If saving the most money is your goal, then the best way to get affordable Nissan Titan insurance is to do a yearly price comparison from insurers that sell auto insurance in Virginia Beach.
- Step 1: Get a basic knowledge of individual coverages and the measures you can control to prevent high rates. Many rating criteria that increase rates such as tickets, at-fault accidents, and an imperfect credit score can be eliminated by being financially responsible and driving safely.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple sources.
- Step 3: Compare the quotes to the premium of your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure there is no lapse in coverage.
- Step 4: Provide notification to your current agent or company of your intention to cancel the current policy and submit the signed application along with the required initial payment to your new carrier. Once the application is submitted, put the certificate of insurance along with your vehicle registration.
The most important part of this process is to compare the same level of coverage on each quote request and and to get rate quotes from as many car insurance companies as possible. This guarantees a level playing field and and a good selection of different prices.
It’s well known that car insurance companies don’t want their policyholders to compare prices. Consumers who shop around for cheaper prices are likely to buy a different policy because they have good chances of finding a cheaper policy. A recent auto insurance study revealed that consumers who routinely compared quotes saved an average of $865 annually compared to those who didn’t regularly shop around.
If finding the most affordable Nissan Titan insurance in Virginia Beach is your intention, knowing the best ways to find and compare cheaper coverage can save time, money, and frustration.
Companies offering affordable Nissan Titan rate quotes in Virginia Beach, VA
The companies shown below are ready to provide comparison quotes in Virginia. If you want cheap car insurance in Virginia Beach, VA, we recommend you click on several of them to get the best price comparison.
Nissan Titan detailed coverage information
The price information below outlines estimates of insurance prices for Nissan Titan models. Having knowledge of how premiums are determined can be valuable when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $190 | $412 | $290 | $18 | $88 | $998 | $83 |
| Titan XE King Cab 2WD | $214 | $412 | $364 | $22 | $108 | $1,120 | $93 |
| Titan XE Crew Cab 4WD | $214 | $412 | $290 | $18 | $88 | $1,022 | $85 |
| Titan SE King Cab 4WD | $214 | $412 | $290 | $18 | $88 | $1,022 | $85 |
| Titan XE Crew Cab 2WD | $214 | $412 | $364 | $22 | $108 | $1,120 | $93 |
| Titan SE King Cab 2WD | $214 | $412 | $364 | $22 | $108 | $1,120 | $93 |
| Titan SE Crew Cab 4WD | $214 | $486 | $290 | $18 | $88 | $1,096 | $91 |
| Titan Pro-4X King Cab 4WD | $214 | $486 | $290 | $18 | $88 | $1,096 | $91 |
| Titan SE Crew Cab 2WD | $214 | $486 | $364 | $22 | $108 | $1,194 | $100 |
| Titan Pro-4X Crew Cab 4WD | $214 | $486 | $290 | $18 | $88 | $1,096 | $91 |
| Titan LE Crew Cab 4WD | $214 | $486 | $290 | $18 | $88 | $1,096 | $91 |
| Titan LE Crew Cab 2WD | $240 | $486 | $364 | $22 | $108 | $1,220 | $102 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific location which can affect price quotes significantly.
Comparison of policy deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The figures shown below may help to conceptualize the differences in premium rates between high and low deductibles. The first set of rates uses a $250 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $198 | $336 | $258 | $16 | $78 | $911 | $76 |
| Titan XE King Cab 2WD | $224 | $336 | $322 | $20 | $96 | $1,023 | $85 |
| Titan XE Crew Cab 4WD | $224 | $336 | $258 | $16 | $78 | $937 | $78 |
| Titan SE King Cab 4WD | $224 | $336 | $258 | $16 | $78 | $937 | $78 |
| Titan XE Crew Cab 2WD | $224 | $336 | $322 | $20 | $96 | $1,023 | $85 |
| Titan SE King Cab 2WD | $224 | $336 | $322 | $20 | $96 | $1,023 | $85 |
| Titan SE Crew Cab 4WD | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Titan Pro-4X King Cab 4WD | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Titan SE Crew Cab 2WD | $224 | $394 | $322 | $20 | $96 | $1,081 | $90 |
| Titan Pro-4X Crew Cab 4WD | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Titan LE Crew Cab 4WD | $224 | $394 | $258 | $16 | $78 | $995 | $83 |
| Titan LE Crew Cab 2WD | $250 | $394 | $322 | $20 | $96 | $1,107 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $122 | $210 | $258 | $16 | $78 | $684 | $57 |
| Titan XE King Cab 2WD | $138 | $210 | $322 | $20 | $96 | $786 | $66 |
| Titan XE Crew Cab 4WD | $138 | $210 | $258 | $16 | $78 | $700 | $58 |
| Titan SE King Cab 4WD | $138 | $210 | $258 | $16 | $78 | $700 | $58 |
| Titan XE Crew Cab 2WD | $138 | $210 | $322 | $20 | $96 | $786 | $66 |
| Titan SE King Cab 2WD | $138 | $210 | $322 | $20 | $96 | $786 | $66 |
| Titan SE Crew Cab 4WD | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Titan Pro-4X King Cab 4WD | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Titan SE Crew Cab 2WD | $138 | $248 | $322 | $20 | $96 | $824 | $69 |
| Titan Pro-4X Crew Cab 4WD | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Titan LE Crew Cab 4WD | $138 | $248 | $258 | $16 | $78 | $738 | $62 |
| Titan LE Crew Cab 2WD | $154 | $248 | $322 | $20 | $96 | $840 | $70 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in Virginia Beach location which can influence premium rates greatly.
Using the data above, we can ascertain that using a $250 deductible costs roughly $20 more each month or $240 each year averaged for all Titan models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 38 months between claims, you would most likely save money if you choose a higher deductible.
Annual premiums for males versus females in Virginia Beach
The example below visualizes the comparison of Nissan Titan insurance premiums for male and female drivers. The costs are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, single status, and no discounts are applied.
How much more does full coverage cost?
The information below illustrates the difference between Nissan Titan car insurance costs when comparing full coverage to liability only. The prices are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no definitive rule for phasing out full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s assume your Nissan Titan replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the deductible is paid. If it’s costing in excess of $600 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Companies offer many types of discounts on Nissan Titan insurance in Virginia Beach
Car insurance is expensive, but you can get discounts that you may not know about. Some discounts will apply at the time of purchase, but once in a while a discount must be requested specifically in order for you to get them.
- Distant College Student Discount – College-age children who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
- Active Service Discounts – Having a family member in the military could trigger a small discount.
- Good Grades Discount – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
- Driver Education Discount – Cut your cost by having your teen driver successfully take a driver’s education course in high school.
- Discount for New Cars – Buying a new car instead of a used Titan can get you a discount since newer models are generally safer.
- Driving Data Discount – Insureds that choose to allow their insurance company to analyze when and where they use their vehicle remotely such as Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
- Own a Home and Save – Owning a home in Virginia Beach can help you save on car insurance because owning a home shows financial diligence.
- Renewal Discounts – A few car insurance companies give discounts for signing up before your current Titan insurance policy expires. You may see this discount when you get Virginia Beach auto insurance quotes online.
- Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
Drivers should understand that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic.
The chart below illustrates the difference between Nissan Titan car insurance rates with and without discounts applied to the policy premium. The data assumes a male driver, no accidents, no driving violations, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.
Some of the insurance companies who may offer many of the previously listed discounts are:
When quoting, ask every insurance company which discounts they offer. Some discounts might not be offered in Virginia Beach. If you would like to view insurance companies who offer cheap Nissan Titan insurance quotes in Virginia, click this link.
You may need specialized insurance coverage
When it comes to buying a policy, there is no one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.
- Does my medical payments coverage pay my health insurance deductible?
- What states are considered no-fault?
- Why am I be forced to buy a membership to get insurance from some companies?
- Which companies are cheaper for teen drivers?
- Am I insured when driving a different vehicle?
- Can I afford to buy a different vehicle if my Nissan Titan is totaled?
- What happens if I owe more than my Nissan Titan is worth?
- Is my babysitter covered when using my vehicle?
- Is my trailer covered?
- Who is covered by my policy?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Get rate quotes but still have a local Virginia Beach insurance agent
Many people would rather talk to a local agent and that is just fine! A good thing about getting online price quotes is the fact that you can find cheaper premium rates and still have a local agent. Putting coverage with local insurance agents is definitely important in Virginia Beach.
By using this form (opens in new window), your information is submitted to insurance agents in Virginia Beach who will return price quotes to get your business. You won’t need to find an agent on your own since rate quotes are delivered to the email address you provide. Get lower rates without having to waste a lot of time. If you want to get a comparison quote for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Different types of Virginia Beach car insurance agents
If you are wanting to find a local Virginia Beach insurance agent, it’s helpful to know the types of insurance agents that you can select. Agencies in Virginia Beach can be classified as either independent agents or exclusive agents.
Independent Agencies or Brokers
Independent insurance agents are not limited to a single company so they can insure your vehicles amongst many companies and get you the best rates possible. If your premiums go up, an independent agent can move your coverage which requires no work on your part.
When comparing rates, you should always contact a few independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with companies you’ve never heard of which could offer lower prices.
Featured below is a list of independent agents in Virginia Beach that may be able to give free auto insurance rate quotes.
- Nationwide Insurance: Avery Insurance Agency Inc
5268 Fairfield Shopping Centre – Virginia Beach, VA 23464 – (757) 366-0366 – View Map - Insurance Strategies – The Cooksey Agency
780 Lynnhaven Pkwy #400 – Virginia Beach, VA 23452 – (757) 819-6896 – View Map - Nationwide Insurance: The Braun Agency Inc
6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 – View Map
Exclusive Auto Insurance Agencies
These type of agents generally can only insure with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot compare other company’s rates so they really need to provide good service. Exclusive insurance agents are highly trained on their company’s products which aids in selling service over price. Some consumers prefer to choose to use an exclusive agent primarily because of the brand name and solid financial strength.
Listed below is a short list of exclusive insurance agencies in Virginia Beach who can help you get rate quotes.
- Allstate Insurance: Ralph M. Rios
2492 N Landing Rd #101 – Virginia Beach, VA 23456 – (757) 467-2800 – View Map - Aubrey Pithwa – State Farm Insurance Agent
562 Lynnhaven Pkwy #201 – Virginia Beach, VA 23452 – (757) 227-9700 – View Map - Frank Owens – State Farm Insurance Agent
1776 Laskin Rd #102 – Virginia Beach, VA 23454 – (757) 428-3101 – View Map
Selecting a car insurance agent should include more criteria than just a cheap price quote. A good agent in Virginia Beach will have answers to these questions.
- How many companies do they write for?
- Where are claims handled?
- How often do they review coverages?
- Will the agent or a CSR service your policy?
- Are they primarily personal or commercial lines agents in Virginia Beach?
- Are all drivers listed on the coverage quote?
- What are their preferred companies if they are an independent agency?
Once you have acceptable answers to these questions as well as a price you’re happy with, chances are good that you have found an insurance agency that is a good match to service your policy.
Cheap auto insurance is out there
More affordable auto insurance in Virginia Beach is attainable on the web in addition to local insurance agencies, so you need to quote Virginia Beach auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and many times these regional insurance providers only sell through independent agencies.
When buying insurance coverage, never buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage and learned later that it was a big error on their part. Your strategy should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.
Consumers switch companies for many reasons like poor customer service, policy cancellation, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
More information can be found on the following sites:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- What Car Insurance is Cheapest for a Toyota Corolla in Virginia Beach? (FAQ)
- Who Has Affordable Auto Insurance for Felons in Virginia Beach? (FAQ)
- Vehicle Insurance (Wikipedia)
- Young Drivers: The High Risk Years Video (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)