Cheap Nissan Xterra Insurance in Anchorage

Insurance for Nissan XterraTrying to find cheaper insurance for your Nissan Xterra in Alaska can be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare insurance rates and you need to know the quickest way to quote coverages for a Nissan and find the lowest possible price.

Save a ton by taking advantage of discounts

Companies that sell car insurance don’t list every discount they offer very well, so the following list contains a few of the more common and also the more inconspicuous insurance savings.Cheaper insurance with discounts

You can save money using discounts, but some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, you aren’t that lucky.

The chart below shows the comparison of Nissan Xterra annual premium costs with and without discounts applied to the policy premium. The data is based on a male driver, no tickets, no at-fault accidents, Alaska 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, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.

To locate insurance companies with discount rates in Anchorage, click here to view.

The companies shown below have been selected to offer price comparisons in Anchorage, AK. To get cheaper car insurance in Anchorage, AK, we suggest you compare several of them to get the most affordable price.

Insurance coverage details

The price information displayed below highlights estimates of policy rates for Nissan Xterra models. Having knowledge of how insurance rates are formulated can help you make informed decisions when comparing rates.

Nissan Xterra Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $176 $280 $308 $18 $92 $874 $73
Xterra S 2WD $176 $280 $308 $18 $92 $874 $73
Xterra S 4WD $176 $280 $308 $18 $92 $874 $73
Xterra X 4WD $176 $280 $308 $18 $92 $874 $73
Xterra Off Road 4WD $202 $358 $308 $18 $92 $978 $82
Xterra SE 2WD $202 $358 $308 $18 $92 $978 $82
Xterra SE 4WD $202 $358 $308 $18 $92 $978 $82
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific location which can change premium rates considerably.

Physical damage deductible comparison

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The rates below illustrate how much more rates are when you select higher and lower deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Nissan Xterra insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $204 $272 $272 $16 $82 $871 $73
Xterra S 2WD $204 $272 $272 $16 $82 $871 $73
Xterra S 4WD $204 $272 $272 $16 $82 $871 $73
Xterra X 4WD $204 $272 $272 $16 $82 $871 $73
Xterra Off Road 4WD $234 $348 $272 $16 $82 $977 $81
Xterra SE 2WD $234 $348 $272 $16 $82 $977 $81
Xterra SE 4WD $234 $348 $272 $16 $82 $977 $81
Get Your Own Custom Quote Go

Nissan Xterra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $114 $144 $272 $16 $82 $628 $52
Xterra S 2WD $114 $144 $272 $16 $82 $628 $52
Xterra S 4WD $114 $144 $272 $16 $82 $628 $52
Xterra X 4WD $114 $144 $272 $16 $82 $628 $52
Xterra Off Road 4WD $130 $184 $272 $16 $82 $684 $57
Xterra SE 2WD $130 $184 $272 $16 $82 $684 $57
Xterra SE 4WD $130 $184 $272 $16 $82 $684 $57
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in your specific Anchorage location which can increase or decrease price quotes considerably.

Based on the above data, using a $100 deductible will cost you approximately $22 more each month or $264 a year 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 have more than 41 months between claims, you would save money going with the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $76
Average monthly premium for $1,000 deductibles (subtract): – $54
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 41 months

One important note is that a higher deductible means you will have to cover more of the damage yourself when you have a claim. You need to make sure you have some available funds in order to pay the higher deductible.

Does it make sense to buy full coverage?

The example below illustrates the comparison of Nissan Xterra insurance premiums with full coverage and liability only. The rates are based on no violations or claims, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no definitive rule to stop paying for physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s say your Nissan Xterra replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your deductible. If you are paying more than $500 a year for full coverage, then you might want to consider buying only liability coverage.

There are some situations where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Compare rates but buy from a local Anchorage insurance agency

Some consumers just prefer to buy from a licensed agent and that can be a smart move Professional agents can answer important questions and give you someone to call. A nice benefit of getting online price quotes is the fact that you can find lower rates and still choose a local agent. And providing support for local insurance agents is still important in Anchorage.

Insurance agents in AnchorageAfter completing this quick form, your information is instantly submitted to insurance agents in Anchorage that can provide free Anchorage auto insurance quotes and help you find cheaper coverage. You never need to leave your computer because prices are sent directly to your email. If you have a need to get a rate quote from a specific company, just jump over to their website and complete a quote there.

Choose an insurance agent wisely

If you need to find a reliable insurance agency, you should know the types of insurance agents and how they are slightly different. Agents are either independent (non-exclusive) or exclusive. Both can sell insurance policies, but it’s important to know the differences because it can factor into your selection of an agent.

Independent Insurance Agents

Agents in the independent channel do not sell for just one brand so as a result can place your coverage through lots of different companies depending on which coverage is best. If prices rise, your agent can just switch to a different company and you don’t have to find a new agent.

When comparing rates, we recommend you get rate quotes from a couple of independent agencies to ensure the widest selection of prices. They often place coverage with additional companies that you may not be familiar with that may provide cheaper insurance rates.

The following is a partial list of independent agents in Anchorage who may provide price quotes.

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Exclusive Agents

Exclusive insurance agents have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on sales techniques which aids in selling service over price. Consumers often use the same agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

The following are exclusive insurance agents in Anchorage that can give you comparison quotes.

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Deciding on an insurance agent should include more criteria than just a low price. Below are some questions you should ask.

Best auto insurance company in Anchorage

Picking a high-quality company can be a challenge considering how many companies sell insurance in Anchorage. The ranking information listed below could help you pick which coverage providers to look at comparing rates with.

Top 10 Anchorage Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. The General
  5. State Farm
  6. AAA Insurance
  7. Allstate
  8. Esurance
  9. Safeco
  10. 21st Century

Top 10 Anchorage Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Progressive
  5. The General
  6. Allstate
  7. American Family
  8. AAA Insurance
  9. Liberty Mutual
  10. Farmers Insurance

Cheap rates are available

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, poor customer service, extreme rates for teen drivers and even policy cancellation. It doesn’t matter what your reason, switching insurance companies can be easier than you think.

Throughout this article, we presented some good ideas how to find lower-cost Nissan Xterra insurance in Anchorage. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may even discover the best price on insurance is with a smaller regional carrier.

Budget-conscious Nissan Xterra insurance can be purchased both online and also from your neighborhood Anchorage agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers prefer to sell through independent insurance agents.

How to quote cheaper Nissan Xterra insurance in Anchorage

If your goal is the lowest price, then the best way to find low-cost auto insurance rates is to make a habit of regularly comparing prices from insurers in Anchorage. This can be done by completing these steps.

  1. Gain an understanding of the coverage provided by your policy and the modifications you can make to keep rates in check. Many rating criteria that drive up the price such as traffic tickets, fender benders, and bad credit can be improved by making minor changes in your lifestyle.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new rate quotes to your current policy premium to determine if you can save on Xterra insurance in Anchorage. If you can save some money and change companies, ensure coverage does not lapse between policies.
  4. Notify your current company of your intention to cancel your current car insurance policy and submit the completed application along with a down payment to your new insurance company. When you receive it, place the new proof of insurance certificate with your registration paperwork.

The key thing to remember is to compare the same coverage limits and deductibles on every quote and and to get price estimates from as many companies as you can. Doing this provides a level playing field and a complete price analysis.

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