Compare Nissan Xterra Insurance Rate Quotes in Plano

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.

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
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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
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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
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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.

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.

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