Save on Nissan Xterra Insurance in Orlando

Insurance rates Nissan Xterra in OrlandoHow many years has it been since you compared lower-priced Nissan Xterra insurance in Orlando? Finding cheaper insurance for a Nissan Xterra in Florida can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to find auto insurance online and we’ll show you the proper way to quote coverages for a Nissan and obtain the lowest price either online or from Orlando insurance agents.

Cheapest car insurance in Orlando, FL

The providers in the list below are ready to provide comparison quotes in Orlando, FL. If your goal is to find cheap auto insurance in Orlando, we suggest you click on several of them to get the cheapest price.

Statistics and details

The premium table shown below covers a range of coverage costs for Nissan Xterra models. Having a better understanding of how insurance policy rates are figured can help drivers make smart choices when choosing a car insurance company.

Nissan Xterra Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $320 $350 $546 $32 $164 $1,412 $118
Xterra S 2WD $320 $350 $546 $32 $164 $1,412 $118
Xterra S 4WD $320 $350 $546 $32 $164 $1,412 $118
Xterra X 4WD $320 $350 $546 $32 $164 $1,412 $118
Xterra Off Road 4WD $368 $446 $546 $32 $164 $1,556 $130
Xterra SE 2WD $368 $446 $546 $32 $164 $1,556 $130
Xterra SE 4WD $368 $446 $546 $32 $164 $1,556 $130
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific Orlando garaging location which can increase or decrease prices considerably.

Higher deductibles lower rates

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below summarize the difference in cost when you choose different physical damage deductibles. The first rate quote example uses a $100 deductible and the second data table uses a $1,000 deductible.

Nissan Xterra insurance premium 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 premium 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
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in specific garaging location which can influence price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $33 more each month or $396 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 27 months between claim filings, you would probably save some money going with the higher deductible. The numbers below show an example of how you can do this calculation yourself.

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

An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more when you have to file a claim. That will require enough money stashed away in the event you have to pay the higher deductible in order to repair your vehicle.

The illustration below illustrates how your deductible choice and can impact Nissan Xterra premium costs for different ages of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Impact of speeding/accidents on Orlando auto insurance rates

The diagram below shows how violations and accidents can raise Nissan Xterra insurance prices for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The example below shows the difference between Nissan Xterra insurance costs with and without physical damage coverage. The prices are based on no violations or claims, $250 deductibles, single marital status, and no additional discounts are factored in.

Guidelines for eliminating full coverage

There isn’t a written rule of when to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Nissan Xterra book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after the deductible is paid. If premiums are more than $700 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Affordable rates by taking advantage of discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts to help offset the cost. Some of these discounts will be visible at the time of purchase, but some may not be applied and must be specifically requested before they will apply.Discount insurance

Consumers should know that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, insurance companies aren’t that generous.

The diagram below shows the comparison of Nissan Xterra insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no accidents, no driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.

Larger insurance companies and their possible discounts are shown below.

When comparing rates, check with every insurance company which discounts they offer. Savings might not apply in Orlando. If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Florida, click here to view.

What Determines Nissan Xterra Insurance Costs?

When buying insurance it’s important to understand the factors that help calculate the rates you pay for insurance. When consumers understand what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates.

The factors shown below are some of the things that factor into premiums.

Females tend to cost less – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that females are better at driving than males. Men and women are in auto accidents at a similar rate, but the males get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving.

The diagram below illustrates the comparison of Nissan Xterra insurance premiums for male and female drivers. The information is based on no claims or driving violations, comp and collision included, $100 deductibles, drivers are not married, and no other discounts are factored in.

How many coverages with the same company – Most insurance companies apply discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to help ensure you have the lowest rates.

Higher deductibles lower prices – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. Some instances where coverage would apply would be a broken windshield, damage caused by hail, and burglary. The deductibles tell how much you are required to pay if you file a covered claim. The more you are required to pay out-of-pocket, the lower your rates will be.

Always keep your insurance policy in force – Allowing your insurance policy to lapse is a fast way to pay more for insurance. In addition to paying higher rates, getting caught without coverage could earn you a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with the Florida motor vehicle department to get your license reinstated.

Insurance losses for a Nissan Xterra – Insurers analyze historical claim data to help determine the price you pay. Vehicles that have higher claim amounts or frequency will cost more for specific coverages. The table shown below demonstrates the insurance loss data used by companies for Nissan Xterra vehicles.

For each coverage type, the loss probability for all vehicles, as a total average, is represented as 100. Numbers under 100 suggest a better than average loss history, while values over 100 point to more losses or statistically larger losses.

Insurance Loss Ratings for Nissan Xterra Vehicles
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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance agencies can help

Certain consumers still like to buy from a licensed agent and doing that can be a smart decision Professional insurance agents can answer important questions and give you someone to call. The best thing about comparing auto insurance online is that you can find lower rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the quote information is sent to companies in Orlando who will return price quotes and help you find cheaper coverage. There is no need to contact any agents due to the fact that quote results will go to you directly. In the event you want to compare rates from a specific auto insurance provider, just find their quoting web page to submit a rate quote request.

Finding a good insurer shouldn’t rely on just a cheap price quote. These are some questions you should get answers to.

Best car insurance in Florida

Selecting the top auto insurance company is difficult considering how many different insurance companies sell coverage in Orlando. The company ratings shown below could help you decide which car insurance providers to look at when shopping around.

Top 10 Orlando Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Cheap insurance rates are possible

We just presented some good ideas how you can compare Nissan Xterra insurance car insurance rates in Orlando. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from a small mutual company.

Drivers change insurance companies for a variety of reasons including being labeled a high risk driver, poor customer service, delays in paying claims or even high prices. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.

Some insurance companies do not provide rates over the internet and many times these regional insurance providers work with independent agencies. Low-cost Nissan Xterra insurance in Orlando is attainable from both online companies as well as from independent agents in Orlando, so you should compare both in order to have the best price selection to choose from.

Steps to buying affordable Nissan Xterra insurance in Orlando

If your goal is the lowest price, then the best way to get budget Nissan Xterra insurance in Orlando is to compare prices regularly from providers who provide auto insurance in Florida. Drivers can shop around by completing these steps.

First, try to comprehend individual coverages and the things you can control to keep rates low. Many factors that cause high rates such as at-fault accidents, speeding tickets, and a bad credit score can be rectified by making small lifestyle or driving habit changes.

Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can provide rate quotes from multiple sources.

Third, compare the new quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.

Fourth, provide proper notification to your current company of your intention to cancel your existing policy. Submit the required down payment along with the signed application to your new carrier. Immediately upon receiving it, keep the new proof of insurance paperwork along with the vehicle’s registration papers.

The most important part of shopping around is that you use similar limits and deductibles on each price quote and and to get quotes from as many companies as possible. Doing this ensures the most accurate price comparison and a complete rate analysis.

Much more information about insurance in Florida is located below: