View 2006 Nissan Xterra Insurance Quotes

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me, you are not the only one feeling buyer’s remorse. Because you have many insurance providers from which to choose, it can be hard to locate the most affordable car insurance company.

Do you qualify for discounts?

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known auto insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Low Mileage Discounts – Keeping the miles down on your Nissan can qualify you for a substantially lower rate.
  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Xterra coverage with select insurance companies.
  • Student in College – Kids in college who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Drivers Education – Have your child take driver’s ed class if offered at their school.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.

It’s important to understand that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies who might offer these benefits include:

Before buying, ask each company what discounts are available to you. Some discounts may not apply in every state.

Lesser-known factors impacting Nissan Xterra insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that will entitle you to better car insurance rates.

The list below includes some of the factors that factor into prices.

  • Safer cars cost less to insure – Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Nissan Xterra is rated at least four stars on you may qualify for a discount.
  • Do you work long hours in a high stress job? – Occupations like doctors, business owners and stock brokers tend to pay the highest rates in part from high stress levels and long work hours. On the other hand, occupations such as scientists, students and the unemployed have the lowest average rates for Xterra coverage.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Bundling policies can get discounts – Many insurance companies will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal. You may still find a better deal by buying car insurance from a different company.
  • Low deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Nissan. Some instances where coverage would apply are running into the backend of another car, vandalism, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Xterra coverage.
  • Clean credit earns discounts – Your credit score is a large factor in determining what you pay for car insurance. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 2006 Nissan Xterra by improving your credit score. People with excellent credit tend to be more responsible than those with poor credit.
  • Liability coverage is cheap – The liability section of your policy will protect you if ever you are found liable for damages caused by your negligence. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Where do you drive? – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your Xterra can cost quite a bit.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

  • Why am I required to buy liability insurance?
  • Is my trailer covered?
  • What is the rate difference between pleasure use and commuting?
  • When should my teen driver be added to my policy?
  • Can I drive in Mexico and have coverage?
  • What is high-risk coverage and where do I buy it?
  • What exactly is covered by my policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Do drivers who switch really save?

Consumers constantly see and hear ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the ads make the same claim about savings after switching your coverage to them.

How can each company make the same claim?

All the different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer could be between 25 and 40, has no tickets, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Potential customers who don’t qualify for the “perfect” profile will be quoted a higher premium and ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can state the savings. This emphasizes why you need to get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Specific coverages for a Nissan Xterra

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Xterra.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

This provides protection from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services, structural damage and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as pain medications, nursing services, prosthetic devices and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Xterra resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Best coverage at the best price

We just showed you some good ideas how to compare 2006 Nissan Xterra insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Cost effective insurance can be bought on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, never buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate.

Additional insurance information is located at the links below