Nissan Xterra Insurance Rate Quotes in Jersey City

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Insurance quote for Nissan Xterra in Jersey CityWe don't have to point out that fact that car insurance companies want to keep you from comparing prices. Consumers who shop around for better prices will presumably switch companies because there is a good chance of finding a policy with better rates. A recent survey revealed that consumers who shopped around every year saved $860 a year as compared to drivers who never compared rates.

If finding the cheapest price for Nissan Xterra insurance in Jersey City is your ultimate objective, knowing how to quote prices and compare insurance coverage can make it easier to shop your coverage around.

If you want to save money, the best way to save money on car insurance rates is to compare prices annually from insurers who provide car insurance in Jersey City.

  1. Try to learn about how companies set rates and the things you can change to lower rates. Many risk factors that cause rate increases like at-fault accidents, speeding tickets, and an unacceptable credit history can be remedied by making minor changes in your lifestyle. Read the full article for tips to help reduce prices and earn a bigger discount.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of companies. Begin your rate comparison
  3. Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you can save money, ensure there is no coverage lapse between policies.

The key thing to remember is to make sure you enter the same liability limits and deductibles on every price quote and and to get prices from as many carriers as you can. This provides a fair price comparison and the best price selection.

The providers in the list below provide quotes in Jersey City, NJ. To find the cheapest car insurance in Jersey City, it's a good idea that you get rates from several of them in order to get a fair rate comparison.

Car insurance discounts help lower rates for Nissan Xterra insurance in Jersey City

Some companies don't list all available discounts very clearly, so the following list contains some of the more common in addition to some of the lesser obvious discounts that you may qualify for. If they aren't giving you every credit you deserve, you are just wasting money.Discount car insurance

  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with some car insurance companies.
  • Distant College Student Discount - Youth drivers who are attending college and don't have a car may be insured at a cheaper rate.
  • Safety Course Discount - Taking a defensive driving class could possibly earn you a 5% discount and also improve your driving technique.
  • Seat Belt Discounts - Buckling up and requiring all passengers to buckle up can save 10% or more off the PIP or medical payment premium.
  • Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you better prices if you take out a life insurance policy as well.
  • Early Signing - Some companies give discounts for switching companies before your current coverage expires. It could save around 10% when you buy Jersey City auto insurance online.
  • Telematics Devices - People who choose to allow their car insurance company to track when and where they use their vehicle by using a telematics device such as Progressive's Snapshot might see lower rates as long as the data is positive.

You can save money using discounts, but many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that it's possible to get free car insurance, insurance companies wouldn't stay in business. Any amount of discount should definitely cut your policy premiums.

The illustration below shows the difference between Nissan Xterra annual premium costs with and without discounts being applied to the rates. The prices are based on a female driver, no claims or driving citations, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

A few popular companies and some of the discounts can be read below.

  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, multi-policy, homeowner, and online signing.
  • The Hartford may offer discounts for bundle, good student, driver training, air bag, defensive driver, and vehicle fuel type.
  • Mercury Insurance offers discounts including ease of repair, good student, low natural disaster claims, multi-policy, good driver, and professional/association.
  • GEICO includes discounts for seat belt use, anti-lock brakes, air bags, multi-policy, and good student.
  • AAA discounts include pay-in-full, AAA membership discount, good driver, anti-theft, and multi-car.
  • State Farm offers premium reductions for driver's education, multiple policy, accident-free, defensive driving training, passive restraint, student away at school, and good driver.

Check with each insurance company to give you their best rates. Some credits may not be available in Jersey City. If you would like to see a list of insurance companies that offer discounts in New Jersey, click here to view.

Coverage analysis

The coverage information shown below highlights a range of insurance costs for Nissan Xterra models. Having a good grasp of how insurance premiums are figured is important for drivers to make decisions when shopping around.

Nissan Xterra Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $252 $368 $624 $36 $188 $1,468 $122
Xterra S 2WD $252 $368 $624 $36 $188 $1,468 $122
Xterra S 4WD $252 $368 $624 $36 $188 $1,468 $122
Xterra X 4WD $252 $368 $624 $36 $188 $1,468 $122
Xterra Off Road 4WD $290 $468 $624 $36 $188 $1,606 $134
Xterra SE 2WD $290 $468 $624 $36 $188 $1,606 $134
Xterra SE 4WD $290 $468 $624 $36 $188 $1,606 $134
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in your specific Jersey City location which can revise price quotes noticeably.

How high should deductibles be?

One common question asked by Jersey City drivers is how high should your deductibles be. The rates shown below lay out the rate differences between low and high deductibles. The first rate quote example uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Nissan Xterra insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $360 $480 $480 $28 $144 $1,517 $126
Xterra S 2WD $360 $480 $480 $28 $144 $1,517 $126
Xterra S 4WD $360 $480 $480 $28 $144 $1,517 $126
Xterra X 4WD $360 $480 $480 $28 $144 $1,517 $126
Xterra Off Road 4WD $414 $614 $480 $28 $144 $1,705 $142
Xterra SE 2WD $414 $614 $480 $28 $144 $1,705 $142
Xterra SE 4WD $414 $614 $480 $28 $144 $1,705 $142
Get Your Own Custom Quote Go
Nissan Xterra insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $264 $324 $480 $28 $144 $1,240 $103
Xterra S 2WD $264 $324 $480 $28 $144 $1,240 $103
Xterra S 4WD $264 $324 $480 $28 $144 $1,240 $103
Xterra X 4WD $264 $324 $480 $28 $144 $1,240 $103
Xterra Off Road 4WD $302 $414 $480 $28 $144 $1,368 $114
Xterra SE 2WD $302 $414 $480 $28 $144 $1,368 $114
Xterra SE 4WD $302 $414 $480 $28 $144 $1,368 $114
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can impact prices noticeably.

We can derive from the above data that using a $100 deductible costs roughly $25 more each month or $300 a year averaged for all Xterra models than buying the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claims, you would probably come out ahead if you choose the higher deductible.

The example below highlights how deductible choice and can influence Nissan Xterra premium costs for different age groups. The premiums assume a married female driver, full coverage, and no discounts are taken into consideration.

What Affects Nissan Xterra Insurance Prices?

Lots of things are considered when you get a price on insurance. A few of the factors are predictable like your driving record, although some other factors are not quite as obvious such as your credit history and annual miles driven.

  • Cut prices and deter theft - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Females tend to take less risk - Over time, data shows that females take fewer risks when driving. However, this does not mean females are better at driving than males. They both cause auto accidents at a similar rate, but the men cause more damage. They also receive more major tickets like DUI and reckless driving. Young males tend to get in the most accidents so it costs more to insure them.

    The diagram below illustrates the comparison of Nissan Xterra yearly insurance costs for male and female drivers. Data assumes no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

  • Less chance of injury means lower prices - Vehicles with good safety scores are cheaper to insure. Highly rated vehicles reduce injuries and fewer serious injuries means your insurance company pays less which can result in lower premiums. If your Nissan earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Where you call home factors in - Residing in less populated areas may provide you with better prices when insuring your vehicles. Drivers in populated areas tend to have more road rage incidents and more time behind the wheel. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims.
  • Do you really need the extra policy coverages? - Insurance companies have many add-on coverages that sound like a good idea at the time on your Xterra policy. Insurance for things like roadside assistance, accident forgiveness, and additional equipment coverage are probably not needed. These coverages may sound good when you first buy your policy, but now you might not need them so consider taking them off your policy.
  • Cheaper rates with high deductibles - Deductibles for physical damage are the amount of money you are required to pay if you file a covered claim. Protection for physical damage, aka comp and collision, insures against damage to your car. Examples of covered claims are rear-ending another vehicle, collision with a deer, and damage caused by road hazards. The larger the amount the insured is willing to pay, the better rate you will receive.
  • Accidents increase costs - Careful drivers have lower premiums compared to drivers with tickets. Just one driving citation could increase your next policy renewal to the point where it's not affordable. Drivers with flagrant violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.

    The example below shows how violations and at-fault fender-benders raise Nissan Xterra auto insurance costs for each different age group. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

  • Stress out and pay more - Jobs like judges, air traffic controllers, and stock brokers generally have the highest average rates due to job stress and incredibly demanding work hours. On the other hand, jobs such as actors, students and retirees generally pay rates lower than average.
  • Nissan Xterra claim probability - Auto insurance companies use data from past claims in order to profitably underwrite each model. Vehicles that the data determines to have increased losses will cost more for coverage. The table below illustrates the insurance loss data for Nissan Xterra vehicles.

    For each insurance policy coverage type, the loss probability for all vehicles compiled together is set at 100. Percentage numbers below 100 imply a favorable loss record, while values that are above 100 point to more claims or tendency to have larger claims.

    Insurance Loss Ratings for Nissan Xterra Vehicles
    Specific Nissan 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

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

Are auto insurance agents of importance?

A lot of people still like to sit down and talk to an agent and that is just fine! Good insurance agents can help determine the best coverages and will help you if you have claims. An additional benefit of comparing rate quotes online is you may find better rates but still work with a licensed agent.

Find insurance agent in Jersey CityUpon completion of this form (opens in new window), your information gets sent to insurance agents in Jersey City who will gladly provide quotes for your business. It makes it easy because there is no need to contact an agency because prices are sent directly to your email. In the event you want to get a price quote from a specific company, you would need to search and find their rate quote page and give them your coverage information.

Finding the right insurer requires more thought than just a cheap price. Below are some questions you should ask.

  • Did they already check your driving record and credit reports?
  • When do they do policy reviews?
  • Is the agency involved in supporting local community causes?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are they giving you every discount you deserve?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they get paid more for recommending certain coverages?
  • Is auto insurance their primary focus in Jersey City?

New Jersey car insurance company ratings

Finding the top insurance company can be rather challenging considering how many choices you have in Jersey City. The company rank data listed below could help you analyze which car insurance companies you want to consider shopping your coverage with.

Top 10 Jersey City Car Insurance Companies Ranked by Value

  1. The Hartford
  2. Mercury Insurance
  3. Farmers Insurance
  4. Safeco Insurance
  5. AAA Insurance
  6. 21st Century
  7. Travelers
  8. State Farm
  9. Progressive
  10. American Family

Quote often and quote early

In this article, we covered a lot of ways to find lower-cost Nissan Xterra insurance in Jersey City. It's most important to understand that the more quotes you get, the better chance you'll have of finding the cheapest Nissan Xterra rate quotes. You may even find the lowest prices are with a lesser-known regional company.

When trying to cut insurance costs, it's not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.

People leave their current company for a number of reasons such as being labeled a high risk driver, not issuing a premium refund, delays in responding to claim requests or even lack of trust in their agent. No matter why you want to switch, switching insurance companies is pretty simple and you could end up saving a buck or two.

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