2003 Nissan Xterra Car Insurance Rates – 9 Policy Discounts

Locating better insurance prices for a Nissan Xterra can be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to shop for insurance so you’re going to learn the quickest way to get price quotes for a Nissan and get the best price possible from both online companies and local agents.

The fastest way that we advise to get rate comparisons is to understand most of the bigger providers actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is give them rating details such as whether you have decent credit, the year, make and model of vehicles, what you do for a living, and if you require a SR-22. Your rating data is submitted instantly to many highly-rated insurers and they respond with quotes quickly.

Discounts mean cheaper 2003 Nissan Xterra insurance rates

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you purchase, but a few need to be specifically requested before you will receive the discount. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Xterra coverage than less cautious drivers.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application digitally online.
  • 55 and Retired – Mature drivers may receive reduced rates for Xterra coverage.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that may have these benefits may include but are not limited to:

Double check with all companies you are considering how you can save money. Savings may not apply in your area.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • Does coverage extend to a rental car in a foreign country?
  • Are my friends covered when driving my car?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my 2003 Nissan Xterra need full coverage?
  • When would I need additional glass coverage?
  • Is motorclub coverage worth it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Save $457 a year. For real?

Drivers constantly see and hear ads for cheaper car insurance by State Farm and Allstate. All the companies make the same claim of big savings if you move to their company.

How can each company say the same thing?

Different companies have a certain “appetite” for the right customer that makes them money. For instance, a driver they prefer might be profiled as over the age of 50, has no tickets, and has a high credit rating. A driver that hits that “sweet spot” is entitled to the best price and most likely will save a lot of money.

Drivers who don’t meet the requirements will have to pay a higher premium which leads to business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can claim big savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. It’s not possible to predict which car insurance company will have the lowest Nissan Xterra insurance rates.

Auto insurance coverages

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, vandalism and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This provides protection from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, legal defense fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Xterra.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Collision – Collision insurance will pay to fix damage to your Xterra from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, rolling your car, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Saving money makes a lot of cents

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We’ve covered some good ideas how to get a better price on 2003 Nissan Xterra insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Cheaper insurance is definitely available online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and these small, regional companies work with independent agents.

Even more information is available at these sites: