Compare Nissan Xterra Insurance Rate Quotes in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Nissan Xterra

Insurance quote for Nissan Xterra in PlanoA recent NerdWallet.com study revealed that over 70% of drivers have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never quoted rates to find affordable coverage. Many consumers in Plano can cut their rates by approximately $1,770 a year just by getting comparison quotes, but they mistakenly think it's difficult to compare other rate quotes.

The most effective way to find cheaper Nissan Xterra insurance in Plano is to annually compare prices from insurance carriers in Texas. You can compare rates by following these steps.

  • First, it will benefit you to learn about what is in your policy and the changes you can make to keep rates down. Many policy risk factors that drive up the price like distracted driving and an unacceptable credit rating can be rectified by making minor changes to your lifestyle.
  • Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple insurance companies. View a list of agents
  • Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you can save money and change companies, verify that coverage does not lapse between policies.
  • Fourth, tell your current agent or company of your intent to cancel your current coverage. Submit the completed application along with a down payment to your new insurance company. When you receive it, place the new certificate of insurance with your vehicle's registration.

An important note is to compare the same liability limits and deductibles on each quote and and to get rates from all possible companies. This helps ensure an accurate price comparison and many rates to choose from.

If you are insured now, you will definitely be able to get lower rates using the concepts covered in this article. Locating the most cost-effective insurance policy in Plano is much easier if you know where to start. Although Texas car owners do need to know how the larger insurance companies calculate your policy premium and take advantage of how the system works.

Just remember that having more price comparisons will enable you to find better pricing. Some smaller insurers do not give online Plano Xterra insurance quotes, so it's important to compare rates from them, too.

The car insurance companies shown below are our best choices to provide free rate quotes in Plano, TX. To get the cheapest auto insurance in Plano, it's a good idea that you visit several of them to get the cheapest price.

Detailed insurance information

The premium table displayed below outlines estimates of coverage prices for Nissan Xterra models. Having insight into how rates are calculated helps drivers make informed decisions.

Nissan Xterra Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $280 $438 $462 $28 $138 $1,346 $112
Xterra S 2WD $280 $438 $462 $28 $138 $1,346 $112
Xterra S 4WD $280 $438 $462 $28 $138 $1,346 $112
Xterra X 4WD $280 $438 $462 $28 $138 $1,346 $112
Xterra Off Road 4WD $322 $560 $462 $28 $138 $1,510 $126
Xterra SE 2WD $322 $560 $462 $28 $138 $1,510 $126
Xterra SE 4WD $322 $560 $462 $28 $138 $1,510 $126
Get Your Own Custom Quote Go

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can lower or raise prices significantly.

Higher deductibles lower rates

One of the hardest decisions when shopping for insurance is which deductibles should you choose. The following insurance rates sum up how much more you'll pay between low and high coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Nissan Xterra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $256 $320 $382 $22 $114 $1,119 $93
Xterra S 2WD $256 $320 $382 $22 $114 $1,119 $93
Xterra S 4WD $256 $320 $382 $22 $114 $1,119 $93
Xterra X 4WD $256 $320 $382 $22 $114 $1,119 $93
Xterra Off Road 4WD $294 $408 $382 $22 $114 $1,245 $104
Xterra SE 2WD $294 $408 $382 $22 $114 $1,245 $104
Xterra SE 4WD $294 $408 $382 $22 $114 $1,245 $104
Get Your Own Custom Quote Go
Nissan Xterra insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $158 $200 $382 $22 $114 $876 $73
Xterra S 2WD $158 $200 $382 $22 $114 $876 $73
Xterra S 4WD $158 $200 $382 $22 $114 $876 $73
Xterra X 4WD $158 $200 $382 $22 $114 $876 $73
Xterra Off Road 4WD $182 $256 $382 $22 $114 $956 $80
Xterra SE 2WD $182 $256 $382 $22 $114 $956 $80
Xterra SE 4WD $182 $256 $382 $22 $114 $956 $80
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in Plano location which can influence premium rates significantly.

Based on these figures, using a $250 deductible costs approximately $22 more each month or $264 for a full year averaged for all Xterra models than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 34 months between claims, you would most likely save money by going with a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $98
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. You must have some savings in the bank in the event you have to pay more for the deductible.

The illustration below shows how different deductible levels and can influence Nissan Xterra insurance costs for different age groups of insureds. The prices are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Nissan Xterra insurance premiums by gender and age

The chart below illustrates the difference between Nissan Xterra car insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Informed Drivers Know How to Buy Auto Insurance More Affordably

An important part of buying insurance is that you know a few of the rating criteria that go into determining your auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that can earn you lower auto insurance prices. Many things are considered when you quote your car insurance policy. Most are fairly basic such as your driving record, although others are not as apparent like where you live or your vehicle rating.

Listed below are some of the factors companies use to determine your premiums.

  • Maintain auto insurance coverage - Driving without insurance can get your license suspended and your next policy will cost more because you let your insurance lapse for non-payment. In addition to paying higher rates, getting caught without coverage might get you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with the Texas DMV.
  • Cheaper prices using alarm systems - Selecting a car model with anti-theft technology or alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
  • Fewer miles means better prices - The more you drive in a year the higher the price you pay to insure it. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your declarations sheet is rated on the right rating data. Having an incorrect usage rating on your Xterra may be costing you.
  • Claim-free discounts can add up - If you file a lot of claims you shouldn't be surprised to get higher rates. Auto insurance companies in Texas generally give the best rates to people who file claims infrequently. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
  • How much liability coverage - Your policy's liability coverage will afford coverage in the event that a court rules you are at fault for causing personal injury or damage in an accident. Your policy's liability insurance provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Claims statistics for a Nissan Xterra - Companies use data from past claims as a way to help calculate a profitable premium rate. Models that have a trend towards higher claims will cost more to insure.

    The table below shows the insurance loss data used by companies for Nissan Xterra vehicles. For each coverage category, the claim amount for all vehicles, as an average, is considered to be 100. Numbers shown that are under 100 indicate better than average losses, while numbers above 100 point to more claims or tendency to have higher losses.

    Nissan Xterra Insurance Loss Statistics
    Vehicle Make and 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
    BETTER
    AVERAGE
    WORSE

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

Auto insurance protects more than just your car

Despite the potentially high cost of Nissan Xterra insurance, auto insurance is required in Texas but it also protects you in many ways.

  • Just about all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your vehicle, most banks will require you to carry insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your Nissan at a more expensive rate and require you to reimburse them the higher premium.
  • Insurance protects both your vehicle and your assets. Insurance will also pay for medical expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than cancel out the cost, particularly when you have a large claim. On average, a vehicle owner in Plano is overpaying over $850 per year so shop around each time the policy renews to ensure rates are competitive.

Plano car insurance company ratings

Buying coverage from the highest-rated company can be challenging considering how many different companies insure vehicles in Plano. The company rank data listed below can help you choose which companies to look at when comparing rates.

Top 10 Plano Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Plano 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