Compare Nissan Xterra Insurance Quotes in Mesa

If your goal is the lowest price, then the best way to get discount auto insurance rates is to start comparing prices regularly from companies in Mesa.

An important part of this process is to make sure you enter identical deductibles and limits on each quote and and to compare as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and plenty of rates choose from.

Insurance for Nissan XterraShockingly, the vast majority of consumers kept their coverage with the same car insurance company for at least four years, and virtually 40% of consumers have never compared rates with other companies. Arizona insurance shoppers could cut their rates by 50% a year just by shopping around, but they just feel it’s too hard to compare other rate quotes.

If you’re already insured, you should be able to reduce premiums using this information. Quoting affordable car insurance policy in Mesa is actually quite simple. Although Arizona vehicle owners must comprehend how the larger insurance companies determine what you pay because rates fluctuate considerably.

The fastest way that we advise to get policy rate comparisons for Nissan Xterra insurance in Mesa is to know the trick most of the bigger providers pay for the opportunity to give free rates quotes. To get started, all you need to do is provide details such as what you do for a living, which vehicles you own, deductibles desired, and whether you are married. The data is then sent to many highly-rated insurers and you get price estimates within a short period of time.

If you wish to get multiple quotes for your Nissan Xterra now, click here and enter your coverage details.

The companies in the list below are ready to provide quotes in Mesa, AZ. To get cheap car insurance in Mesa, AZ, we recommend you visit several of them to get a more complete price comparison.

Nissan Xterra insurance rates and statistics

The data table below outlines a range of insurance costs for Nissan Xterra models. Being aware of how insurance policy rates are formulated can help you make smart buying decisions.

Nissan Xterra Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $108 $154 $314 $18 $94 $688 $57
Xterra S 2WD $108 $154 $314 $18 $94 $688 $57
Xterra S 4WD $108 $154 $314 $18 $94 $688 $57
Xterra X 4WD $108 $154 $314 $18 $94 $688 $57
Xterra Off Road 4WD $124 $198 $314 $18 $94 $748 $62
Xterra SE 2WD $124 $198 $314 $18 $94 $748 $62
Xterra SE 4WD $124 $198 $314 $18 $94 $748 $62
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can impact auto insurance rates considerably.

Rate comparison for different deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The premium rates below may help to illustrate how much more you’ll pay between high and low physical damage deductibles. The first rate estimation uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Nissan Xterra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $202 $252 $300 $18 $90 $887 $74
Xterra S 2WD $202 $252 $300 $18 $90 $887 $74
Xterra S 4WD $202 $252 $300 $18 $90 $887 $74
Xterra X 4WD $202 $252 $300 $18 $90 $887 $74
Xterra Off Road 4WD $232 $320 $300 $18 $90 $985 $82
Xterra SE 2WD $232 $320 $300 $18 $90 $985 $82
Xterra SE 4WD $232 $320 $300 $18 $90 $985 $82
Get Your Own Custom Quote Go

Nissan Xterra insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $164 $202 $300 $18 $90 $774 $65
Xterra S 2WD $164 $202 $300 $18 $90 $774 $65
Xterra S 4WD $164 $202 $300 $18 $90 $774 $65
Xterra X 4WD $164 $202 $300 $18 $90 $774 $65
Xterra Off Road 4WD $188 $258 $300 $18 $90 $854 $71
Xterra SE 2WD $188 $258 $300 $18 $90 $854 $71
Xterra SE 4WD $188 $258 $300 $18 $90 $854 $71
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can decrease or increase premiums substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $9 more each month or $108 every year averaged for all Xterra models than buying the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 28 months between claim filings, you would save money if you decide on a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $77
Average monthly premium for $500 deductibles (subtract): – $68
Monthly savings from raising deductible: $9
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $9
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

Impact of citations and accidents on insurance rates

The information below highlights how speeding tickets and at-fault accidents raise Nissan Xterra yearly insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Insurance cost for men versus women in Mesa

The chart below illustrates the comparison of Nissan Xterra premium costs for male and female drivers. The premiums assume no violations or claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

Difference between liability only and full coverage rates

The diagram below visualizes the comparison of Nissan Xterra insurance rates with liability coverage only compared to full coverage. The premiums are based on no claims or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to stop buying full coverage

There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Nissan Xterra claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying your policy deductible. If it’s costing you more than $400 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.

There’s no such thing as the perfect insurance policy

When selecting insurance from an agent or online, there really is no one-size-fits-all type of policy. You are unique and your policy should reflect that.Safe vehicles cost less to insure
Here are some questions about coverages that can help discover whether you may require specific advice.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Shop online but buy locally

Some people would rather talk to an insurance agent and often times that is recommended A nice benefit of getting free rate quotes online is the fact that drivers can get better rates and still have an agent to talk to. And supporting local agencies is still important in Mesa.

Find insurance agent in MesaTo find an agent, once you fill out this short form, your insurance coverage information is emailed to companies in Mesa that can give you free Mesa auto insurance quotes and help you find cheaper coverage. There is no reason to find an agent on your own since rate quotes are delivered instantly to you. You can find the lowest rates without requiring a lot of work. If you have a need to get a price quote for a specific company, you just need to search and find their rate quote page to submit a rate quote request.

Best car insurance agent in Mesa

When searching for a reliable insurance agent, you must know there are a couple different agency structures and how they differ in how they quote coverages. Car insurance agents in Mesa may be either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies

These type of agents do not sell for just one brand so as a result can place your coverage with many different companies and get you the best rates possible. To transfer your coverage to a different company, your agent can just switch to a different company and you won’t have to switch agencies. When comparing rates, you definitely need to check rates from several independent insurance agents for maximum quote selection. Most also write with less well-known companies which may provide better rates.

Featured below are Mesa independent insurance agencies who can help you get price quote information.

View more Mesa agents

Exclusive Insurance Agents

Exclusive agencies can only provide one company’s prices such as Allstate and State Farm. They are unable to provide prices from multiple companies so always compare other rates. Exclusive agents are usually well trained on the products they sell which helps overcome the inability to quote other rates. Many people use the same agent mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Below are exclusive insurance agents in Mesa that are able to give price quote information.

View more Mesa agents

Choosing an insurance agent is decision based upon more than just the quoted price. The following questions are important to ask.

Once you have received positive feedback to any questions you may have and an acceptable price quote, most likely you have located an insurance agent that will service your policy. It’s important to know that it’s your policy and you can cancel your policy at any point so never assume that you are permanently stuck with a policy for any length of time.