Auto Insurance Rates for a Nissan Xterra in Los Angeles

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Saving money on Nissan Xterra insurance in Los Angeles is slightly frustrating for drivers who have little experience comparing prices online. Because there are so many companies in the marketplace, it can quickly become a chore to find cheaper rates on Nissan Xterra insurance.

Insurance for Nissan XterraWe don't have to point out that fact that insurance companies don't want policyholders to compare prices from other companies. Consumers who get price quotes annually will probably switch companies because there are good odds of finding better rates. A recent survey revealed that drivers who routinely compared quotes saved on average $860 a year compared to drivers who never compared other company's rates.

If saving the most money on auto insurance is your objective, then having a grasp of how to get price quotes and compare insurance premiums can make the process more efficient.

It's important to price shop coverage every six months because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Nissan Xterra insurance in Los Angeles at your last renewal there is a good chance you can find better rates now. There are lots of tips to save on Xterra insurance online, but in this article, you're going to get some good information on how to stop overpaying for insurance in Los Angeles.

Buying the cheapest auto insurance in Los Angeles is not that difficult as long as you know where to start. If you are insured now, you will surely be able to get lower rates using these techniques. But California drivers should learn the way insurance companies market on the web and take advantage of how the system works.

The quickest method to compare insurance rates in your area is to know the fact most of the larger companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide a little information such as if your license is active, your job, if a SR-22 is needed, and whether you are married. Your details is then submitted to insurance companies and you will get price comparisons with very little delay.

To start a rate quote now, click here and complete the form.

The following companies are our best choices to provide free quotes in Los Angeles, CA. If multiple providers are shown, we recommend you click on several of them in order to get a fair rate comparison.

Lower-cost Los Angeles auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but there's a good chance there are discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be requested specifically before you get the savings.Cheaper auto insurance with discounts

  • Home Ownership Discount - Owning your own home or condo can save you money because of the fact that having a home shows financial diligence.
  • Payment Discounts - By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
  • Discount for Swiching Early - Some larger companies provide a discount for switching to them before your current expiration date. It can save you around 10%.
  • Bundled Policy Discount - If you can combine your home and auto policy with the same company you could earn a discount of approximately 10% to 15%.
  • Distant College Student Discount - Children who live away from home to go to college and do not take a car to college could get you a discount.
  • Paper-free Discount - A handful of companies give back up to $50 for signing up digitally online.
  • Use Seat Belts - Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it's possible to get free car insurance, auto insurance companies aren't that generous.

The illustration below illustrates the comparison of Nissan Xterra insurance prices with and without discounts applied to the premium. The data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, safe-driver, and homeowner discounts applied.

A few companies that may include some of the above discounts possibly include:

If you want inexpensive Los Angeles auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Some discounts listed above might not be available to policyholders in Los Angeles.

Insurance rate breakdown

The information displayed next highlights different insurance coverage prices for Nissan Xterra models. Being aware of how insurance policy rates are figured helps drivers make informed decisions.

Nissan Xterra Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $242 $298 $442 $26 $132 $1,140 $95
Xterra S 2WD $242 $298 $442 $26 $132 $1,140 $95
Xterra S 4WD $242 $298 $442 $26 $132 $1,140 $95
Xterra X 4WD $242 $298 $442 $26 $132 $1,140 $95
Xterra Off Road 4WD $278 $382 $442 $26 $132 $1,260 $105
Xterra SE 2WD $278 $382 $442 $26 $132 $1,260 $105
Xterra SE 4WD $278 $382 $442 $26 $132 $1,260 $105
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific location information which can modify coverage prices significantly.

Physical damage deductible comparison

A question often asked by Los Angeles drivers is where should you set your physical damage deductibles. The comparison tables below can help illustrate the rate fluctuation when you select higher and lower physical damage deductibles. The first set of rates uses a $250 deductible and the second price chart uses a $500 deductible.

Nissan Xterra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $298 $370 $442 $26 $132 $1,293 $108
Xterra S 2WD $298 $370 $442 $26 $132 $1,293 $108
Xterra S 4WD $298 $370 $442 $26 $132 $1,293 $108
Xterra X 4WD $298 $370 $442 $26 $132 $1,293 $108
Xterra Off Road 4WD $342 $472 $442 $26 $132 $1,439 $120
Xterra SE 2WD $342 $472 $442 $26 $132 $1,439 $120
Xterra SE 4WD $342 $472 $442 $26 $132 $1,439 $120
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Nissan Xterra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $242 $298 $442 $26 $132 $1,140 $95
Xterra S 2WD $242 $298 $442 $26 $132 $1,140 $95
Xterra S 4WD $242 $298 $442 $26 $132 $1,140 $95
Xterra X 4WD $242 $298 $442 $26 $132 $1,140 $95
Xterra Off Road 4WD $278 $382 $442 $26 $132 $1,260 $105
Xterra SE 2WD $278 $382 $442 $26 $132 $1,260 $105
Xterra SE 4WD $278 $382 $442 $26 $132 $1,260 $105
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific Los Angeles garaging location which can change rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $14 more each month or $168 every year than requesting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at least 18 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $113
Average monthly premium for $500 deductibles (subtract): - $99
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

Safe drivers pay cheaper rates

The illustration below demonstrates how citations and at-fault fender-benders can raise Nissan Xterra insurance rates for different insured age categories. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Auto insurance rates based on gender

The example below visualizes the comparison of Nissan Xterra yearly insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.

Full coverage or liability only

The diagram below visualizes the comparison of Nissan Xterra yearly insurance costs when comparing full coverage to state minimum liability only. The costs are based on no claims or driving citations, $100 deductibles, single status, and no policy discounts are applied.

When to buy liability coverage only

There is no definitive guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Nissan Xterra book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying more than $200 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where removing full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in case of an accident, you should not remove full coverage.

Buying insurance from Los Angeles insurance agents

Some people still like to sit down and talk to an agent and doing that can be a smart decision A nice benefit of comparing rate quotes online is the fact that you can find cheap rate quotes and also buy local.

Insurance agency in Los AngelesTo find an agent, once you fill out this form (opens in new window), your insurance coverage information is emailed to insurance agents in Los Angeles who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won't have to find an agent because quoted prices will be sent to you directly. You can find the lowest rates without a big time investment. If you wish to get a rate quote from a specific insurance provider, you just need to jump over to their website and fill out their quote form.

Deciding on a provider requires more thought than just the premium amount. Ask your prospective agent these questions:

  • In the event of vehicle damage, can you pick the collision repair facility?
  • How much can you save by raising your physical damage deductibles?
  • Does the agency have a positive business rating?
  • Do they get extra compensation for selling add-on coverages?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are they involved in claim handling?

If you want to buy insurance from a reliable agent, there are two different types of agents from which to choose. Insurance agents in Los Angeles are categorized either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only place business with one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. They are usually quite knowledgeable on what they offer which aids in selling service over price. Consumers sometimes choose to use a exclusive agent mostly because of high brand loyalty and solid financial strength.

The following are Los Angeles exclusive insurance agents that are able to give rate quotes.

More Los Angeles agents

Independent Insurance Agents

Agents in the independent channel are not employed by one company so they can quote policies with many different companies and help determine which has the cheapest rates. If your premiums go up, your agent can just switch to a different company which requires no work on your part.

If you need lower rates, we recommend you get insurance quotes from at a minimum one independent agency to maximize your price options. Many can place coverage with small regional insurance companies which may provide better rates.

Listed below is a list of independent insurance agencies in Los Angeles willing to provide price quotes.

More Los Angeles agents

Car insurance coverages 101

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism and damage from getting keyed. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Xterra from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, hitting a parking meter, driving through your garage door, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible on your Xterra in order to get cheaper collision rates.

Liability coverages

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people's claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people's vehicles, legal defense fees, loss of income, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. California requires minimum liability limits of 15/30/5 but it's recommended drivers buy more liability than the minimum.

The chart below demonstrates why buying minimum limits may not be high enough to adequately cover claims.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like rehabilitation expenses, X-ray expenses, dental work, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your Nissan Xterra.

Since many California drivers carry very low liability coverage limits (California limits are 15/30/5), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Persistence will pay off

Insureds leave their current company for a variety of reasons including policy non-renewal, poor customer service, denial of a claim or questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

Budget-friendly auto insurance in Los Angeles is available online and with local Los Angeles insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide online rate quotes and many times these small, regional companies only sell coverage through independent agencies.

When you buy Los Angeles auto insurance online, it's a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price.

Additional information is available at the links below