Nissan Titan Insurance Rate Quotes in Los Angeles

Would you like an easy way to compare more affordable Nissan Titan insurance in Los Angeles? Scraping up a payment for expensive Nissan Titan insurance in Los Angeles can bottom out your funds and force you to cut corners elsewhere. Doing a rate analysis is a great way to reduce premiums and put more money in your pocket.

Insurance quote for Nissan Titan in Los AngelesIt’s safe to conclude that insurance companies don’t want you comparing rates. Drivers who get price comparisons will most likely switch insurance companies because of the good chance of finding a lower-priced company. A recent survey revealed that people who compared prices once a year saved approximately $3,450 over four years compared to policyholders who never compared prices.

If finding the cheapest rates on auto insurance is the reason for your visit, then learning about how to compare auto insurance can help you succeed in saving money.

Due to the increasing number of different company options, it is hard for the average consumer to choose the cheapest insurance company.

Companies offering cheap Nissan Titan price quotes in Los Angeles, CA

The auto insurance companies shown below provide free rate quotes in Los Angeles, CA. If multiple companies are shown, we suggest you get price quotes from several of them to find the most competitive auto insurance rates.

Nissan Titan insurance rate analysis

The rate table displayed next covers a range of insurance rates for Nissan Titan models. Knowing how insurance quotes are determined can help guide drivers when making smart choices when comparing insurance rates.


Nissan Titan Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $278 $464 $442 $26 $132 $1,342 $112
Titan XE King Cab 2WD $314 $464 $552 $32 $166 $1,528 $127
Titan XE Crew Cab 4WD $314 $464 $442 $26 $132 $1,378 $115
Titan SE King Cab 4WD $314 $464 $442 $26 $132 $1,378 $115
Titan XE Crew Cab 2WD $314 $464 $552 $32 $166 $1,528 $127
Titan SE King Cab 2WD $314 $464 $552 $32 $166 $1,528 $127
Titan SE Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Titan Pro-4X King Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Titan SE Crew Cab 2WD $314 $546 $552 $32 $166 $1,610 $134
Titan Pro-4X Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Titan LE Crew Cab 4WD $314 $546 $442 $26 $132 $1,460 $122
Titan LE Crew Cab 2WD $348 $546 $552 $32 $166 $1,644 $137
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific location which can impact prices noticeably.

Physical damage deductible comparison

One of the most common auto insurance questions is where should you set your physical damage deductibles. The following insurance rates help summarize the cost difference when you choose different coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.


Nissan Titan insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $380 $686 $442 $26 $132 $1,691 $141
Titan XE King Cab 2WD $430 $686 $552 $32 $166 $1,891 $158
Titan XE Crew Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Titan SE King Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Titan XE Crew Cab 2WD $430 $686 $552 $32 $166 $1,891 $158
Titan SE King Cab 2WD $430 $686 $552 $32 $166 $1,891 $158
Titan SE Crew Cab 4WD $430 $810 $442 $26 $132 $1,865 $155
Titan Pro-4X King Cab 4WD $430 $810 $442 $26 $132 $1,865 $155
Titan SE Crew Cab 2WD $430 $810 $552 $32 $166 $2,015 $168
Titan Pro-4X Crew Cab 4WD $430 $810 $442 $26 $132 $1,865 $155
Titan LE Crew Cab 4WD $430 $810 $442 $26 $132 $1,865 $155
Titan LE Crew Cab 2WD $478 $810 $552 $32 $166 $2,063 $172
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Nissan Titan insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $210 $362 $442 $26 $132 $1,172 $98
Titan XE King Cab 2WD $238 $362 $552 $32 $166 $1,350 $113
Titan XE Crew Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Titan SE King Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Titan XE Crew Cab 2WD $238 $362 $552 $32 $166 $1,350 $113
Titan SE King Cab 2WD $238 $362 $552 $32 $166 $1,350 $113
Titan SE Crew Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Titan Pro-4X King Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Titan SE Crew Cab 2WD $238 $426 $552 $32 $166 $1,414 $118
Titan Pro-4X Crew Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Titan LE Crew Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Titan LE Crew Cab 2WD $266 $426 $552 $32 $166 $1,442 $120
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can change price quotes substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $47 more each month or $564 a year across all Nissan Titan models than selecting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claims, you would more than likely save some money by selecting a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $155
Average monthly premium for $1,000 deductibles (subtract): – $108
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One big caveat is that a higher deductible level results in having to pay to pay more out-of-pocket at claim time. You will want to have enough disposable savings in the event you need to pay the higher deductible.

Impact of citations and accidents on insurance rates

The chart below demonstrates how traffic citations and accident claims can impact Nissan Titan auto insurance costs for different age categories. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Gender differences in auto insurance premiums

The chart below shows the difference between Nissan Titan car insurance costs for male and female drivers. The rates are based on no violations or accidents, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.

Cost comparison with and without full coverage

The information below compares Nissan Titan insurance costs when comparing full coverage to state minimum liability only. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There isn’t a written rule of when to drop comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let’s assume your Nissan Titan settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If it’s costing you more than $300 a year for full coverage, then you might want to think about dropping full coverage.

There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Verify you’re earning every discount

Insurance is not cheap nor is it fun to buy but there could be available discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be manually applied before they will apply.

Discounts lower rates, but some of the credits will not apply to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The example below shows the difference between Nissan Titan insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, claim-free, and safe-driver discounts applied.

Popular insurance companies and a selection of discounts are:

Before you buy a policy, ask all the companies which discounts you qualify for. Discounts may not apply to policyholders everywhere.

When to contact an agent

Many people still like to get professional advice from a licensed agent and that is OK! A good thing about comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent.

To help locate an agent, after submitting this form (opens in new window), the quote information is instantly submitted to participating agents in Los Angeles who will return price quotes for your insurance coverage. You don’t have to visit any agencies since rate quotes are delivered directly to your email. You can find the lowest rates and an insurance agent to talk to. If you wish to compare prices from a specific insurance company, you can always find their quoting web page and complete a quote there.

Selecting an insurance company requires you to look at more than just the quoted price. These are some valid questions you should ask.

Insurance specifics

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Collision insurance

This covers damage to your Titan resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle and rolling your 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 Titan in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, prosthetic devices, ambulance fees, X-ray expenses and doctor visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, hitting a deer, falling objects and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that means you have a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.

Liability insurance covers things like bail bonds, attorney fees, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing more coverage.

The next chart demonstrates why low liability limits may not provide you with enough coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Titan.

Due to the fact that many California drivers have only the minimum liability required by law (15/30/5 in California), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Smart shoppers get results

Budget-friendly car insurance in Los Angeles is available on the web in addition to many Los Angeles insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not have online rate quotes and many times these small, regional companies only sell coverage through independent agencies.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

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