Insurance quote for Nissan Xterra in ColumbiaLocating better insurance prices for a Nissan Xterra in South Carolina can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to find car insurance online so you're going to learn the absolute fastest way to get price quotes for a Nissan and get the best price possible either online or from Columbia insurance agents.

If you already have coverage or just want cheaper rates, take advantage of these tips to cut your premiums while maintaining coverages. Comparing rates for affordable auto insurance in Columbia is actually quite simple. Comparison shoppers just have to understand the most efficient way to compare different rates on the web.

Best Nissan Xterra insurance prices in South Carolina

The providers in the list below can provide price quotes in Columbia, SC. If multiple companies are shown, we suggest you click on several of them to find the most competitive car insurance rates.

Nissan Xterra Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $220 $334 $358 $22 $108 $1,042 $87
Xterra S 2WD $146 $196 $328 $20 $98 $788 $66
Xterra S 4WD $144 $192 $320 $18 $96 $770 $64
Xterra X 4WD $144 $192 $320 $18 $96 $770 $64
Xterra Off Road 4WD $214 $294 $342 $20 $102 $972 $81
Xterra SE 2WD $206 $332 $444 $26 $132 $1,140 $95
Xterra SE 4WD $292 $450 $460 $28 $138 $1,368 $114
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can decrease or increase auto insurance rates substantially.

Does full coverage make sense?

The diagram below shows the difference between Nissan Xterra insurance costs with full coverage and liability only. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, married male driver, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no specific rule that works best for making the decision to drop full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your Nissan Xterra replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your deductible. If you are paying more than $300 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not a good idea. If you haven't paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not remove full coverage.

Should you raise deductibles?

When shopping for auto insurance, a common question is where should you set your physical damage deductibles. The comparison tables below highlight the price difference between low and high insurance deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Nissan Xterra insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $256 $342 $342 $20 $102 $1,087 $91
Xterra S 2WD $256 $342 $342 $20 $102 $1,087 $91
Xterra S 4WD $256 $342 $342 $20 $102 $1,087 $91
Xterra X 4WD $256 $342 $342 $20 $102 $1,087 $91
Xterra Off Road 4WD $294 $436 $342 $20 $102 $1,219 $102
Xterra SE 2WD $294 $436 $342 $20 $102 $1,219 $102
Xterra SE 4WD $294 $436 $342 $20 $102 $1,219 $102
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Nissan Xterra insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $186 $230 $342 $20 $102 $880 $73
Xterra S 2WD $186 $230 $342 $20 $102 $880 $73
Xterra S 4WD $186 $230 $342 $20 $102 $880 $73
Xterra X 4WD $186 $230 $342 $20 $102 $880 $73
Xterra Off Road 4WD $214 $294 $342 $20 $102 $972 $81
Xterra SE 2WD $214 $294 $342 $20 $102 $972 $81
Xterra SE 4WD $214 $294 $342 $20 $102 $972 $81
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in Columbia location which can decrease or increase premium rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $20 more each month or $240 every year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at least 20 months between claims, you would more than likely save some money by selecting a higher deductible.

Auto insurance rates by age and gender in Columbia

The illustration below compares Nissan Xterra car insurance costs for male and female drivers. The premiums assume a clean driving record, no claims, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

Why Your Insurance Rates might be higher

Many different elements are part of the calculation when you quote your car insurance policy. Some are obvious like your driving record, although others are more transparent such as whether you are married or how financially stable you are.

Raising deductibles lowers prices - Comp and collision deductibles are the amount of money the insured will be required to pay if you file a covered claim. Physical damage protection, also called 'full coverage', protects your car from damage. Some examples of covered claims are collision with another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive.

Never allow your auto insurance policy to lapse - Allowing your auto insurance policy to lapse can be a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.

Do you qualify for a multi-policy discount? - Most insurance companies will give discounts to clients who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even with this discount, you may still want to compare other company rates to confirm you are receiving the best rates possible.

Drive lots and pay more - The higher the mileage driven in a year the higher your rates will be. A lot of insurance companies price each vehicle's coverage based upon how the vehicle is primarily used. Vehicles that are left in the garage receive lower rates compared to those used for work or business. Improper usage on your Xterra may be costing you higher rates. It's a smart idea to ensure your auto insurance declarations sheet reflects how each vehicle is driven, because it can save money.

Loss statistics for a Nissan Xterra - Companies use past insurance losses to calculate a price that will offset any claims. Models that the data determines to have higher number or severity of losses will be charged more to insure.

The next table illustrates the actual insurance loss data for Nissan Xterra vehicles. For each policy coverage, the statistical loss for all vehicles compiled together equals 100. Values below 100 are indicative of better than average losses, while percentage values above 100 indicate more frequent losses or a tendency for claims to be larger.

Auto Insurance Loss Data for Nissan Xterra Models

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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance rates and discounts

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available to cut the cost considerably. Some of these discounts will be visible when you get a quote, but once in a while a discount must be manually applied before you will receive the discount. If you're not getting every credit you deserve, you are not getting the best rate possible.Cheaper car insurance with discounts

Policy discounts save money, but some of the credits will not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won't be that lucky. Any qualifying discounts will definitely reduce the premium cost.

Companies and their possible discounts are included below.

When quoting, ask all the companies which discounts you may be entitled to. Some discounts might not be available to policyholders in Columbia. If you would like to choose from a list of car insurance companies who offer free Nissan Xterra insurance quotes in South Carolina, click here to view.

When should I have guidance from a local insurance agent?

A small number of people just want to get professional advice from a licensed agent and doing so can bring peace of mind Professional agents can help you choose the best coverages and help you file claims. The best thing about comparing insurance prices online is that drivers can save money and get better rates but also keep your business local.

Insurance agents in ColumbiaBy using this simple form, the coverage information is instantly submitted to participating agents in Columbia who will give you quotes for your insurance coverage. You don't have to contact an agency as quotes are delivered to you directly. If you have a need to get a price quote from a specific auto insurance provider, you just need to search and find their rate quote page and fill out their quote form.

Selecting an insurer is decision based upon more than just the bottom line cost. A good agent in Columbia will have answers to these questions.

But the ad said I'd save 15% in 15 minutes!

Consumers in South Carolina can't get away from ads that claim the lowest premium rates from the likes of Progressive, Allstate and GEICO. They all seem to make an identical promise about savings just by moving to their company.

How does each company sell you cheaper insurance coverage? You have to listen carefully.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For example, this type of driver might be described as married and over the age of 30, insures multiple vehicles, and drives a lower-performance vehicle. Any person who meets those qualifications will probably get cheap prices and will probably save a lot on Columbia Nissan Xterra insurance if they switch.

Insureds who are not a match for this stringent profile will probably have to pay higher premiums and this results in business going elsewhere. Company advertisements say "customers who switch" but not "all drivers who get quotes" save that much when switching. This is how companies can truthfully lure you into getting a quote. Because of the profiling, you need to get Columbia auto insurance quotes as often as possible. It is impossible to predict with any certainty which company will have the best car insurance rates at this point in time.

Quote often and quote early

You just read some good ideas how to lower your Nissan Xterra insurance prices in Columbia. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding the cheapest Nissan Xterra rate quotes. Drivers may even discover the best price on auto insurance is with the smaller companies.

Budget-friendly auto insurance in Columbia can be bought from both online companies in addition to many Columbia insurance agents, so you need to quote Columbia auto insurance with both so you have a total pricing picture. Some companies may not offer online quoting and these regional insurance providers provide coverage only through local independent agencies.

Insureds switch companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is actually quite simple.

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