Compare 2007 Nissan Xterra Car Insurance Cost

Searching for lower car insurance rates for your Nissan Xterra? Feel like you’re a prisoner to overpriced car insurance? Trust us, you’re not alone.

You have multiple insurers to pick from, and although it’s nice to have a selection, it can be more challenging to compare company pricing.

The purpose of this post is to help educate you on the best way to quote coverages. If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Nevertheless, vehicle owners must understand how the larger insurance companies determine prices.

Low Cost Insurance Coverage

The are a couple different ways to compare quotes from different insurance companies. By far the easiest way to find the lowest 2007 Nissan Xterra rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do a different quote for each company you want a rate for. In just a few minutes this one form gets rate comparisons from multiple companies.

A different way to get comparison quotes is spending the time to visit each individual company website and complete a new quote form. For examples sake, we’ll pretend you want rates from Geico, Progressive and State Farm. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.

The most time-consuming way to get comparison rates is to waste gas driving to and from local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you require the personal advice only provided by licensed agents. You can, however, compare online quotes and still use a local agent and we’ll touch on that later.

Which method you use is up to you, but be sure to compare identical coverage limits with every price quote. If the quotes have mixed coverages it will be impossible to determine the best price for your Nissan Xterra. Having just a slight variation in coverages may result in a large different in cost. Just keep in mind that comparing a large number of companies gives you a better chance of getting the best offered rates.

Cut your insurance rates with discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Certain discounts will be applied at quote time, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But any discount will bring down the amount you have to pay.

Companies that may have these benefits may include but are not limited to:

Check with each insurance company which discounts they offer. Savings might not apply in your area.

You are unique and your insurance coverage should be too

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?
  • Why is insurance for a teen driver so high?
  • Is my nanny covered when driving my vehicle?
  • Is business equipment covered while in my vehicle?
  • What is the ISO rating for a 2007 Nissan Xterra?
  • Where can I find high-risk insurance?
  • Will filing a claim cost me more?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage options for a 2007 Nissan Xterra

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most auto insurance policies.

Coverage for collisions

This coverage pays for damage to your Xterra from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Nissan Xterra.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills like nursing services, surgery, rehabilitation expenses and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hail damage, hitting a deer, a tree branch falling on your vehicle and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This protects you from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, repair bills for other people’s vehicles, medical expenses, funeral expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.