Cheapest Quotes for Nissan Xterra Insurance in Virginia Beach

If you want to find the absolute lowest rates, then the best way to find cheaper quotes for auto insurance rates in Virginia Beach is to compare quotes once a year from providers in Virginia.

1. Get an understanding of how car insurance works and the steps you can take to prevent high rates. Many policy risk factors that cause rate increases like at-fault accidents and an unfavorable credit rating can be improved by making small lifestyle or driving habit changes.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote prices for a wide range of companies.
3. Compare the new rates to your current policy to see if cheaper Xterra coverage is available in Virginia Beach. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.

One key aspect when comparing rates is to compare the same coverage limits and deductibles on every quote and and to get price estimates from as many companies as feasibly possible. This enables a level playing field and the best price selection.

Shockingly, most Virginia auto insurance customers kept their policy with the same company for well over three years, and nearly the majority have never even compared quotes to find lower-cost rates. American consumers can save approximately $859 each year by just comparing rate quotes, but they feel it’s too difficult to find lower-cost rates by getting comparison quotes.

Getting cheaper Nissan Xterra auto insurance pricing is not rocket science. Just take a couple of minutes comparing price quotes to see which company has cheaper Virginia Beach auto insurance quotes.

Doing price comparisons online is so simple that it takes the place of having to make phone calls or go to local Virginia Beach insurance agencies. Doing it all online has made agencies unnecessary unless you require the professional assistance of a local agency. If you prefer, some companies allow you to compare the best prices online and still use a local agent.

The providers in the list below are ready to provide quotes in Virginia. If your goal is to find the best cheap car insurance in Virginia Beach, we recommend you visit several of them to find the most affordable auto insurance rates.

Nissan Xterra insurance rate analysis

The premium table shown next showcases detailed analysis of policy rates for Nissan Xterra models. Having knowledge of how rate quotes are established can be valuable when making informed purchases.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific Virginia Beach garaging location which can impact premium rates noticeably.

An analysis of deductible level

A question often asked by Virginia Beach drivers is how high should the deductibles for physical damage be. The comparison tables below illustrate the difference in cost of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific location information which can raise or lower coverage prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $14 more each month or $168 for a full year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 29 months between claim filings, you would come out ahead by selecting a higher deductible. The illustration below shows an example of how we made this calculation.

Rate comparison of full coverage and liability-only

The illustration below shows the comparison of Nissan Xterra car insurance costs when comparing full coverage to liability only. The price estimates are based on no accidents, no driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.

When to eliminate full coverage

There is no definitive guideline for excluding physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your Nissan Xterra claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your deductible. If premiums are more than $500 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Why you need insurance for your Nissan Xterra

Despite the high insurance cost for a Nissan Xterra in Virginia Beach, paying for car insurance is required in Virginia but it also protects you in many ways.

• Most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability insurance in order to be legal. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you have a loan on your Nissan, most lenders will require that you have insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Nissan at a much higher premium rate and make you pay for the expensive policy.
• Insurance safeguards not only your vehicle but also your financial assets. It also can pay for medical expenses that are the result of an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car more than offset the price you pay, especially when you need to use it. The average driver in America is wasting up to $865 each year so compare rate quotes at every policy renewal to ensure rates are competitive.

How do Insurance Providers Determine Nissan Xterra Insurance Costs?

A large part of saving on car insurance is knowing the factors that aid in calculating your policy premiums. If you know what controls the rates you pay, this helps enable you to make changes that can help you get much lower annual insurance costs. Many different elements are part of the equation when you get a price on insurance. Some are pretty understandable like an MVR report, but some are more transparent like your continuous coverage and annual miles driven.

High credit scores save money – Credit rating can be a huge factor in determining premium rates. Insureds with high credit ratings tend to be more responsible than drivers with bad credit. If your credit history could use some work, you could potentially save money when insuring your Nissan Xterra by taking the time to improve your credit score.

Consider raising physical damage deductibles – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some coverage claims would be collision with another vehicle, damage from fire, and damage from wind. The more expense you choose to pay out-of-pocket, the better rate you will receive.

Don’t get traffic citations – Getting just one speeding ticket or other violation can increase rates by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers unfortunate enough to have flagrant tickets like DUI or willful reckless driving may find they need to complete a SR-22 to the state department of motor vehicles in order to legally drive.

The example below highlights how traffic violations and at-fault fender-benders can increase Nissan Xterra car insurance rates for different age groups. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Is auto insurance cheaper for women or men? – Statistics show females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. Men and women cause at-fault accidents in similar numbers, but the males tend to have higher claims. Not only are claims higher, but men receive more major tickets such as reckless driving.

The chart below shows the comparison of Nissan Xterra auto insurance rates for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are factored in.

Lower rates for cars with good safety ratings – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries means lower claim amounts which can mean better rates for you. If your Nissan is rated at least four stars on Safercar.gov you may qualify for a discount.

Insurance rates in urban areas – Choosing to live in smaller towns and rural areas of the country has definite advantages when it comes to car insurance. Lower population means reduced accidents. Drivers who live in large Virginia cities have to deal with congested traffic and much longer commute distances. The longer drive time statistically corresponds to a higher accident and claim rate.

Insurance loss data for Nissan Xterra vehicles – Companies use historical loss data to calculate a price that will offset any claims. Vehicles that have high amounts or severity of claims will be charged more to insure. The information below illustrates the loss history for Nissan Xterra vehicles.

For each coverage type, the claim amount for all vehicles as a whole is a value of 100. Percentages below 100 imply a favorable loss record, while numbers shown that are more than 100 point to more frequent losses or tendency to have higher losses.

Cheaper rates by receiving discounts

Companies offering auto insurance do not list their entire list of discounts in a way that’s easy to find, so we break down both the well known as well as the least known discounts that may be available. If they aren’t giving you every credit possible, you are throwing money away.

• ABS and Traction Control Discounts – Cars with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you can actually save on your bill.
• Own a Home – Just owning your own home can save you money because owning a home demonstrates responsibility.
• Drivers Ed for Students – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
• Good Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than less cautious drivers.
• Active Service Discounts – Being deployed in the military could mean lower prices.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

The chart below shows the comparison of Nissan Xterra yearly insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no claims, a clean driving record, Virginia state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, marriage, multi-policy, and multi-car discounts applied.

Popular auto insurance companies and some of the discounts include:

• Progressive has discounts for multi-vehicle, online quote discount, homeowner, multi-policy, and continuous coverage.
• The Hartford includes discounts for anti-theft, good student, vehicle fuel type, bundle, air bag, defensive driver, and driver training.
• Mercury Insurance offers premium reductions for annual mileage, ease of repair, good driver, age of vehicle, accident-free, and low natural disaster claims.
• GEICO may have discounts that include anti-lock brakes, air bags, membership and employees, multi-vehicle, and anti-theft.
• AAA may include discounts for multi-car, AAA membership discount, good student, multi-policy, and pay-in-full.
• State Farm offers discounts including passive restraint, good student, driver’s education, Drive Safe & Save, good driver, and student away at school.

When getting free Virginia Beach auto insurance quotes, it’s a good idea to every company the best way to save money. Some of the earlier mentioned discounts may not apply in every state. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts in Virginia, click here.

Do I just need basic coverages?

When buying insurance from an agent or online, there is no single plan that fits everyone. Each situation is unique.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

• Can my teen driver be rated on a liability-only vehicle?
• When should I remove comp and collision on my Nissan Xterra?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is the rate difference between pleasure use and commuting?
• Should I bundle my homeowners policy with my auto?
• How much will a speeding ticket raise my rates?
• Can I use my car for my catering business?
• Should I have combined single limit or split liability limits?
• Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

When to talk to an insurance agency

Certain consumers would rather talk to a local agent and that is a smart decision Most agents are trained risk managers and give you someone to call. The best thing about comparing insurance online is that you can obtain cheap rate quotes and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your information is instantly submitted to local insurance agents that can give you free Virginia Beach auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies since price quotes are sent immediately to your email address. If you wish to get a rate quote from a specific insurance provider, feel free to visit that company’s website and submit a quote form there.

Finding a good company should depend on more than just the quoted price. Get answers to these questions too.

• Does the agent recommend any additional coverage?
• Do they offer claims assistance after hours?
• Do they have designations such as AIC, CPCU, or CIC?
• Did they already check your driving record and credit reports?
• Is every driver in your family covered?

When narrowing the list to find a good insurance agency, it helps to know the two different types of agencies and how they work. Insurance policy providers are classified as either exclusive or independent agents depending on their company appointments. Either one can handle insurance, but it’s worth mentioning the subtle differences because it may have an impact on the kind of agent you use.

Exclusive Insurance Agents

These agents have only one company to place business with like Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents are usually well trained in insurance sales which helps them sell on service rather than price.

Below are Virginia Beach exclusive insurance agencies who can help you get price quote information.

View more Virginia Beach agents

Independent Agents (or Brokers)

Independent agencies do not have single company limitations so they have the ability to put coverage with an assortment of companies and find you the best rates. If your premiums go up, they simply move your policy to a different company which is easy for the insured. When comparison shopping, we highly recommend that you get rate quotes from a couple of independent agencies to have the best price comparison.

Below are Virginia Beach independent agents that are able to give comparison quotes.

View more Virginia Beach agents

Get the best coverage at the best price

Insureds switch companies for a number of reasons such as poor customer service, questionable increases in premium, policy non-renewal or being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

We just presented a lot of ways to save on Nissan Xterra insurance in Virginia Beach. The key concept to understand is the more quotes you get, the better likelihood of getting affordable Virginia Beach auto insurance quotes. Consumers could even find that the best price on insurance is with a lesser-known regional company.

While you’re price shopping online, do not reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to discover later that it was a big mistake. Your aim should be to buy the best coverage you can find at the best cost while still protecting your assets.

More detailed insurance information can be read at these sites:

• How Much Auto Coverage do I Need? (Insurance Information Institute)
• What Car Insurance is Cheapest for Drivers Under 21 in Virginia Beach? (FAQ)
• Who Has Cheap Virginia Beach Auto Insurance Quotes for First-time Drivers? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Safety Belts FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Think You’re a Safe Driver? (State Farm)