Nissan Xterra Insurance Rate Quotes in Philadelphia

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How long has it been since you compared lower-priced Nissan Xterra insurance in Philadelphia? Trying to come up with a payment for pricey insurance can dwindle your monthly budget and force you to make tough financial choices. Comparing price quotes is recommended to slash your bill and have more diposable income.

Insurance rates Nissan Xterra in PhiladelphiaA study showed that the vast majority of consumers have been with the same company for at least the last four years, and nearly 40% of drivers have never compared quotes from other companies. Most drivers in Pennsylvania could save almost $690 each year by just shopping around, but they won't spend time to save money by comparing rate quotes.

Big-name insurance companies like Allstate and Progressive persitently shower you with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should make it a habit to compare rates yearly because insurance rates change quite often. If you had the lowest rate on Nissan Xterra insurance in Philadelphia a couple years back you may be paying too much now. Forget anything you know (or think you know) about insurance because you're about to find out how to use the internet to get good coverage on Nissan Xterra insurance in Philadelphia at a lower rate.

If you currently have a car insurance policy, you stand a good chance to be able to get lower rates using the ideas presented in this article. Locating the best insurance company for you in Philadelphia is not that difficult. But Pennsylvania consumers can benefit from knowing the way insurance companies market on the web.

Best Nissan Xterra insurance rate quotes in Pennsylvania

The companies shown below provide quotes in Pennsylvania. If the list has multiple companies, it's highly recommended you visit two to three different companies in order to get a fair rate comparison.

Rates and other information

The premium table shown next outlines detailed analysis of insurance policy prices for Nissan Xterra models. Being aware of how insurance premiums are determined can help guide drivers when making decisions on which insurance to purchase.

Nissan Xterra Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $202 $254 $340 $20 $102 $918 $77
Xterra S 2WD $202 $254 $340 $20 $102 $918 $77
Xterra S 4WD $202 $254 $340 $20 $102 $918 $77
Xterra X 4WD $202 $254 $340 $20 $102 $918 $77
Xterra Off Road 4WD $232 $324 $340 $20 $102 $1,018 $85
Xterra SE 2WD $232 $324 $340 $20 $102 $1,018 $85
Xterra SE 4WD $232 $324 $340 $20 $102 $1,018 $85
Get Your Own Customized Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific zip code location which can modify price quotes substantially.

Policy deductibles

When shopping for car insurance, a common question is where to set your physical damage deductibles. The comparison tables below may help to illustrate the rate difference of buying low and high deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Nissan Xterra insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $246 $330 $330 $20 $98 $1,049 $87
Xterra S 2WD $246 $330 $330 $20 $98 $1,049 $87
Xterra S 4WD $246 $330 $330 $20 $98 $1,049 $87
Xterra X 4WD $246 $330 $330 $20 $98 $1,049 $87
Xterra Off Road 4WD $284 $420 $330 $20 $98 $1,177 $98
Xterra SE 2WD $284 $420 $330 $20 $98 $1,177 $98
Xterra SE 4WD $284 $420 $330 $20 $98 $1,177 $98
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Nissan Xterra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $136 $174 $330 $20 $98 $758 $63
Xterra S 2WD $136 $174 $330 $20 $98 $758 $63
Xterra S 4WD $136 $174 $330 $20 $98 $758 $63
Xterra X 4WD $136 $174 $330 $20 $98 $758 $63
Xterra Off Road 4WD $158 $222 $330 $20 $98 $828 $69
Xterra SE 2WD $158 $222 $330 $20 $98 $828 $69
Xterra SE 4WD $158 $222 $330 $20 $98 $828 $69
Get Your Own Customized Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in garaging location in Philadelphia which can decrease or increase premium rates substantially.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $26 more each month or $312 each year across all Nissan Xterra models than choosing the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 35 months between claim filings, you would probably come out ahead by going with a higher deductible. Below is the way you can decide this on your own policy.

Average monthly premium for $100 deductibles: $92
Average monthly premium for $1,000 deductibles (subtract): - $66
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 35 months

One thing to be aware of is that a higher deductible level means you will have to cover more of the damage yourself if you have a claim. That will require enough money in the bank in order to pay the higher deductible in order to repair your vehicle.

Drive responsibly or pay higher rates

The chart below demonstrates how speeding tickets and accident claims can affect Nissan Xterra auto insurance costs for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Philadelphia Insurance Costs are Influenced by These Factors

An important part of buying insurance is that you know some of the factors that go into determining the level of your policy premiums. If you understand what determines premiums, this enables informed choices that will entitle you to big savings.

  • Liability protection claims can be big - Your policy's liability coverage provides coverage if ever you are ruled to be at fault for damages from an accident. It provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Discounts for married drivers - Having a wife or husband may save some money when buying auto insurance. Having a spouse is viewed as being more stable financially and it's statistically proven that being married results in fewer claims.
  • High credit scores save money - Having a bad credit rating can be an important factor in your rate calculation. Insureds that have high credit ratings tend to be more responsible as compared to drivers with poor credit. If your credit rating is low, you could save money insuring your Nissan Xterra by spending a little time repairing your credit.
  • Auto insurance rates and your employer - Careers like fire fighters, air traffic controllers, and dentists have higher rates than average due to high stress and extremely grueling work hours. On the flip side, professions such as actors, students and the unemployed generally pay rates lower than average.
  • How your age affects prices - More mature drivers are viewed as being more responsible, statistically cause fewer accidents, and are generally more financially stable. Inexperience drivers are proven to be less responsible in a vehicle therefore auto insurance rates are much higher.

    The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Consolidate policies and save money - Most larger insurers provide lower prices to clients that buy multiple policies, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, it's always a smart idea to compare Nissan Xterra rates in Philadelphia to make sure you are getting the best deal.
  • Pleasure use saves money - The higher the mileage driven annually the higher your rates will be. Many insurance companies calculate rates partially by how you use the vehicle. Autos that are left in the garage cost less to insure than those that get driven frequently. Improper usage on your Xterra may be costing you. Verify your declarations sheet correctly shows how each vehicle is driven.
  • Nissan Xterra insurance loss probability - Insurers include the past claim trends for vehicles to help set a rate to offset losses. Models that the statistics show to have increased losses will have increased rates. The table below illustrates the insurance loss data used by companies for Nissan Xterra vehicles.

    For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Percentage numbers below 100 suggest a better than average loss history, while numbers above 100 point to more losses or an increased likelihood of larger losses.

    Insurance Loss Ratings for Nissan Xterra Vehicles
    Vehicle Make and 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

Cheap Nissan Xterra insurance in Philadelphia

Insurance is neither fun to buy or cheap, but there are discounts available that could drop your premiums quite a bit. Some discounts will apply at the time you complete a quote, but some must be requested specifically before being credited.Insurance discounts

  • Data Collection Discounts - Insureds who allow companies to study when and where they use their vehicle by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they have good driving habits.
  • Accident Forgiveness - This one is not really a discount per se, but some companies like Allstate, State Farm and GEICO may permit one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
  • Use Seat Belts - Forcing all vehicle occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Senior Discount - Mature drivers can possibly qualify for a small discount on rates.
  • Driver Training Discounts - Completing a course in defensive driver could earn you a small percentage discount if you qualify.
  • Club Memberships - Being in a qualifying organization could trigger savings on your bill.
  • Switch and Save Discount - A few larger companies give discounts for switching to them prior to your current Xterra insurance policy expiring. The savings is around 10%.

Just know that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, you won't be that lucky.

The chart below shows the difference between Nissan Xterra auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.

A partial list of companies that may offer quotes with many of the previously listed discounts may include but are not limited to:

If you need inexpensive Philadelphia auto insurance quotes, ask all companies you are considering which discounts they offer. Depending on the company, some discounts may not be available everywhere. If you would like to see a list of insurance companies that offer multiple discounts in Philadelphia, click here to view.

Insurance is available from local insurance agents

Many people would rather go talk to an agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is you may find the best rates and still have an agent to talk to.

Once you complete this quick form, the quote information is immediately sent to local insurance agents who can give free rate quotes to get your business. You won't even need to find an agent on your own due to the fact that quote results will go immediately to your email address. You can get cheaper insurance rates and a licensed agent to talk to. If you need to compare rates from a specific insurance company, just jump over to their website and fill out the quote form the provide.

Picking the best insurance company should depend on more than just a cheap price. Below are some questions you should ask.

  • By raising physical damage deductibles, how much would you save?
  • Is their price quote a firm figure or are their hidden costs?
  • If they are an independent agency in Philadelphia, which companies do they recommend?
  • Do the companies they represent have a solid financial rating?
  • Do they get extra compensation for selling add-on coverages?
  • Do the coverages you're quoting properly cover your vehicle?
  • Is the agency covered by Errors and Omissions coverage?

If you prefer to buy insurance from a reputable agency, you should know the different types of agents and how they are distinctly different. Insurance policy providers are considered either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents that choose to be exclusive have only one company to place business with and examples are American Family, State Farm, and AAA. Exclusive agents cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agents are trained well on their products and sales techniques which can be an advantage.

Listed below is a list of exclusive agents in Philadelphia willing to provide price quotes.

7904 Germantown Ave - Philadelphia, PA 19118 - (267) 323-2923 - View Map

86 Bethlehem Pike - Philadelphia, PA 19118 - (215) 753-1501 - View Map

716 Adams Ave Ste 8 - Philadelphia, PA 19124 - (215) 533-5550 - View Map

More insurance agents

Independent Insurance Agents

Agents that elect to be independent often have affiliation with several companies and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, we recommend you get some free quotes from several independent insurance agents for maximum quote selection.

Listed below is a short list of independent agencies in Philadelphia willing to provide price quote information.

619 E Girard Ave - Philadelphia, PA 19125 - (215) 425-7640 - View Map

7214 Frankford Ave - Philadelphia, PA 19135 - (800) 283-0500 - View Map

4901 Frankford Ave - Philadelphia, PA 19124 - (215) 827-0800 - View Map

More insurance agents

After getting good feedback to all your questions as well as cheap Xterra insurance quotes, it's possible that you found a car insurance agent that is reputable and can provide insurance coverage.

Cheap car insurance premiums are possible

When you buy Philadelphia auto insurance online, do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits only to regret at claim time they didn't have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Affordable Nissan Xterra insurance in Philadelphia is definitely available from both online companies and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not have rate quotes online and most of the time these regional insurance providers work with local independent agents.

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