many rating criteria that are responsible for high rates such as speeding tickets, careless driving and poor credit history can be remedied by improving your driving habits or financial responsibility.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies. Click to view companies
  3. Compare the quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Give proper notification to your current agent or company of your decision to cancel the current policy and submit a signed application and payment to the new company. As soon as coverage is bound, place the new certificate verifying proof of insurance in an easily accessible location.

One tip to remember is that you'll want to make sure you compare the same deductibles and limits on each price quote and and to get rates from as many car insurance companies as possible. This provides an accurate price comparison and plenty of rates choose from.

There are many auto insurance companies to buy insurance from, and although it's nice to be able to choose, having more car insurance companies makes it harder to find the lowest rates for Nissan Titan insurance in Lubbock.

How do Insurers Determine Nissan Titan Insurance Costs?

Smart consumers have a good feel for the rating factors that help calculate the price you pay for insurance. If you have some idea of what influences your rates, this allows you to make good choices that could result in lower insurance prices.

Lower prices with alarm systems - Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Systems that thwart thieves such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

Don't get traffic citations - Your driving record impacts premiums far more than you think. Good drivers pay lower auto insurance prices as compared to those with violations. Even a single ticket can boost insurance rates to the point where it's not affordable. Drivers with careless violations such as reckless driving, hit and run or driving under the influence are required to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

The example below highlights how traffic violations and at-fault fender-benders can raise Nissan Titan auto insurance costs for different categories of driver ages. The costs are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Why do you need liability coverage? - Liability insurance provides coverage in the event that you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so do not cut corners here.

Cheaper prices with safer cars - Safe vehicles are cheaper to insure. Vehicles engineered for safety protect occupants better and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy.

Costs and your address - Choosing to live in a rural area has it's advantages when trying to find low car insurance rates. Urban drivers tend to have congested traffic and more severe claims. Fewer drivers means fewer accidents and lower theft and vandalism rates.

Age of drivers impacts rates - Older, more experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and are safer drivers. Young drivers tend to be careless and easily distracted when at the wheel of a vehicle so they pay higher insurance rates.

The next chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Good credit saves on insurance - Your credit history is likely to be a major factor in determining premium rates. If your credit leaves room for improvement, you could be paying less to insure your Nissan Titan by spending a little time repairing your credit. People that have high credit scores tend to be less risk to insure as compared to drivers with poor credit.

Nissan Titan claim statistics - Auto insurance companies analyze claim trends for every vehicle when they set coverage costs for each model. Models that the statistics show to have higher losses will have increased rates. The table below shows the insurance loss data used by companies for Nissan Titan vehicles.

For each coverage category, the loss probability for all vehicles combined as an average is considered to be 100. Percentage values below 100 are indicative of better than average losses, while percentages above 100 point to more frequent losses or a tendency for claims to be larger.

Nissan Titan Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Titan Crew Cab 2WD 95 127 120
Nissan Titan Crew Cab 4WD 95 137 109 77 99 108
Nissan Titan Ext Cab 2WD 117 111
Nissan Titan Ext Cab 4WD 106 107
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Nissan Titan detailed coverage information

The information displayed next highlights a range of prices for Nissan Titan models. Knowing how auto insurance premiums are calculated can benefit drivers when making smart choices when comparing insurance rates.

Nissan Titan Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $282 $610 $430 $26 $128 $1,476 $123
Titan XE King Cab 2WD $318 $610 $538 $32 $162 $1,660 $138
Titan XE Crew Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Titan SE King Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Titan XE Crew Cab 2WD $318 $610 $538 $32 $162 $1,660 $138
Titan SE King Cab 2WD $318 $610 $538 $32 $162 $1,660 $138
Titan SE Crew Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Titan Pro-4X King Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Titan SE Crew Cab 2WD $318 $718 $538 $32 $162 $1,768 $147
Titan Pro-4X Crew Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Titan LE Crew Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Titan LE Crew Cab 2WD $354 $718 $538 $32 $162 $1,804 $150
Get Your Own Custom Quote Go

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific zip code location which can impact premiums greatly.

Insurance deductibles

A question often asked by Lubbock drivers is how high should the physical damage deductibles be. The comparison tables below can help illustrate the cost difference of buying low and high physical damage coverage deductibles. The first data set uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Nissan Titan insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $294 $496 $382 $22 $114 $1,333 $111
Titan XE King Cab 2WD $332 $496 $476 $28 $142 $1,499 $125
Titan XE Crew Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Titan SE King Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Titan XE Crew Cab 2WD $332 $496 $476 $28 $142 $1,499 $125
Titan SE King Cab 2WD $332 $496 $476 $28 $142 $1,499 $125
Titan SE Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Titan Pro-4X King Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Titan SE Crew Cab 2WD $332 $584 $476 $28 $142 $1,587 $132
Titan Pro-4X Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Titan LE Crew Cab 4WD $332 $584 $382 $22 $114 $1,459 $122
Titan LE Crew Cab 2WD $370 $584 $476 $28 $142 $1,625 $135
Get Your Own Custom Quote Go
Nissan Titan insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $240 $400 $382 $22 $114 $1,158 $97
Titan XE King Cab 2WD $270 $400 $476 $28 $142 $1,316 $110
Titan XE Crew Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Titan SE King Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Titan XE Crew Cab 2WD $270 $400 $476 $28 $142 $1,316 $110
Titan SE King Cab 2WD $270 $400 $476 $28 $142 $1,316 $110
Titan SE Crew Cab 4WD $270 $472 $382 $22 $114 $1,260 $105
Titan Pro-4X King Cab 4WD $270 $472 $382 $22 $114 $1,260 $105
Titan SE Crew Cab 2WD $270 $472 $476 $28 $142 $1,388 $116
Titan Pro-4X Crew Cab 4WD $270 $472 $382 $22 $114 $1,260 $105
Titan LE Crew Cab 4WD $270 $472 $382 $22 $114 $1,260 $105
Titan LE Crew Cab 2WD $300 $472 $476 $28 $142 $1,418 $118
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in specific garaging location which can raise or lower price quotes significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $15 more each month or $180 annually across all Nissan Titan models than opting for the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 17 months between claim filings, you would save more money by selecting a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): - $107
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important note is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. You should have some savings in the event you have to pay more for the deductible.

The illustration below illustrates how your deductible choice and can affect Nissan Titan insurance costs for different ages of insureds. The premiums assume a single male driver, full coverage, and no other discounts are factored in.

Gender differences in insurance premiums

The information below illustrates the comparison of Nissan Titan auto insurance rates for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Lower rate quotes by getting discounts

Some companies don't list their entire list of discounts very clearly, so we break down a few of the more common and also the more inconspicuous ways to save on car insurance.Discount car insurance

  • Discounts for Multiple Vehicles - Purchasing coverage when you have all your vehicles on one policy can get a discount on all vehicles.
  • Professional Memberships - Belonging to certain professional organizations may earn a discount on your policy.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more on Titan insurance in Lubbock.
  • Home Ownership Discount - Owning your own home or condo can get you a discount because maintaining a house requires personal responsibility.
  • Theft Deterrent Discount - Vehicles equipped with anti-theft or alarm systems are less likely to be stolen so companies will give you a small discount.

As a sidenote, some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it's just not the way it works.

The diagram below illustrates the difference between Nissan Titan auto insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, safe-driver, and multi-car discounts applied.

Larger car insurance companies and a selection of discounts can be read below.

  • State Farm may include discounts for safe vehicle, defensive driving training, passive restraint, Steer Clear safe driver discount, good driver, good student, and accident-free.
  • Nationwide offers discounts for good student, defensive driving, business or organization, Farm Bureau membership, and multi-policy.
  • GEICO policyholders can earn discounts including military active duty, seat belt use, emergency military deployment, anti-theft, multi-vehicle, and daytime running lights.
  • AAA includes discounts for pay-in-full, good student, good driver, multi-car, and multi-policy.
  • 21st Century has savings for theft prevention, driver training, automatic seat belts, defensive driver, good student, and air bags.
  • The Hartford may have discounts that include driver training, defensive driver, vehicle fuel type, good student, anti-theft, and air bag.

When getting a coverage quote, ask all the companies to give you their best rates. Some of the earlier mentioned discounts might not apply in every state. To view insurers that offer discounts in Lubbock, click here.

The most affordable rates come from being thorough

Affordable Nissan Titan insurance in Lubbock can be purchased from both online companies in addition to local insurance agencies, so you need to quote Lubbock auto insurance with both to have the best rate selection. A few companies do not offer online rate quotes and most of the time these small, regional companies sell through local independent agencies.

As you shop your coverage around, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage only to regret they didn't have enough coverage. The proper strategy is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Steps to buying discount Nissan Titan insurance in Lubbock

If saving the most money is your goal, then the best way to find lower priced Nissan Titan insurance is to compare prices once a year from insurers in Lubbock.

  • First, spend a few minutes and learn about how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many rating criteria that cause high rates like speeding tickets, careless driving and poor credit can be rectified by paying attention to minor details.
  • Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while independent agents can provide rate quotes from multiple companies.
  • Third, compare the price quotes to your current policy and determine if there is any savings. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important bit of advice to remember is that you use the same liability limits and deductibles on every price quote and and to get quotes from as many carriers as you can. Doing this guarantees a fair rate comparison and a better comparison of the market.

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