Save Money on Nissan Xterra Insurance in Omaha

Shocking but true, nearly 70% of consumers have bought insurance from the same company for four years or more, and 38% of customers have never taken the time to shop around. The average driver in Omaha can save about $388 each year by just shopping around, but they just assume it’s a time-consuming process to compare rate quotes.

The most effective way to find more affordable Nissan Xterra insurance is to start comparing prices yearly from insurers in Omaha. You can shop around by following these steps.

• Step 1: Spend a few minutes and learn about how insurance works and the changes you can make to keep rates in check. Many things that are responsible for high rates such as high-risk driving behaviors and a bad credit score can be remedied by improving your driving habits or financial responsibility. This article gives more information to get affordable coverage and find overlooked discounts.
• Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agencies can quote rates for a wide range of insurance providers.
• Step 3: Compare the new rate quotes to your existing rates and determine if cheaper Xterra coverage is available. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
• Step 4: Give notification to your agent or company of your intention to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to the newly selected company. Don’t forget to put the new proof of insurance paperwork somewhere easily accessible.

The key aspect of shopping around is to try to compare identical deductibles and limits on every quote and and to look at as many companies as you can. This enables the most accurate price comparison and the best rate selection.

To find low cost prices, there are a couple of ways of comparing rates from different companies. The simplest method to compare rates is to get quotes online. Just keep in mind that comparing a large number of companies helps locate a lower rate than you’re paying now.

The companies shown below provide comparison quotes in Nebraska. To get the best auto insurance in Omaha, it’s highly recommended you visit several of them in order to find the most competitive rates.

Insurance analysis for a Nissan Xterra

The data table displayed next highlights detailed analysis of insurance policy prices for Nissan Xterra models. Having a good grasp of how auto insurance policy rates are calculated can be useful when making informed decisions when comparing rate quotes.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in your specific Omaha location which can revise coverage rates greatly.

Can higher deductibles save money?

One of the most common insurance questions is what deductibles to buy. The figures shown below may aid in understanding the price difference of buying low and high comp and collision deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in zip code location which can lower or raise coverage rates considerably.

Based on the data above, we can derive that using a $100 deductible costs approximately $16 more each month or $192 for a full year averaged for all Xterra models than requesting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 25 months between claims, you would most likely save money if you elect the higher deductible.

The example below illustrates how your deductible choice and can impact Nissan Xterra insurance premiums for each different age category. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.

Drive responsibly or pay higher rates

The example below shows how violations and at-fault accidents drive up Nissan Xterra insurance premiums for each age group. The data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Impact of age and gender on insurance rates

The diagram below shows the difference between Nissan Xterra insurance prices for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $100 deductibles, marital status is single, and no other discounts are factored in.

Cost of full coverage

The information below compares Nissan Xterra car insurance costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.

When to eliminate full coverage

There is no specific rule to stop paying for full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Nissan Xterra replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where buying only liability insurance is not in your best interest. 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 your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.

Why you need to buy auto insurance

Despite the potentially high cost of Nissan Xterra insurance, insurance is required by state law in Nebraska and it also provides benefits you may not be aware of.

• Almost all states have mandatory insurance requirements which means you are required to carry a minimum amount of liability coverage in order to get the vehicle licensed. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Xterra, almost all lenders will make it mandatory that you have insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Nissan at a much higher rate and force you to pay the higher price.
• Insurance safeguards both your assets and your Nissan. It will also cover hospital and medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance definitely exceed the price paid, particularly if you ever have a claim. But the average driver in Nebraska is overpaying over $865 each year so we recommend shopping around once a year at a minimum to ensure rates are inline.

How do Insurers Determine Nissan Xterra Insurance Prices?

An important part of buying insurance is that you know some of the factors that come into play when calculating the price you pay for insurance. If you have a feel for what impacts premium levels, this enables you to make decisions that could result in lower insurance prices. Many factors are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but others are less apparent like where you live or your financial responsibility.

• Deter theft and reduce rates – Owning a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your car from being stolen.
• Small claims can cost you – If you file a lot of claims don’t be surprised to see increased rates or even have your policy non-renewed. Insurance companies in Nebraska generally give cheaper rates to people who do not rely on their insurance for small claims. Auto insurance is intended for larger claims.
• Credit history impacts costs – An insured’s credit score is a big factor in your rate calculation. Drivers who have excellent credit scores tend to be more responsible and file fewer claims than those with bad credit. Therefore, if your credit history is low, you could pay less to insure your Nissan Xterra by spending a little time repairing your credit.
• Big city or small town – Residing in areas with lower population can save you money when it comes to insurance. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate. Residents of big cities have more traffic problems and more time behind the wheel. More time commuting can result in more accidents.
• Insurance rates for married couples – Walking down the aisle may cut your premiums on insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
• Consider raising coverage deductibles – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. A few examples of covered claims could be a dented fender, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles are how much you are required to pay before your insurance pays a claim. The more money you pay before a claim is paid (deductible), the lower your rates will be.

• Nissan Xterra claim data – Insurers analyze claim trends for every vehicle to calculate a price that will offset any claims. Vehicles that the data shows to have higher claim frequency or loss amount will cost more to insure. The table below demonstrates the historical loss data for Nissan Xterra vehicles.

  For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are below 100 indicate better than average losses, while numbers above 100 show a trend for more claims or an increased chance of larger losses than average.

  
  

  Nissan Xterra Insurance Loss Statistics

  Vehicle 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Cheaper rates by taking advantage of discounts

Companies don’t always list every available discount very well, so we took the time to find both the well known and also the lesser-known discounts that you can inquire about if you buy Omaha auto insurance online.

• Senior Discount – Drivers that qualify as senior citizens may receive better car insurance rates.
• Accident Forgiveness – This one isn’t a discount, but some companies like State Farm and Allstate permit an accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
• Safe Drivers – Accident-free drivers can save as much as half off their rates than drivers with accidents.
• Government Employees – Federal government employees can save as much as 8% with certain companies.
• Club Memberships – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates when getting a Omaha auto insurance quote.
• Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Defensive Driver Discounts – Taking part in a course in driver safety could earn you a small percentage discount and easily recoup the cost of the course.
• Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
• Early Switch Discount – Some larger companies reward drivers for buying a policy prior to your current Xterra insurance policy expiring. It’s a savings of about 10%.

It’s important to note that most credits do not apply to the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, it’s just not the way it works.

The example below visualizes the comparison of Nissan Xterra insurance prices with and without discounts. The data assumes a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

If you would like to see a list of insurance companies who offer online Nissan Xterra insurance quotes in Nebraska, click here to view.

When to get professional advice

When selecting proper insurance coverage for your vehicles, there really is no perfect coverage plan. You are unique.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• Why do I need rental car insurance?
• When can I cancel my policy?
• Can I drive in Mexico and have coverage?
• Is a driver training discount available?
• If my car is totaled with they pay enough to replace it?
• Is business property covered if stolen from my car?
• Should I buy additional glass protection?
• Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance agents near you

Certain consumers just prefer to buy from a local agent and that is just fine! An additional benefit of getting online price quotes is that you can obtain cheap auto insurance rates and still buy from a local agent. And providing support for local insurance agents is important especially in Omaha.

Once you complete this form (opens in new window), your insurance coverage information is submitted to insurance agents in Omaha that can provide free Omaha auto insurance quotes for your coverage. There is no need to visit any agencies because quoted prices will be sent immediately to your email address. You can most likely find cheaper rates without the usual hassles of price shopping. If you have a need to quote rates from a particular provider, feel free to visit that company’s website and give them your coverage information.

If you would like to find a good insurance agency, it’s helpful to know the different types of agents and how they can service your needs differently. Agencies in Omaha can be described as either exclusive or independent.

Independent Insurance Agents

Agents that choose to be independent are not locked into one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If they find a lower price, your agent can switch companies and you stay with the same agent.

When comparing auto insurance rates, we recommend you compare prices from multiple independent agents in order to have the best price comparison. They often place coverage with companies you’ve never heard of which may provide better rates.

Shown below is a small list of independent agencies in Omaha who may be able to give you price quote information.

• Davis Companies
  1313 Cuming St #200 – Omaha, NE 68102 – (402) 399-9090 – View Map
• Mech Insurance
  3901 Q St – Omaha, NE 68107 – (402) 731-5965 – View Map
• Best Insurance Agency
  7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map

More insurance agents

Exclusive Agencies

Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, or Allstate. These agents are unable to compare rates from other companies so it’s a take it or leave it situation. They are very knowledgeable on sales techniques which can be an advantage. Many people use the same exclusive agent primarily because of loyalty to the company instead of buying on price only.

Shown below is a short list of exclusive agencies in Omaha who can help you get rate quotes.

• Janice Peterson – State Farm Insurance Agent
  9785 Q St Ste #4 – Omaha, NE 68127 – (402) 593-1899 – View Map
• American Family Insurance – Randy Baker Agency Inc.
  13768 Millard Ave – Omaha, NE 68137 – (402) 895-1300 – View Map
• American Family Insurance – T. C. Johnson Agency Inc.
  155 N 72nd St – Omaha, NE 68114 – (402) 561-8633 – View Map

More insurance agents

Finding the right auto insurance agent requires more thought than just a low price. These are some valid questions you should ask.

• If you are a high risk driver, do they have special markets for your coverage?
• Which companies can they place coverage with?
• Is the agency involved in supporting local community causes?
• Do they feel the quoted coverages are adequate?
• Where would your vehicle be repaired?

Do the work, save more money

The cheapest Nissan Xterra insurance in Omaha can be purchased from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies may not have online rate quotes and most of the time these smaller providers work with independent agencies.

We just covered a lot of techniques to reduce Nissan Xterra insurance premium rates online in Omaha. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable Omaha auto insurance quotes. You may even discover the biggest savings come from an unexpected company.

When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Additional detailed information is located in the articles below:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Who Has Affordable Omaha Auto Insurance for a Ford F-150? (FAQ)
• Who Has Cheap Auto Insurance for Felons in Omaha? (FAQ)
• Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Omaha? (FAQ)
• Safety Features for Your New Car (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)