Save Money on Nissan Xterra Insurance in Charlotte

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It's easy to assume that auto insurance companies don't want you comparing rates. Insureds who shop for lower rates will presumably move their business because they have good chances of finding a lower rate. Remarkably, a study showed that people who compared rates once a year saved on average $3,500 over four years compared to drivers who never compared other company's rates.

If finding the cheapest price on Nissan Xterra insurance in Charlotte is your intention, then having some knowledge of how to get rate quotes and compare insurance rates can make it easier to find better rates.

Discount Nissan Xterra insuranceIf your goal is the lowest price, then the best way to get budget car insurance rates in Charlotte is to start comparing rates regularly from providers in North Carolina. You can compare rates by completing these steps.

First, it will benefit you to learn about auto insurance and the measures you can control to drop your rates. Many rating criteria that cause high rates like accidents, careless driving, and an imperfect credit score can be remedied by making lifestyle changes or driving safer.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple companies.

Third, compare the new rate quotes to your existing rates to see if you can save by switching companies. If you find a better price and change companies, ensure there is no coverage lapse between policies.

Fourth, tell your current company to cancel your current coverage and submit a down payment along with a signed application to the new insurer. Once the paperwork is finalized, store the proof of insurance paperwork with your registration paperwork.

The key aspect of shopping around is to make sure you're comparing the same physical damage deductibles and liability limits on every price quote and to quote with as many auto insurance providers as possible. This helps ensure an accurate price comparison and a better comparison of the market.

Rate information and statistics

The coverage information shown next highlights a range of policy rates for Nissan Xterra models. Learning more about how insurance premiums are formulated can help customers make smart choices when selecting a coverage provider.

Nissan Xterra Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $164 $240 $302 $18 $90 $814 $68
Xterra S 2WD $164 $240 $302 $18 $90 $814 $68
Xterra S 4WD $164 $240 $302 $18 $90 $814 $68
Xterra X 4WD $164 $240 $302 $18 $90 $814 $68
Xterra Off Road 4WD $188 $306 $302 $18 $90 $904 $75
Xterra SE 2WD $188 $306 $302 $18 $90 $904 $75
Xterra SE 4WD $188 $306 $302 $18 $90 $904 $75
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Prices do not factor in specific Charlotte garaging location which can raise or lower insurance rates significantly.

Can higher deductibles save money?

The hardest decision when buying coverage is where to set your physical damage deductibles. The comparison tables below lay out how much more rates are when you select higher and lower coverage deductibles. The first data table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Nissan Xterra insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $186 $250 $250 $14 $74 $799 $67
Xterra S 2WD $186 $250 $250 $14 $74 $799 $67
Xterra S 4WD $186 $250 $250 $14 $74 $799 $67
Xterra X 4WD $186 $250 $250 $14 $74 $799 $67
Xterra Off Road 4WD $214 $318 $250 $14 $74 $895 $75
Xterra SE 2WD $214 $318 $250 $14 $74 $895 $75
Xterra SE 4WD $214 $318 $250 $14 $74 $895 $75
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Nissan Xterra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $136 $168 $250 $14 $74 $642 $54
Xterra S 2WD $136 $168 $250 $14 $74 $642 $54
Xterra S 4WD $136 $168 $250 $14 $74 $642 $54
Xterra X 4WD $136 $168 $250 $14 $74 $642 $54
Xterra Off Road 4WD $156 $214 $250 $14 $74 $708 $59
Xterra SE 2WD $156 $214 $250 $14 $74 $708 $59
Xterra SE 4WD $156 $214 $250 $14 $74 $708 $59
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle garaging location which can influence premiums greatly.

Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $14 more each month or $168 every year than opting for the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 29 months between claim filings, you would most likely save money if you choose the higher deductible.

The diagram below highlights how deductible selection and can raise or lower Nissan Xterra insurance rates for each different age category. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Nissan Xterra insurance premiums by gender and age

The information below shows the comparison of Nissan Xterra auto insurance costs for male and female drivers. The data assumes no claims or driving violations, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.

Seven factors that influence insurance prices

Consumers need to have an understanding of the factors that are used to determine the level of your policy premiums. If you have a feel for what determines base rates, this helps enable you to make changes that may result in cheaper rates.

  • Youthful drivers cost more - Beginning drivers in North Carolina have a tendency to be less responsible when driving therefore auto insurance rates are much higher. Older drivers are more cautious drivers, statistically cause fewer accidents, and tend to be get fewer driving tickets.

    The chart below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Responsible drivers pay less - Getting just one speeding ticket could increase your next policy renewal substantially. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. Drivers who get flagrant violations like DUI or willful reckless driving are required to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

    The illustration below illustrates how speeding tickets and at-fault fender-benders can increase Nissan Xterra insurance rates for different age groups of insureds. The costs are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

  • Insurance rates in urban areas - Choosing to live in small towns and rural areas can save you money when it comes to auto insurance. Fewer drivers means reduced accidents. Drivers who live in large North Carolina cities regularly have more aggressive driving styles and longer commute times. More time on the road translates into higher accident risk.
  • What are your coverage deductibles? - Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of covered claims are a dented fender, hail damage, and windstorm damage. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay in the event of a claim. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive.
  • Companies want multiple policies - Many auto insurance companies provide discounts to policyholders that buy multiple policies in the form of a multi-policy discount. Even if you already get this discount, drivers will still want to compare other Charlotte Xterra insurance rates to confirm you are receiving the best rates possible.
  • Drive less and get lower rates - The more you drive your Nissan each year the more it will cost to insure it. Many insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks that do not get driven very much qualify for better rates than vehicles that have high annual mileage. Ask your agent if your auto insurance declarations sheet properly reflects the right rating data, because improper ratings can cost you money. A policy that improperly rates your Xterra is just wasting money.
  • Stay claim-free and reduce premiums - If you frequently file small claims, you shouldn't be surprised to get either higher rates or even cancellation. Auto insurance companies in North Carolina provide most affordable rates to policyholders who do not file claims often. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Insurance losses for a Nissan Xterra - Insurance companies use past insurance losses to calculate a price that will offset losses. Vehicles that tend to have higher prevalence or dollar amount of losses will have increased rates.

    The next table illustrates the actual insurance loss data for Nissan Xterra vehicles. For each coverage type, the claim amount for all vehicles as a whole is equal to 100. Values below 100 indicate better than average losses, while numbers above 100 indicate more frequent claims or tendency to have larger claims.

    Insurance Loss Ratings for Nissan Xterra Vehicles
    Specific Nissan 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
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistence pays off

People who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy cancellation and delays in responding to claim requests. No matter why you want to switch, switching companies can be easier than you think.

A few companies don't offer online quoting and most of the time these smaller providers only sell through independent agencies. Low-cost Nissan Xterra insurance in Charlotte is available on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

We just presented a lot of information how to get a better price on Nissan Xterra insurance in Charlotte. It's most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with some of the lesser-known companies.

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