Scraping up a payment for high-priced Nissan Xterra insurance in San Antonio can consume your monthly budget and possibly require you to analyze your spending habits. Comparing rate quotes can lower your rates and help to tighten up your finances.
It’s safe to conclude that car insurance companies don’t want customers comparing rates. Consumers who shop around for better prices will most likely switch car insurance companies because there is a significant possibility of finding a lower-cost company. A recent study showed that drivers who shopped around saved an average of $850 each year compared to other drivers who never shopped around for cheaper prices.
If finding the best rates on car insurance in San Antonio is your goal, then learning about how to get free comparison quotes and analyze auto insurance can make it simple to find affordable coverage. Lots of car insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rates possible on Nissan Xterra insurance in San Antonio.
Consumers need to shop coverage around quite often because prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes on Nissan Xterra insurance in San Antonio at your last renewal the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn one of the easiest ways to save on car insurance.
The companies in the list below are ready to provide comparison quotes in Texas. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.
Car insurance statistics for a Nissan Xterra
The rate table below showcases a range of insurance prices for Nissan Xterra models. Having a good understanding how rate quotes are calculated can be valuable when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $204 | $296 | $462 | $28 | $138 | $1,128 | $94 |
| Xterra S 2WD | $204 | $296 | $462 | $28 | $138 | $1,128 | $94 |
| Xterra S 4WD | $204 | $296 | $462 | $28 | $138 | $1,128 | $94 |
| Xterra X 4WD | $204 | $296 | $462 | $28 | $138 | $1,128 | $94 |
| Xterra Off Road 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| Xterra SE 2WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
| Xterra SE 4WD | $234 | $378 | $462 | $28 | $138 | $1,240 | $103 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can raise or lower coverage rates significantly.
Physical damage deductibles
When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates can help show the rate difference when you buy lower versus higher insurance deductibles. The first rate estimation uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $286 | $382 | $382 | $22 | $114 | $1,211 | $101 |
| Xterra S 2WD | $286 | $382 | $382 | $22 | $114 | $1,211 | $101 |
| Xterra S 4WD | $286 | $382 | $382 | $22 | $114 | $1,211 | $101 |
| Xterra X 4WD | $286 | $382 | $382 | $22 | $114 | $1,211 | $101 |
| Xterra Off Road 4WD | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Xterra SE 2WD | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Xterra SE 4WD | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $158 | $200 | $382 | $22 | $114 | $876 | $73 |
| Xterra S 2WD | $158 | $200 | $382 | $22 | $114 | $876 | $73 |
| Xterra S 4WD | $158 | $200 | $382 | $22 | $114 | $876 | $73 |
| Xterra X 4WD | $158 | $200 | $382 | $22 | $114 | $876 | $73 |
| Xterra Off Road 4WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Xterra SE 2WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Xterra SE 4WD | $182 | $256 | $382 | $22 | $114 | $956 | $80 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific San Antonio garaging location which can increase or decrease coverage prices considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $30 more each month or $360 every year across all Nissan Xterra models than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 30 months between claim filings, you would come out ahead if you choose a higher deductible.
The chart below highlights how deductible selection and can change Nissan Xterra insurance premiums for each age group. The data is based on a single male driver, full coverage, and no discounts are applied to the premium.
Males versus Females
The example below compares Nissan Xterra insurance prices for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.
Should you buy full coverage?
The example below illustrates the difference between Nissan Xterra car insurance rates with liability coverage only compared to full coverage. The prices are based on no violations or claims, $250 deductibles, single status, and no discounts are taken into consideration.
When to drop full coverage
There is no clear-cut rule for excluding full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Nissan Xterra replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,000 after the deductible is paid. If you are paying in excess of $800 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Local neighborhood insurance agents
Many drivers would rather go talk to an agent and that is not a bad decision Professional insurance agents can answer important questions and help in the event of a claim. A nice benefit of price shopping on the web is that drivers can save money and get cheap insurance rates and still buy from a local agent. Buying from and supporting neighborhood agents is especially important in San Antonio.
Upon completion of this quick form, the quote information is immediately sent to local insurance agents in San Antonio that can give you free San Antonio car insurance quotes for your business. You never need to leave your house because prices are sent to the email address you provide. If you wish to get a price quote from one company in particular, don’t hesitate to jump over to their website and fill out the quote form the provide.
When looking for an insurance agent, there are two types of insurance agents and how they function. Agents in San Antonio are either exclusive or independent agents depending on their company appointments. Both can write insurance policies, but it is a good idea to know why they differ because it may have an impact on buying decisions.
Independent Insurance Agencies
Independent insurance agents are not restricted to one company so they can insure your vehicles through lots of different companies depending on which coverage is best. If you are not satisfied with one company, they can switch companies in-house which requires no work on your part. If you are comparing insurance prices, it’s recommended you get rate quotes from independent agents for maximum quote selection.
Featured below is a short list of independent agents in San Antonio that may be able to give competitive price quotes.
Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map
IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map
Exclusive Agencies
Agents in the exclusive channel can only provide one company’s prices such as Farmers Insurance or State Farm. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents receive extensive training on their company’s products which helps offset the inability to provide other markets.
Listed below are exclusive agencies in San Antonio willing to provide comparison quotes.
Juan Garcia – State Farm Insurance Agent
2, 407 N Zarzamora – San Antonio, TX 78207 – (210) 438-5826 – View Map
Austin Riley – State Farm Insurance Agent
11726 Ste 102A, I-35 – San Antonio, TX 78233 – (210) 514-1120 – View Map
David Swift – State Farm Insurance Agent
8201 Roughrider Dr – San Antonio, TX 78239 – (210) 655-0212 – View Map
Choosing an car insurance agent is decision based upon more than just a low price. Here are some questions you should ask.
- Is the agency covered by Errors and Omissions coverage?
- Are they actively involved in the community?
- How long have they been in business?
- How often do they review coverages?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will you get a loaner vehicle if you car is being repaired?
- Which insurance companies are they affiliated with?
If you feel you receive answers to your satisfaction for all questions you ask and an acceptable price quote, chances are good that you have found an auto insurance agent that meets the requirements to insure your vehicles. Just keep in mind consumers can cancel a policy when you choose so don’t assume that you’re stuck with your new company for a certain time period.