Find Affordable Nissan Xterra Insurance in Fort Wayne

If you want to save the most money, the best way to get low-cost Nissan Xterra insurance is to compare quotes annually from insurance carriers that sell auto insurance in Fort Wayne.

  1. Take a few minutes and learn about how auto insurance works and the modifications you can make to prevent rate increases. Many things that cause high rates like accidents, careless driving, and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for many different companies.
  3. Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to point out is that you’ll want to compare identical coverage information on each quote and and to compare as many different companies as possible. This ensures a fair rate comparison and a good representation of prices.

Insurance quote for Nissan Xterra in Fort WayneSadly, about 70% of customers have been with the same company for at least four years, and roughly 40% of drivers have never shopped around. American insurance shoppers could save $859 each year by just shopping around, but most tend to underestimate the benefits if they switch to a new company.

How to get Fort Wayne Nissan Xterra insurance price quotes

Keep in mind that comparing more rates from different companies increases the chance that you will find the best price.

The providers in the list below are ready to provide quotes in Fort Wayne, IN. To buy the best cheap auto insurance in Indiana, it’s highly recommended you compare several of them to get a more complete price comparison.

Nissan Xterra insurance statistics and information

The rate information shown below showcases different policy rates for Nissan Xterra models. Being able to understand how auto insurance premiums are formulated can help you make smart choices when buying a policy.

Nissan Xterra Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $146 $196 $264 $16 $80 $702 $59
Xterra S 2WD $146 $196 $264 $16 $80 $702 $59
Xterra S 4WD $146 $196 $264 $16 $80 $702 $59
Xterra X 4WD $146 $196 $264 $16 $80 $702 $59
Xterra Off Road 4WD $168 $250 $264 $16 $80 $778 $65
Xterra SE 2WD $168 $250 $264 $16 $80 $778 $65
Xterra SE 4WD $168 $250 $264 $16 $80 $778 $65
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in zip code location which can change price quotes significantly.

Can higher deductibles save money?

One of the hardest decisions when shopping for insurance is what deductibles to buy. The premium rates below lay out the difference in cost between high and low coverage deductibles. The first data set uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Nissan Xterra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $188 $236 $280 $16 $84 $829 $69
Xterra S 2WD $188 $236 $280 $16 $84 $829 $69
Xterra S 4WD $188 $236 $280 $16 $84 $829 $69
Xterra X 4WD $188 $236 $280 $16 $84 $829 $69
Xterra Off Road 4WD $216 $300 $280 $16 $84 $921 $77
Xterra SE 2WD $216 $300 $280 $16 $84 $921 $77
Xterra SE 4WD $216 $300 $280 $16 $84 $921 $77
Get Your Own Custom Quote Go

Nissan Xterra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $154 $190 $280 $16 $84 $724 $60
Xterra S 2WD $154 $190 $280 $16 $84 $724 $60
Xterra S 4WD $154 $190 $280 $16 $84 $724 $60
Xterra X 4WD $154 $190 $280 $16 $84 $724 $60
Xterra Off Road 4WD $176 $242 $280 $16 $84 $798 $67
Xterra SE 2WD $176 $242 $280 $16 $84 $798 $67
Xterra SE 4WD $176 $242 $280 $16 $84 $798 $67
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific Fort Wayne garaging location which can raise or lower prices considerably.

Based on the figures above, using a $250 deductible costs approximately $9 more each month or $108 a year across all Nissan Xterra models than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 28 months between claim filings, you would more than likely save some money by going with a higher deductible.

Careless driving habits raise insurance rates

The chart below demonstrates how traffic citations and accident claims can influence Nissan Xterra premium costs for different age groups of insureds. The premiums are based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Cost comparison with and without full coverage

The example below shows the comparison of Nissan Xterra insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no set guideline of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Nissan Xterra replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after you pay the deductible. If you are paying more than $300 annually to have full coverage, then it may be the right time to buy liability only.

There are some conditions where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Choosing Nissan vehicle insurance is an important decision

Despite the fact that insurance is not cheap in Fort Wayne, paying for insurance is not optional due to several reasons.

First, almost all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to drive the car. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Nissan Xterra has a lienholder, most lenders will stipulate that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank may buy a policy for your Nissan at an extremely high rate and require you to fork over the higher price.

Third, insurance preserves your Nissan Xterra and your assets. Insurance will pay for hospital and medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.

The benefits of buying enough insurance are definitely more than the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $820 a year so it’s very important to do a rate comparison at least once a year to help ensure money is not being wasted.

How You Can Control Nissan Xterra Insurance Prices

Lots of factors are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving record, but others are less obvious like where you live or how financially stable you are.

The factors shown below are some of the most rate-impacting factors used by your company to calculate rates.

Get better prices after the wedding – Walking down the aisle may earn you lower rates on your auto insurance bill. Marriage means you’re more mature than a single person and statistics show drivers who are married file infrequent claims.

Frequent insurance claims increase auto insurance rates – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Companies in Indiana give the lowest premiums to drivers who are not frequent claim filers. Auto insurance is intended for claims that pose a financial burden.

Only buy extra coverages you need – There are many optional add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages like coverage for rental cars, towing, and extra equipment coverage could be just wasting money. They may seem good when talking to your agent, but your needs may have changed so remove them and pocket the money.

Women tend to take less risk – Statistics demonstrate that females take fewer risks when driving. This data doesn’t prove that males are worse at driving than females. Both sexes are in auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and thus pay the highest rates.

The information below shows the comparison of Nissan Xterra insurance costs for male and female drivers. The data assumes no claims or violations, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.

Nissan Xterra insurance loss data – Insurers analyze the history of losses to help determine the price you pay. Vehicles that the data determines to have higher loss trends will have a higher cost to insure.

The information below illustrates the insurance loss data for Nissan Xterra vehicles. For each coverage category, the claim amount for all vehicles averaged together is a value of 100. Numbers that are below 100 are indicative of better than average losses, while values that are above 100 point to more frequent losses or statistically larger claims.

Nissan Xterra Insurance Loss Statistics
Vehicle 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

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

These discounts can lower your insurance rates

Auto insurance companies don’t necessarily list their entire list of discounts in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious insurance savings. If you do not double check each discount you deserve, you’re just leaving money on the table.Save money with discounts

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears you could get a free insurance policy, that’s just not realistic.

The chart below compares Nissan Xterra auto insurance rates with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving citations, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A few popular companies and their offered discounts are:

Before you buy a policy, ask each insurance company how you can save money. Depending on the company, some discounts might not apply everywhere. To choose insurance companies with discount insurance rates in Indiana, click this link.

Car insurance is available from local insurance agents

A small number of people just want to get advice from a local agent. One of the benefits of comparing car insurance online is that you can find the best rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is still important in Fort Wayne.

Fort Wayne insurance agentsFor easy comparison, once you complete this simple form, the coverage information is submitted to local insurance agents who will give competitive quotes for your car insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go to the email address you provide. You can find better rates and an insurance agent to talk to. If you need to get a rate quote from a specific company, don’t hesitate to jump over to their website to submit a rate quote request.

When looking for a good Fort Wayne insurance agent, there are a couple of different types of agents from which to choose. Agents in Fort Wayne can be categorized as either exclusive agents or independent agents.

Independent Car Insurance Agencies

Agents in the independent channel are not locked into one company so they have the ability to put coverage through lots of different companies and get the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing car insurance rates, you will definitely want to include price quotes from at a minimum one independent agency to get the best comparison. Most also write with smaller mutual companies that may have much lower rates than larger companies.

Shown below is a list of independent insurance agents in Fort Wayne who can help you get free price quotes.

View more Fort Wayne agents

Exclusive Car Insurance Agencies

Exclusive agencies work for only one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to place coverage with different providers so it’s a take it or leave it situation. They are highly trained on what they offer which can be an advantage. Some consumers prefer to use the same agent primarily because of the brand name and the convenience of having all coverages with one company.

The following is a list of exclusive agents in Fort Wayne that are able to give price quotes.

View more Fort Wayne agents

Picking an car insurance agent is decision based upon more than just a cheap price. These are some questions your agent should answer.

One last thing about your coverage

We covered many tips how you can reduce Nissan Xterra insurance prices online in Fort Wayne. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding low cost Fort Wayne car insurance quotes. You may even find the lowest priced insurance comes from the smaller companies.

Consumers who switch companies do it for any number of reasons including poor customer service, an unsatisfactory settlement offer, policy non-renewal and even questionable increases in premium. No matter why you want to switch, switching companies is actually quite simple.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. In many cases, someone dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage for the lowest price and still be able to protect your assets.

Additional insurance information is located at the links below