How Much Does 2010 Nissan Xterra Insurance Cost?

Shoppers have many options when shopping for the lowest priced Nissan Xterra insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to shop for insurance coverage and we’ll show you the quickest way to compare rates for a new or used Nissan and obtain the lowest price either online or from local insurance agents.

It’s a good habit to compare rates every six months due to the fact that insurance rates trend upward over time. Even if you think you had the best rates on Xterra insurance a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the only way to find better coverage at a better price.

How to reduce Nissan Xterra insurance rates

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about prior to getting the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Student in College – Children who live away from home without a vehicle on campus can receive lower rates.
  • Senior Citizens – Older drivers may receive a discount up to 10% on Xterra insurance.
  • E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Discount for New Cars – Insuring a new car is cheaper since new cars are generally safer.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
  • No Accidents – Claim-free drivers pay less as compared to accident-prone drivers.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Xterra insurance depending on your company.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

It’s important to note that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce the amount you have to pay.

For a list of insurance companies with the best insurance coverage discounts, click this link.

Nissan Xterra insurance rates are influenced by…

Consumers need to have an understanding of some of the elements that come into play when calculating insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get big savings.

The list below includes a partial list of the pieces insurance companies consider when setting your rates.

  • Protect your assets with liability insurance – Liability insurance provides coverage when you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
  • More than one policy can earn a discount – Many insurance companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal.
  • Don’t buy coverages you don’t need – There are quite a few extra coverages that you can buy on your insurance policy. Things like personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
  • Better credit means lower rates – Credit history is a huge factor in calculating your insurance rates. If your credit history is not that good, you could potentially save money when insuring your 2010 Nissan Xterra by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit scores.
  • Drive less and save money – The more miles you rack up on your Nissan in a year the higher your rates will be. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than those used for commuting. If your policy improperly rates your Xterra may be wasting your money. Make sure your insurance policy is showing how each vehicle is driven.
  • Being married can save on insurance – Getting married actually saves money on your policy. Having a significant other translates into being more mature and it’s proven that married drivers get in fewer accidents.
  • Your age impacts your rates – Older insureds are more responsible, tend to file fewer claims and are safer drivers. Young drivers are statistically proven to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether your personal situation may require specific advice.

  • If I drive on a suspended license am I covered?
  • What is covered by UM/UIM coverage?
  • When should I remove comp and collision on my 2010 Nissan Xterra?
  • Am I getting all the discounts available?
  • If my 2010 Nissan Xterra is totaled, can I afford another vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need higher collision deductibles?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

The coverage is in the details

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

This can cover damages or injuries you inflict on people or other property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

Collision insurance covers damage to your Xterra from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, rolling your car, driving through your garage door, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, fire damage, vandalism and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for doctor visits, hospital visits, pain medications, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Nissan Xterra.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Compare but don’t skimp

We just covered a lot of tips how to get a better price on 2010 Nissan Xterra insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the lowest premiums are with the smaller companies.

People switch companies for a variety of reasons including extreme rates for teen drivers, high prices, an unsatisfactory settlement offer or even lack of trust in their agent. Regardless of your reason for switching companies, switching companies is not as hard as you think.

Cost effective insurance can be bought both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.

Additional detailed information can be found at these sites: