Compare 2009 Nissan Armada Car Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not the only one. Big-name insurance companies like Progressive, Geico and Farmers Insurance all promote huge savings with advertising and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know how to compare prices online.

Free Quotes for Auto Insurance

Cutting your auto insurance rates doesn’t have to be difficult. The only requirement is to take the time to get quotes online from several insurance companies. This can be done in a couple of different ways.

The fastest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for boring form submissions to each individual auto insurance company. A single form compares rates from several companies.

A more time consuming way to compare prices is going to the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Farmers, State Farm and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information with every price quote. If your comparisons have mixed coverages you will not be able to make a fair comparison for your Nissan Armada.

Start a Quote Now

How to save on 2009 Nissan Armada insurance

The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Most are applied when you get a quote, but less common discounts must be asked for prior to getting the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • No Accidents – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Accident Waiver – Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break when buying insurance on Armada insurance.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

Car insurance companies that may offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is my Nissan Armada covered if I use it for business?
  • Are rock chip repairs covered?
  • How high should deductibles be on a 2009 Nissan Armada?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I buy additional glass protection?
  • Do I need roadside assistance coverage?
  • Exactly who is provided coverage by my policy?
  • Is my babysitter covered when using my vehicle?
  • Does my 2009 Nissan Armada need full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from auto insurance companies.

Auto collision coverage

This coverage pays for damage to your Armada resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from flooding, damage from a tornado or hurricane and theft. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Armada.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverage

Liability coverage will cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, medical expenses and structural damage. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses such as rehabilitation expenses, hospital visits and prosthetic devices. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

More effort can pay off

We just presented many ideas to reduce 2009 Nissan Armada insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from the smaller companies. They may have significantly lower rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.

Start a Quote Now

Other resources