Do you want to save money by finding the cheapest Nissan Titan insurance in Louisville? Wish you could get out of an expensive insurance policy? It’s a common feeling and you’re not the only one.
It’s a known fact that car insurance companies don’t want their customers to go rate shopping. Insureds who shop around for cheaper rates will most likely switch to a new company because there is a great chance of finding a lower-priced policy. A recent survey found that consumers who compared rate quotes regularly saved an average of $860 a year compared to other drivers who never compared other company’s rates.
If finding the lowest price for car insurance is your ultimate objective, then having some insight into how to shop and compare car insurance can save time and make the process easier.
Due to the large number of options for buying cheaper insurance for a Nissan Titan in Louisville, it’s difficult to find the right insurer.
Smart consumers take time to do rate comparisons once or twice a year because insurance rates are variable and change quite frequently. Even if you got the best deal on Nissan Titan insurance in Louisville at your last renewal you will most likely find a better price today. Block out anything you think you know about insurance because you’re going to learn one of the easiest ways to save money, get proper coverage and the best rates.
Don’t overlook these Nissan Titan insurance discounts
Car insurance is not cheap nor is it fun to buy but there may be some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but occasionally some discounts must be inquired about before you get the savings.
- Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
- Own a Home and Save – Simply owning a home can save a few bucks because maintaining a house is proof that your finances are in order.
- Policy Bundle Discount – When you have multiple policies with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
- Waiver for an Accident – Not really a discount, but a few companies such as Liberty Mutual, GEICO and Allstate will let one accident slide before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
- Save over 55 – Drivers that qualify as senior citizens may qualify for better car insurance rates.
- Low Mileage Discounts – Low annual miles can qualify you for cheaper rates.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off depending on your company.
- Membership in Organizations – Participating in specific professional or occupational memberships or organizations could qualify you for a break when getting a Louisville auto insurance quote.
- Telematics Data – Policyholders that allow their company to track driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
One last thing about discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way.
The diagram below compares Nissan Titan car insurance rates with and without policy discounts. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Kentucky state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, marriage, and multi-car discounts applied.
A few of the larger companies and some of the discounts can be read below.
- Progressive offers discounts for homeowner, continuous coverage, good student, multi-vehicle, and online signing.
- AAA offers discounts including pay-in-full, multi-policy, multi-car, AAA membership discount, and good driver.
- Farmers Insurance may include discounts for good student, homeowner, distant student, bundle discounts, alternative fuel, youthful driver, and multi-car.
- GEICO has discounts for daytime running lights, emergency military deployment, federal employee, seat belt use, five-year accident-free, multi-policy, and anti-lock brakes.
- Esurance may offer discounts for online quote, safety device, paid-in-full, anti-lock brakes, defensive driver, multi-policy, and multi-car.
- SAFECO has savings for teen safe driver, teen safety rewards, homeowner, bundle discounts, anti-theft, and accident prevention training.
- State Farm offers premium reductions for Steer Clear safe driver discount, good student, multiple policy, accident-free, Drive Safe & Save, and student away at school.
Before buying, ask each company which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in Louisville. If you would like to view companies that offer the discounts shown above in Louisville, click this link.
The majority of larger companies such as Progressive, GEICO, Allstate and State Farm give coverage prices online. Comparing prices online for Nissan Titan insurance in Louisville is quite easy as you just type in your required coverages as requested by the quote form. Behind the scenes, the system obtains your credit score and driving record and quotes a price determined by many factors. Using the web to get quotes for Nissan Titan insurance in Louisville simplifies rate comparisons, and it’s absolutely necessary to get many rate quotes if you want to find a lower rate.
To quickly find out what other companies charge, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you replicate the limits and deductibles exactly as they are listed on your policy. This makes sure you will receive a price comparison for exact coverage.
The companies in the list below are ready to provide price quotes in Louisville, KY. If you want the best auto insurance in KY, we suggest you visit as many as you can to get the best price comparison.
Nissan Titan detailed coverage information
The rate table displayed next showcases a range of insurance rates for Nissan Titan models. Being more informed about how policy rates are formulated is important for making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $280 | $508 | $326 | $20 | $98 | $1,232 | $103 |
| Titan XE King Cab 2WD | $318 | $508 | $408 | $24 | $122 | $1,380 | $115 |
| Titan XE Crew Cab 4WD | $318 | $508 | $326 | $20 | $98 | $1,270 | $106 |
| Titan SE King Cab 4WD | $318 | $508 | $326 | $20 | $98 | $1,270 | $106 |
| Titan XE Crew Cab 2WD | $318 | $508 | $408 | $24 | $122 | $1,380 | $115 |
| Titan SE King Cab 2WD | $318 | $508 | $408 | $24 | $122 | $1,380 | $115 |
| Titan SE Crew Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,360 | $113 |
| Titan Pro-4X King Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,360 | $113 |
| Titan SE Crew Cab 2WD | $318 | $598 | $408 | $24 | $122 | $1,470 | $123 |
| Titan Pro-4X Crew Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,360 | $113 |
| Titan LE Crew Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,360 | $113 |
| Titan LE Crew Cab 2WD | $354 | $598 | $408 | $24 | $122 | $1,506 | $126 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in Louisville location which can impact rates considerably.
Can higher deductibles save money?
When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The comparison tables below help summarize how much more rates are when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $280 | $508 | $326 | $20 | $98 | $1,257 | $105 |
| Titan XE King Cab 2WD | $318 | $508 | $408 | $24 | $122 | $1,405 | $117 |
| Titan XE Crew Cab 4WD | $318 | $508 | $326 | $20 | $98 | $1,295 | $108 |
| Titan SE King Cab 4WD | $318 | $508 | $326 | $20 | $98 | $1,295 | $108 |
| Titan XE Crew Cab 2WD | $318 | $508 | $408 | $24 | $122 | $1,405 | $117 |
| Titan SE King Cab 2WD | $318 | $508 | $408 | $24 | $122 | $1,405 | $117 |
| Titan SE Crew Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Titan Pro-4X King Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Titan SE Crew Cab 2WD | $318 | $598 | $408 | $24 | $122 | $1,495 | $125 |
| Titan Pro-4X Crew Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Titan LE Crew Cab 4WD | $318 | $598 | $326 | $20 | $98 | $1,385 | $115 |
| Titan LE Crew Cab 2WD | $354 | $598 | $408 | $24 | $122 | $1,531 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $156 | $268 | $326 | $20 | $98 | $868 | $72 |
| Titan XE King Cab 2WD | $176 | $268 | $408 | $24 | $122 | $998 | $83 |
| Titan XE Crew Cab 4WD | $176 | $268 | $326 | $20 | $98 | $888 | $74 |
| Titan SE King Cab 4WD | $176 | $268 | $326 | $20 | $98 | $888 | $74 |
| Titan XE Crew Cab 2WD | $176 | $268 | $408 | $24 | $122 | $998 | $83 |
| Titan SE King Cab 2WD | $176 | $268 | $408 | $24 | $122 | $998 | $83 |
| Titan SE Crew Cab 4WD | $176 | $316 | $326 | $20 | $98 | $936 | $78 |
| Titan Pro-4X King Cab 4WD | $176 | $316 | $326 | $20 | $98 | $936 | $78 |
| Titan SE Crew Cab 2WD | $176 | $316 | $408 | $24 | $122 | $1,046 | $87 |
| Titan Pro-4X Crew Cab 4WD | $176 | $316 | $326 | $20 | $98 | $936 | $78 |
| Titan LE Crew Cab 4WD | $176 | $316 | $326 | $20 | $98 | $936 | $78 |
| Titan LE Crew Cab 2WD | $196 | $316 | $408 | $24 | $122 | $1,066 | $89 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in zip code location which can revise rates greatly.
Based on this data, using a $100 deductible would cost the average driver about $35 more each month or $420 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 26 months between claim filings, you would come out ahead if you decide on a higher deductible.
The example below highlights how deductible choice and can change Nissan Titan annual premium costs for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Driving violations and accidents
The chart below illustrates how violations and at-fault collisions can affect Nissan Titan insurance premiums for different ages of insureds. The premiums are based on a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Does it make sense to buy full coverage?
The chart below visualizes the comparison of Nissan Titan insurance costs with and without full coverage. The information is based on no claims or violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.
When to drop full coverage
There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Nissan Titan book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after the policy deductible has been paid. If it’s costing you more than $800 a year for full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping full coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not remove full coverage.
Car insurance agents can help
Many people would rather have an agent’s advice and that can be a smart move One of the great benefits of getting free rate quotes online is the fact that drivers can get cheap car insurance rates and also buy local. Supporting neighborhood agents is definitely important in Louisville.
For easy comparison, once you complete this quick form, the quote information is emailed to insurance agents in Louisville that give free quotes for your coverage. You won’t even need to leave your house as quotes are delivered to your email. You can find better rates without the usual hassles of price shopping. If for some reason you want to compare prices from one company in particular, you would need to search and find their rate quote page and complete a quote there.
If you are wanting to find a local insurance agency, it helps to know the two different agency structures that you can select. Agents in Louisville may be either exclusive or independent.
Independent Car Insurance Agents (or Brokers)
Agents of this type can sell policies from many different companies so they can write business amongst many companies and help determine which has the cheapest rates. If they find a lower price, your agent can just switch to a different company and you don’t have to do anything.
If you need lower rates, you definitely need to compare prices from at a minimum one independent agency to have the best price comparison.
Below is a short list of independent insurance agents in Louisville that may be able to provide free rate quotes.
A Central Insurance Agency
6708 Shepherdsville Rd – Louisville, KY 40228 – (502) 968-1112 – View Map
Schmidt Insurance Inc
7410 New La Grange Rd – Louisville, KY 40222 – (502) 429-0477 – View Map
Gerald Schott Insurance
10602 Timberwood Cir # 14 – Louisville, KY 40223 – (502) 426-5887 – View Map
Exclusive Insurance Agents
Exclusive agents normally can only provide a single company’s rates like State Farm, AAA, and Liberty Mutual. They usually cannot provide prices from multiple companies so they really need to provide good service. Exclusive agencies are well schooled on their products and sales techniques and that allows them to sell at a higher price point.
Shown below is a list of exclusive insurance agents in Louisville willing to provide rate quotes.
Mary Henry – State Farm Insurance Agent
5800 Bardstown Rd – Louisville, KY 40291 – (502) 491-7797 – View Map
Brandon Warren – State Farm Insurance Agent
12342 Shelbyville Rd – Louisville, KY 40243 – (502) 254-9300 – View Map
Clay Robinson – State Farm Insurance Agent
8145 New La Grange Rd – Louisville, KY 40222 – (502) 426-1511 – View Map
Choosing the best insurance agency requires you to look at more than just the quoted price. These are some questions you should get answers to.
- Will they give you a referral list?
- How long has their agency been in business in Louisville?
- Which members of your family are coverage by the policy?
- Are they giving you every discount you deserve?
- What insurance company do they write the most business with?
- Do they specialize in personal lines coverage in Louisville?
If you feel you receive good responses to all your questions and affordable Nissan Titan insurance rates in Louisville quotes, it’s possible that you found an insurance agent that can provide car insurance coverage.
Don’t give up on cheaper rates
Cheap Nissan Titan insurance in Louisville can be sourced from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies don’t offer online price quotes and many times these small insurance companies sell through local independent agents.
We just covered quite a bit of information on how to shop for Nissan Titan insurance online. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give better rates than their larger competitors like Allstate, GEICO and Progressive.
Steps to finding better rates for Nissan Titan insurance in Louisville
The recommended way to find low-cost Nissan Titan insurance is to start comparing rates regularly from providers in Louisville.
- It will benefit you to learn about what is in your policy and the changes you can make to keep rates in check. Many risk factors that increase rates like accidents, traffic violations, and poor credit history can be improved by making lifestyle changes or driving safer.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide prices from multiple companies.
- Compare the quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.
- Notify your agent or company of your intention to cancel the current policy and submit the application along with any required down payment to your new insurance company. Be sure to keep your new certificate of insurance somewhere easily accessible.
A valuable tip to remember is that you’ll want to compare similar coverage information on each price quote and and to compare as many carriers as you can. Doing this enables a level playing field and plenty of rates choose from.
More information can be found on the following sites:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Affordable Auto Insurance Quotes for a Jeep Wrangler in Louisville? (FAQ)
- What Auto Insurance is Cheapest for a GMC Acadia in Louisville? (FAQ)
- What Insurance is Cheapest for High Risk Drivers in Louisville? (FAQ)
- Who Has Cheap Car Insurance Rates for a 20 Year Old Male in Louisville? (FAQ)
- How Much is Auto Insurance for Safe Drivers in Louisville? (FAQ)
- Who Has Affordable Louisville Auto Insurance Quotes for Nurses? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Safety Features for Your New Car (State Farm)
- Drunk Driving Statistics (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)