We don’t have to point out that fact that auto insurance companies want to keep you from comparing prices. Consumers who compare other prices will probably move their business because there is a great chance of finding discount prices. A recent survey found that consumers who regularly compared price quotes saved on average $70 a month compared to policyholders who never shopped around for better prices.
If finding the cheapest rates on Nissan Titan insurance is your objective, then having a good understanding how to get price quotes and compare cheaper coverage can help make the process easier.
If you want to find the absolute lowest rates, then the best way to quote cheaper car insurance rates is to compare prices at least once a year from different companies that sell auto insurance in Plano.
- First, it will benefit you to learn about policy coverages and the things you can change to prevent expensive coverage. Many rating criteria that result in higher prices like accidents, careless driving, and a bad credit rating can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover ideas to lower rates and get additional discounts that may be available.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agencies can quote prices from multiple companies.
- Third, compare the new quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money and make a switch, verify that coverage does not lapse between policies.
- Fourth, provide proper notification to your current company of your decision to cancel your existing policy and submit a down payment along with a completed application to your new insurance company. Once coverage is bound, place your new certificate verifying proof of insurance with your registration paperwork.
The key thing to know about shopping around is to compare the same physical damage deductibles and liability limits on each price quote and and to get prices from every insurance company. This provides a fair price comparison and plenty of rates choose from.
If you have coverage now or just want cheaper coverage, use these cost-cutting techniques to find better prices without reducing protection. Buying cheaper protection in Plano can be fairly easy. Shoppers only need to know the proper way to quote multiple rates over the internet.
Get Cheap Insurance Costs by Understanding These Factors
It’s important that you understand the different types of things that are used to determine the level of your policy premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that may reward you with lower auto insurance prices.
The following are just a few of the factors utilized by car insurance companies to help set your rate level.
More people means more accidents – Having an address in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. People who live in big cities have to deal with more road rage incidents and much longer commute distances. Fewer people means fewer accidents as well as less vandalism and auto theft.
See if your company offers a multi-policy discount – Most companies allow discounts to people who buy several policies from them. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still save even more than the discount by splitting coverages up.
Gender as a rate factor – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean females are better drivers. Men and women are in fender benders in similar numbers, but the males tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 tend to get in the most accidents and therefore have the most expensive auto insurance rates.
The illustration below illustrates the difference between Nissan Titan insurance costs for male and female drivers. The information is based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Do you know your physical damage deductibles? – Deductibles for physical damage define the amount you are required to pay before a claim is paid by your company. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Examples of some claims that would be covered would be collision with another vehicle, animal collisions, and damage from wind. The more of the claim the insured is willing to pay, the bigger discount you will receive.
Do you really need roadside assistance? – Policies have extra bells and whistles that may not really be needed if you aren’t careful. Add-on coverages like rental car coverage, high-cost glass coverage, and extra life insurance coverage could be just wasting money. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
Deter vehicle theft – Owning a car that has a built-in theft deterrent system can help bring down rates. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all help prevent car theft.
Obey driving laws and save – Being a careful driver impacts premiums far more than you think. Attentive drivers pay less for auto insurance compared to drivers with tickets. Getting just one moving violation may cause rates to rise substantially. Drivers unfortunate enough to have license-revoking citations like DWI, reckless driving or hit and run convictions may find they need to complete a SR-22 to the state department of motor vehicles in order to legally drive.
The diagram below demonstrates how traffic citations and at-fault claims can raise Nissan Titan auto insurance rates for different age groups. The rates are based on a single male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Certain occupations raise rates – Occupations like lawyers, architects, and dentists usually pay higher premium rates in part from intense work-related stress and lengthy work days. Other occupations like professors, engineers and retirees pay lower than average rates.
Nissan Titan claim data – Auto insurance companies include the past claim trends for vehicles to calculate a price that will offset losses. Models that statistically have increased claim numbers or amounts will have increased rates. The table below outlines the compiled insurance loss statistics for Nissan Titan vehicles.
For each policy coverage, the claim amount for all vehicles, without regard to make or model, is set at 100. Values that are under 100 suggest a positive loss record, while percentages above 100 indicate higher probability of having a loss or statistically larger claims.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Titan Crew Cab 2WD||95||127||120|
|Nissan Titan Crew Cab 4WD||95||137||109||77||99||108|
|Nissan Titan Ext Cab 2WD||117||111|
|Nissan Titan Ext Cab 4WD||106||107|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Finding a better price on insurance isn’t really that difficult. The only requirement is to invest a few minutes to compare rate quotes to see which company has cheaper Plano auto insurance quotes.
The providers in the list below have been selected to offer price comparisons in Texas. To locate cheap car insurance in Texas, it’s a good idea that you visit two to three different companies in order to find the most affordable rates.
Nissan Titan insurance charts and tables
The rate information displayed next showcases different insurance premium costs for Nissan Titan models. Learning more about how insurance rates are figured is important for making informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$174||$352||$496||$30||$148||$1,200||$100|
|Titan XE King Cab 2WD||$198||$352||$620||$36||$186||$1,392||$116|
|Titan XE Crew Cab 4WD||$198||$352||$496||$30||$148||$1,224||$102|
|Titan SE King Cab 4WD||$198||$352||$496||$30||$148||$1,224||$102|
|Titan XE Crew Cab 2WD||$198||$352||$620||$36||$186||$1,392||$116|
|Titan SE King Cab 2WD||$198||$352||$620||$36||$186||$1,392||$116|
|Titan SE Crew Cab 4WD||$198||$416||$496||$30||$148||$1,288||$107|
|Titan Pro-4X King Cab 4WD||$198||$416||$496||$30||$148||$1,288||$107|
|Titan SE Crew Cab 2WD||$198||$416||$620||$36||$186||$1,456||$121|
|Titan Pro-4X Crew Cab 4WD||$198||$416||$496||$30||$148||$1,288||$107|
|Titan LE Crew Cab 4WD||$198||$416||$496||$30||$148||$1,288||$107|
|Titan LE Crew Cab 2WD||$220||$416||$620||$36||$186||$1,478||$123|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in garaging location in Plano which can decrease or increase premium rates substantially.
Higher deductibles lower rates
A question often asked by Plano drivers is which comprehensive and collision deductibles to buy. The tables below help summarize the differences in price when you choose different deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$294||$496||$382||$22||$114||$1,333||$111|
|Titan XE King Cab 2WD||$332||$496||$476||$28||$142||$1,499||$125|
|Titan XE Crew Cab 4WD||$332||$496||$382||$22||$114||$1,371||$114|
|Titan SE King Cab 4WD||$332||$496||$382||$22||$114||$1,371||$114|
|Titan XE Crew Cab 2WD||$332||$496||$476||$28||$142||$1,499||$125|
|Titan SE King Cab 2WD||$332||$496||$476||$28||$142||$1,499||$125|
|Titan SE Crew Cab 4WD||$332||$584||$382||$22||$114||$1,459||$122|
|Titan Pro-4X King Cab 4WD||$332||$584||$382||$22||$114||$1,459||$122|
|Titan SE Crew Cab 2WD||$332||$584||$476||$28||$142||$1,587||$132|
|Titan Pro-4X Crew Cab 4WD||$332||$584||$382||$22||$114||$1,459||$122|
|Titan LE Crew Cab 4WD||$332||$584||$382||$22||$114||$1,459||$122|
|Titan LE Crew Cab 2WD||$370||$584||$476||$28||$142||$1,625||$135|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$182||$312||$382||$22||$114||$1,012||$84|
|Titan XE King Cab 2WD||$206||$312||$476||$28||$142||$1,164||$97|
|Titan XE Crew Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Titan SE King Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Titan XE Crew Cab 2WD||$206||$312||$476||$28||$142||$1,164||$97|
|Titan SE King Cab 2WD||$206||$312||$476||$28||$142||$1,164||$97|
|Titan SE Crew Cab 4WD||$206||$368||$382||$22||$114||$1,092||$91|
|Titan Pro-4X King Cab 4WD||$206||$368||$382||$22||$114||$1,092||$91|
|Titan SE Crew Cab 2WD||$206||$368||$476||$28||$142||$1,220||$102|
|Titan Pro-4X Crew Cab 4WD||$206||$368||$382||$22||$114||$1,092||$91|
|Titan LE Crew Cab 4WD||$206||$368||$382||$22||$114||$1,092||$91|
|Titan LE Crew Cab 2WD||$228||$368||$476||$28||$142||$1,242||$104|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in your specific Plano location which can influence rates greatly.
Based on this data, using a $250 deductible would cost the average driver about $29 more each month or $348 a year across all Nissan Titan models than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 26 months between claims, you would probably be better off if you opt for a higher deductible.
The diagram below demonstrates how deductible levels and can affect Nissan Titan premium costs for different age groups. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Nissan Titan full coverage rates compared to liability only
The diagram below illustrates the difference between Nissan Titan car insurance rates with liability coverage only compared to full coverage. The premium estimates are based on no violations or accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
When to buy liability coverage only
There is no definitive guideline of when to phase out physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Nissan Titan book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your deductible. If you are currently paying more than $500 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Here’s why car insurance is not optional
Even though it can be expensive, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.
First, just about all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance if you drive a vehicle. 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.
Second, if your Titan has a loan, more than likely the lender will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Nissan for a lot more money and make you pay the higher premium.
Third, car insurance protects both your car and your personal assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your Titan outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is overpaying more than $830 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
Discounts for cheaper insurance rates
Car insurance companies do not list all discounts very well, so the below list has both the well known in addition to some of the lesser obvious insurance savings.
- Government Employee Discount – Employees or retirees of the government could cut as much as 10% off depending on your company.
- New Vehicle Savings – Buying a new car model can get you a discount compared to insuring an older model.
- Distant College Student Discount – Any of your kids who are attending college and do not have a car could get you a discount.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings as much as 30%.
- ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control are much safer to drive so companies give up to a 10% discount.
- Low Mileage Discounts – Fewer annual miles on your Nissan can qualify you for lower rates on the low mileage vehicles.
- Safe Driver Discount – Safe drivers could pay up to 40% less as compared to drivers with claims.
Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.
The illustration below visualizes the comparison of Nissan Titan yearly insurance costs with and without discounts applied. Data assumes a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, safe-driver, homeowner, and multi-car discounts applied.
A few popular companies and their offered discounts are detailed below.
- State Farm has savings for multiple policy, student away at school, good student, accident-free, Drive Safe & Save, Steer Clear safe driver discount, and passive restraint.
- Farmers Insurance includes discounts for switch companies, teen driver, business and professional, bundle discounts, early shopping, homeowner, and electronic funds transfer.
- Progressive discounts include online quote discount, multi-policy, multi-vehicle, good student, continuous coverage, online signing, and homeowner.
- GEICO may have discounts that include anti-theft, anti-lock brakes, multi-vehicle, good student, five-year accident-free, daytime running lights, and multi-policy.
- Auto-Owners Insurance offers discounts for multiple vehicles, anti-lock brakes, student away at school, paperless, multi-policy, safe driver, and air bags.
- The Hartford may offer discounts for driver training, anti-theft, defensive driver, good student, bundle, and air bag.
- Farm Bureau has discounts for good student, 55 and retired, driver training, multi-policy, youthful driver, multi-vehicle, and safe driver.
- USAA may include discounts for driver training, multi-policy, defensive driver, annual mileage, good student, multi-vehicle, and vehicle storage.
If you need affordable Plano auto insurance quotes, ask every company to give you their best rates. Depending on the company, some discounts may not apply in your area. For a list of companies offering insurance discounts in Texas, follow this link.
Shop online but buy locally
Some consumers just want to go talk to an agent and there is nothing wrong with that. Good agents can answer important questions and help you file claims. The best thing about price shopping on the web is you can get lower prices and still buy from a local agent. Putting coverage with local agencies is especially important in Plano.
For easy comparison, once you complete this simple form, your coverage information is submitted to companies in Plano who can give free rate quotes for your car insurance coverage. You won’t need to leave your computer because quoted prices will be sent straight to your inbox. If you wish to quote rates from a particular provider, just go to their quote page and submit a quote form there.
If you want a local agent, you must know there are a couple types of insurance agents and how they are distinctly different. Agents in Plano can be categorized as either independent or exclusive. Both properly insure your vehicles, but it’s a good idea to understand the differences because it can factor into the type of agent you choose.
Independent insurance agents can sell policies from many different companies so they can write business through many different car insurance companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move your policy to a different company which makes it simple for you. When comparing rate quotes, it’s a good idea to include price quotes from at least one independent agent to ensure the widest selection of prices. Most independent agents also contract with companies you’ve never heard of that may provide cheaper car insurance rates.
Shown below is a list of independent agents in Plano that can possibly get you free car insurance quotes.
- Alpha Omega Insurance Agency
3131 Custer Rd #275 – Plano, TX 75075 – (866) 386-0739 – View Map
- A-Z Insurance Agency
1110 E Parker Rd #106 – Plano, TX 75074 – (972) 200-5070 – View Map
- Hallmark Insurance Co
6500 Pinecrest Dr – Plano, TX 75024 – (800) 486-5616 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive can only quote rates from one company like Allstate, State Farm and Farm Bureau. Exclusive agents are unable to place coverage with different providers so keep that in mind. Exclusive agencies are well schooled on what they offer which helps overcome the inability to quote other rates. Consumers often use the same exclusive agent primarily because of loyalty to the company rather than low price.
The following are exclusive insurance agencies in Plano that are able to give price quote information.
- Brad Salter – State Farm Insurance Agent
8000 Coit Rd #100 – Plano, TX 75025 – (972) 731-0350 – View Map
- Ruth Bookhammer – State Farm Insurance Agent
1106 14th St – Plano, TX 75074 – (469) 814-0551 – View Map
- Allstate Insurance: Tinh Tieu
1721 W Plano Pkwy Ste 127 – Plano, TX 75075 – (972) 596-5511 – View Map
Choosing the best insurance agency shouldn’t rely on just a cheap price. Before buying a policy in Plano, get answers to these questions.
- Are aftermarket or OEM parts used to repair vehicles?
- How would your car be valued if totaled?
- Does the agency have a positive business rating?
- Are there any extra charges for paying monthly?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they paid to recommend certain coverages?
- Will your rates increase after a single accident?
- If you are a high risk driver, do they have special markets for your coverage?
Car insurance savings summarized
You just learned many tips how you can save on Nissan Titan insurance in Plano. The key thing to remember is the more providers you compare, the better chance you’ll have of finding affordable Nissan Titan insurance quotes. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.
Insureds switch companies for many reasons like denial of a claim, unfair underwriting practices, policy cancellation and even high prices. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.
Lower-priced car insurance in Plano can be bought online and from local agencies, so you need to quote Plano auto insurance with both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and these regional carriers prefer to sell through local independent agents.
For more information, link through to these articles:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Plano Auto Insurance for a Ford Escape? (FAQ)
- Who Has Affordable Car Insurance Rates for High Risk Drivers in Plano? (FAQ)
- What Insurance is Cheapest for a Company Car in Plano? (FAQ)
- How Much is Plano Auto Insurance for Drivers with a DUI? (FAQ)
- Coverage Information (Progressive Insurance)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)