Nissan Xterra Insurance Quotes in Tampa

Inconceivable but true, the majority of drivers have remained with the same insurance company for at least four years, and approximately 40% of consumers have never taken the time to shop around. American drivers can cut their rates by nearly 46.5% a year by just shopping around, but most tend to underestimate the big savings they would realize if they bought a different policy.

Insurance rates Nissan Xterra in TampaThe best way we recommend to quote cheaper Nissan Xterra insurance is to start comparing rates regularly from insurers that sell auto insurance in Tampa. Drivers can shop around by following these steps.

  1. Take a little time to learn about policy coverages and the things you can change to prevent high rates. Many risk factors that increase rates like accidents, careless driving, and a not-so-good credit history can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover more information to prevent rate hikes and find missing discounts.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from many different companies. Start a quote
  3. Compare the new rate quotes to your existing coverage to determine if you can save on Xterra insurance in Tampa. If you find a lower rate quote and decide to switch, make sure there is no lapse in coverage.
  4. Tell your current company of your decision to cancel your existing policy and submit a completed application and payment to the new company. Make sure you put the certificate verifying proof of insurance in a readily accessible location in your vehicle.

A good tip to remember is to try to use identical coverage information on each quote and and to look at as many carriers as you can. This helps ensure a fair price comparison and a good representation of prices.

Getting a cheaper price on Nissan Xterra insurance doesn’t have to be difficult. Just take the time comparing free Tampa car insurance quotes provided by online insurance companies.

Online shopping is fast and free, and it replaces the need to spend time driving to insurance agencies in your area. Comparing online rate quotes eliminates this option unless your situation requires the professional guidance of a local Tampa agent. However, consumers can compare online quotes but purchase the actual policy in an agency.

The auto insurance companies shown below offer price comparisons in Florida. If you wish to find the best auto insurance in FL, it’s highly recommended you visit several of them in order to find the lowest rates.

Discounts for lower-cost auto insurance quotes

Some insurers don’t necessarily list every discount available in an easy-to-find place, so the next list breaks down both well-publicized and the more hidden savings tricks you should be using when you buy Tampa car insurance online.Auto insurance discounts

One thing to note about discounts is that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

The example below shows the difference between Nissan Xterra car insurance costs with and without discounts applied. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.

A partial list of companies that may have most of the discounts above possibly include:

If you need cheaper Tampa car insurance quotes, ask every prospective company the best way to save money. Depending on the company, some discounts may not be available in Tampa. To locate insurers who offer cheap Nissan Xterra insurance quotes in Florida, click here.

Analysis of coverages

The rate table shown next covers different coverage prices for Nissan Xterra models. Learning as much as possible about how insurance premiums are figured can help guide drivers when making smart choices when comparing insurance quotes.

Nissan Xterra Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $216 $290 $392 $24 $118 $1,040 $87
Xterra S 2WD $216 $290 $392 $24 $118 $1,040 $87
Xterra S 4WD $216 $290 $392 $24 $118 $1,040 $87
Xterra X 4WD $216 $290 $392 $24 $118 $1,040 $87
Xterra Off Road 4WD $248 $370 $392 $24 $118 $1,152 $96
Xterra SE 2WD $248 $370 $392 $24 $118 $1,152 $96
Xterra SE 4WD $248 $370 $392 $24 $118 $1,152 $96
Get Your Own Custom Quote Go

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in vehicle garaging location which can increase or decrease coverage rates substantially.

Policy deductible comparison

A question often asked by Tampa drivers is how high should the physical damage deductibles be. The rates shown below determine the rate fluctuation of buying low and high deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Nissan Xterra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $312 $418 $418 $24 $124 $1,321 $110
Xterra S 2WD $312 $418 $418 $24 $124 $1,321 $110
Xterra S 4WD $312 $418 $418 $24 $124 $1,321 $110
Xterra X 4WD $312 $418 $418 $24 $124 $1,321 $110
Xterra Off Road 4WD $358 $532 $418 $24 $124 $1,481 $123
Xterra SE 2WD $358 $532 $418 $24 $124 $1,481 $123
Xterra SE 4WD $358 $532 $418 $24 $124 $1,481 $123
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Nissan Xterra insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $174 $220 $418 $24 $124 $960 $80
Xterra S 2WD $174 $220 $418 $24 $124 $960 $80
Xterra S 4WD $174 $220 $418 $24 $124 $960 $80
Xterra X 4WD $174 $220 $418 $24 $124 $960 $80
Xterra Off Road 4WD $200 $280 $418 $24 $124 $1,046 $87
Xterra SE 2WD $200 $280 $418 $24 $124 $1,046 $87
Xterra SE 4WD $200 $280 $418 $24 $124 $1,046 $87
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in vehicle garaging location which can impact rates substantially.

We can derive from the above data that using a $100 deductible costs about $33 more each month or $396 annually than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 27 months between claims, you would save money by going with a higher deductible. Here’s how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $116
Average monthly premium for $1,000 deductibles (subtract): – $83
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

The information below illustrates how choosing a deductible and can increase or decrease Nissan Xterra insurance premiums for different ages of insureds. The data assumes a married male driver, full coverage, and no additional discounts are factored in.

Car insurance rates are higher with tickets and accidents

The information below illustrates how violations and accidents can affect Nissan Xterra insurance costs for different categories of driver ages. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

You Can Change Your Insurance Costs

It’s important that you understand a few of the rating criteria that help calculate auto insurance rates. When consumers understand what controls the rates you pay, this allows you to make good choices that may reward you with much lower annual insurance costs.

The following are just a few of the factors utilized by car insurance companies to help set premiums.

Gender and insurance coverage rates – Statistics demonstrate women tend to be less risk to insure than men. It does not mean females are better drivers. Males and females get in accidents in similar numbers, but men cause more damage. Men also tend to get ticketed for serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore pay the highest rates.

The chart below shows the comparison of Nissan Xterra insurance premiums for male and female drivers. The rate quotes are based on a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied.

High coverage deductibles equal low rates – Comprehensive and collision coverage deductibles define the amount you are required to pay if a covered claim is submitted. Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your car. Examples of some claims that would be covered could be a windshield broken by a bird, vandalism, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for auto insurance.

Rates can change based on your address – Having an address in a small town has it’s advantages when insuring your vehicles. Drivers who live in large cities regularly have much more traffic and much longer commute distances. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims.

Do you work long hours in a tough vocation? – Careers like fire fighters, airline pilots, and dentists have higher rates than the rest of us due to job stress and long work hours. On the flip side, jobs like professors, athletes and homemakers generally pay rates lower than average.

Safer occupants lowers auto insurance rates – Cars with five star safety ratings tend to be cheaper to insure. Safe vehicles protect occupants better and reduced instances of injuries means less claims paid and more competitive rates for policyholders.

Never let your policy expire – Not having insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance can result in fines and jail time.

Nissan Xterra statistical loss data – Insurance companies use claims history to calculate a rate that offsets possible losses. Models that the data determines to have higher claim frequency or loss amount will have increased rates. The table below outlines the actual insurance loss data for Nissan Xterra vehicles.

For each coverage category, the claim amount for all vehicles averaged together equals 100. Values that are under 100 represent a good loss history, while numbers that are greater than 100 indicate higher probability of having a loss or larger claims.

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

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