A study showed that a large majority of consumers have bought auto insurance from the same company for over three years, and just under half have never compared rate quotes at all. With the average auto insurance premium being $1,847, American drivers can save hundreds of dollars each year just by shopping around, but most tend to underestimate the big savings they would realize if they switched to a more affordable policy.
The best way we recommend to get discount Nissan Xterra insurance is to annually compare prices from different companies that sell auto insurance in Louisville.
- First, spend a few minutes and learn about how car insurance works and the measures you can take to prevent expensive coverage. Many risk factors that increase rates such as at-fault accidents and a not-so-good credit score can be rectified by making minor changes to your lifestyle. Read the full article for more details to get better rates and earn a bigger discount.
- Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple insurance companies. Begin your rate comparison
- Third, compare the quotes to your current policy and see if you can save money. If you can save some money and switch companies, make sure there is no lapse in coverage.
- Fourth, provide written notification to your current company of your decision to cancel your current car insurance policy and submit payment and a completed application to the new company. Once the application is submitted, put the certificate verifying coverage along with the vehicle’s registration papers.
One key aspect of rate comparisons is that you’ll want to compare similar deductibles and liability limits on every quote request and and to get quotes from all possible companies. This enables a level playing field and a complete price analysis.
Buying affordable car insurance in Louisville seems hard but is not really that difficult. If you have car insurance now, you will most likely be able to find the best rates using these techniques. Drivers only have to learn the quickest method to compare company rates over the internet.
The easiest way to compare insurance rates from multiple companies is to know most of the larger companies participate in a system to provide you with free rate quotes. All consumers are required to do is provide information like whether you drive to work or school, how much you drive, if you have a valid license, and whether your vehicle is owned or leased. The data is instantly provided to all major companies and you receive quotes within a short period of time.
To check rates for your Nissan Xterra now, click here and see if a lower rate is available in Louisville.
The companies shown below offer price quotes in Louisville, KY. If you want cheap car insurance in Kentucky, we recommend you compare several of them in order to find the lowest rates.
Nissan Xterra insurance analysis
The premium information displayed below highlights different insurance coverage prices for Nissan Xterra models. Learning how insurance quotes are established can be valuable when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $212 | $310 | $424 | $26 | $128 | $1,100 | $92 |
| Xterra S 2WD | $212 | $310 | $424 | $26 | $128 | $1,100 | $92 |
| Xterra S 4WD | $212 | $310 | $424 | $26 | $128 | $1,100 | $92 |
| Xterra X 4WD | $212 | $310 | $424 | $26 | $128 | $1,100 | $92 |
| Xterra Off Road 4WD | $242 | $394 | $424 | $26 | $128 | $1,214 | $101 |
| Xterra SE 2WD | $242 | $394 | $424 | $26 | $128 | $1,214 | $101 |
| Xterra SE 4WD | $242 | $394 | $424 | $26 | $128 | $1,214 | $101 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific location which can raise or lower premium rates greatly.
The illustration below shows how different deductible levels and can influence Nissan Xterra annual premium costs for different age categories. The costs are based on a married female driver, full coverage, and no other discounts are factored in.
Insurance rate increases from tickets or accidents
The information below highlights how speeding tickets and at-fault claims can drive up Nissan Xterra insurance costs for different insured age categories. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Cost difference between full coverage and liability
The chart below shows the difference between Nissan Xterra insurance prices with and without physical damage coverage. The costs are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive guideline that is best for determining when to drop full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Nissan Xterra replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the deductible is paid. If it’s costing you more than $500 annually to have full coverage, then you might consider buying liability only.
There are some scenarios where removing full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Can’t I compare rates from local Louisville car insurance agents?
A lot of people prefer to talk to an insurance agent and that is just fine! Good insurance agents are very good at helping people manage risk and help you file claims. One of the great benefits of price shopping on the web is that drivers can save money and get the lowest rates and still choose a local agent.
Once you complete this form (opens in new window), your information is immediately sent to companies in Louisville who will gladly provide quotes for your coverage. You won’t need to contact any agents as quotes are delivered straight to your inbox. If you want to quote rates from one company in particular, feel free to jump over to their website and submit a quote form there.
Choosing the best insurance company should include more criteria than just a cheap price. Here are some questions you should ask.
- Do they have cheaper tiers of coverage?
- Do they have 24-hour customer assistance?
- Are they properly licensed to sell insurance in Kentucky?
- Can they provide you with a list of referrals?
- Do they feel the quoted coverages are adequate?
- Do they regularly work with personal auto policies in Louisville?
- Does the company have a solid financial rating?
- How much can you save by raising your physical damage deductibles?
Pick the best car insurance agent in Louisville for you
If you want to use a good insurance agency, it helps to know the two types of agencies and how they operate. Agents in Louisville can be described as either exclusive or independent agents depending on their company appointments. Both types can write policy coverage, but it’s a good idea to understand the subtle differences since it can affect the type of agent you choose.
Exclusive Agencies
These agents have only one company to place business with such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. They are highly trained on what they offer which helps them compete with independent agents. Consumers frequently use the same exclusive agent mainly due to loyalty to the company and strong financial ratings.
Below are Louisville exclusive agents who can help you get price quotes.
- Duanne Hawkins Cooper – State Farm Insurance Agent
2152 Glenworth Ave – Louisville, KY 40218 – (502) 458-0258 – View Map - Troy Coulter – State Farm Insurance Agent
4906 Outer Loop – Louisville, KY 40219 – (502) 964-2002 – View Map - Sam Wheeler – State Farm Insurance Agent
2902 Bardstown Rd – Louisville, KY 40205 – (502) 459-9700 – View Map
Independent Agents
These type of agents are not restricted to one company and that enables them to quote your coverage amongst many companies and possibly get better coverage at lower prices. If you want to switch companies, they simply move your policy to a different company and you don’t have to switch agencies.
If you are trying to find cheaper rates, it’s recommended you compare quotes from at a minimum one independent agency to get the best comparison. Most also have access to lesser-known insurance companies that may provide cheaper auto insurance rates.
Below are independent insurance agencies in Louisville that are able to give comparison quotes.
- Nelson Insurance Group
2000 Envoy Cir # 2000 – Louisville, KY 40299 – (502) 736-7000 – View Map - Grant Insurance Agency, LLC
13000 Equity Pl #201 – Louisville, KY 40223 – (502) 254-3332 – View Map - Linda B Morton Insurance Agency
4600 Outer Loop – Louisville, KY 40219 – (502) 966-5637 – View Map