Do you need a better way to compare more competitive Nissan Xterra insurance in Denver? Finding low cost coverage rates for Nissan Xterra insurance in Denver can seem to be very difficult for drivers who are beginners to quoting and comparing prices online. With such a large number of companies in the marketplace, it can turn into a chore to find the perfect company for you.
A recent study showed that the vast majority of consumers have stayed with the same insurance company for at least the last four years, and nearly the majority have never shopped around. Many consumers in Denver can cut their rates by approximately 35% a year by just shopping around, but most just don’t grasp how much savings they would realize if they just switched companies.
You should make it a habit to get comparison quotes at least once a year because insurance prices are usually higher with each renewal. Even if you got the best rates on Nissan Xterra insurance in Denver a few years ago there may be better deals available now. There is a lot of bad advice regarding Xterra insurance out there, but by reading this article, you’re going to learn the easiest ways to save money.
Companies offering Nissan Xterra insurance in Denver
The providers in the list below provide free quotes in Colorado. If several companies are displayed, we suggest you visit two to three different companies to find the most affordable auto insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $230 | $288 | $358 | $22 | $108 | $1,006 | $84 |
| Xterra S 2WD | $226 | $344 | $396 | $24 | $118 | $1,108 | $92 |
| Xterra S 4WD | $174 | $218 | $362 | $22 | $108 | $884 | $74 |
| Xterra X 4WD | $126 | $182 | $396 | $24 | $118 | $846 | $71 |
| Xterra Off Road 4WD | $160 | $268 | $456 | $28 | $136 | $1,048 | $87 |
| Xterra SE 2WD | $294 | $440 | $358 | $22 | $108 | $1,222 | $102 |
| Xterra SE 4WD | $244 | $372 | $474 | $28 | $142 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in garaging location in Denver which can lower or raise prices noticeably.
Safe drivers pay cheaper rates
The illustration below shows how traffic citations and accidents can increase Nissan Xterra insurance costs for different age categories. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Should you raise deductibles?
When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The data tables below may help to conceptualize how much more you’ll pay between low and high physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $264 | $352 | $352 | $20 | $106 | $1,119 | $93 |
| Xterra S 2WD | $264 | $352 | $352 | $20 | $106 | $1,119 | $93 |
| Xterra S 4WD | $264 | $352 | $352 | $20 | $106 | $1,119 | $93 |
| Xterra X 4WD | $264 | $352 | $352 | $20 | $106 | $1,119 | $93 |
| Xterra Off Road 4WD | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Xterra SE 2WD | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Xterra SE 4WD | $302 | $448 | $352 | $20 | $106 | $1,253 | $104 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $146 | $186 | $352 | $20 | $106 | $810 | $68 |
| Xterra S 2WD | $146 | $186 | $352 | $20 | $106 | $810 | $68 |
| Xterra S 4WD | $146 | $186 | $352 | $20 | $106 | $810 | $68 |
| Xterra X 4WD | $146 | $186 | $352 | $20 | $106 | $810 | $68 |
| Xterra Off Road 4WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Xterra SE 2WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Xterra SE 4WD | $168 | $236 | $352 | $20 | $106 | $882 | $74 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific garaging location which can change auto insurance rates greatly.
We can derive from the above data that using a $100 deductible costs approximately $27 more each month or $324 for a full year than choosing the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 33 months between claims, you would probably come out ahead if you decide on a higher deductible.
Take advantage of these discounts on Nissan Xterra insurance in Denver
Not many people think insurance is cheap, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but a few need to be requested specifically before you get the savings.
- Discounts for Responsible Drivers – Safe drivers can save up to 40% or more on their Denver auto insurance quote than their less cautious counterparts.
- Switch and Save Discount – Select companies give a discount for signing up before your current expiration date. Ten percent is about the average savings.
- Drive Less and Save – Low annual miles can earn slightly better car insurance rates than normal.
- Auto/Life Discount – Some companies give a discounted price on car insurance if you buy a life insurance policy as well.
- Own a Home – Just owning your own home can save a few bucks due to the fact that maintaining a home shows financial diligence.
- Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you may earn at least 10% off all policies.
- Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Distant Student – Older children who live away from home at college and do not have a car may be insured at a cheaper rate.
- Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
As a footnote on discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.
To choose companies that offer many of these discounts in Colorado, click here to view.
Special considerations
Always remember that when buying your policy, there really is not a one size fits all plan. Every situation is different.
Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.
- Am I covered while delivering pizza?
- Can I rate high risk drivers on liability-only vehicles?
- Do I need special coverage while pulling a rented trailer?
- Does insurance cover damages from a DUI accident?
- Will my insurance pay for OEM parts?
- Is my Nissan Xterra covered for flood damage?
- Are combined or split liability limits better?
- What are the best liability limits?
- What vehicles should carry emergency assistance coverage?
- How much cheaper are high deductibles?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
When should I have guidance from an insurance agent?
A small number of people prefer to sit down with an agent and doing that can be a smart decision The biggest benefit of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.
Once you complete this simple form, the quote information is sent to local insurance agents in Denver that give free quotes for your business. It makes it easy because there is no need to contact any insurance agencies due to the fact that quote results will go directly to your email. You can find lower rates and a licensed agent to work with. If for some reason you want to get a comparison quote from a specific company, you can always jump over to their website to submit a rate quote request.
Choosing a provider should depend on more than just the quoted price. Here are some questions you might want to ask.
- Do you work with a CSR or direct with the agent?
- What is the agency’s Better Business Bureau rating?
- Do the companies they represent have a solid financial rating?
- Is there a 24/7 contact number?
- Is the agency involved in supporting local community causes?
- Who is covered by the car insurance policy?
- If you are a high risk driver, do they have special markets for your coverage?
When looking for a local Denver insurance agent, there are a couple of different types of agents and how they can quote your rates. Car insurance policy providers can be described as either independent (non-exclusive) or exclusive.
Exclusive Agents
Exclusive agents write business for a single company like State Farm or Allstate. These agents are unable to place coverage with different providers so keep that in mind. Exclusive agents receive a lot of sales training on what they offer and that can be a competitive advantage. Some people will only buy insurance from these agents mostly because of the brand legacy and the convenience of having all coverages with one company.
Listed below is a list of exclusive insurance agents in Denver that can give you price quote information.
- Lori Rickert State Farm®
714 S Pearl St – Denver, CO 80209 – (303) 757-7440 – View Map - Farmers Insurance Agent Mike
I-25 – Denver, CO 80231 – (303) 752-2900 – View Map - Allstate Insurance: Eddie W. Pacheco
6200 E Yale Ave – Denver, CO 80222 – (303) 788-0777 – View Map
Independent Agencies or Brokers
Agents that elect to be independent often have affiliation with several companies so they can insure your vehicles amongst many companies and find the cheapest rate. If you want to switch companies, the agent simply finds a different carrier and you can keep the same agent.
If you need lower rates, you should always include independent agents in order to compare the most rates. Most also have access to companies that do not advertise much which may provide better rates.
Listed below are independent insurance agencies in Denver that can give you rate quotes.
- FUSA Insurance Agency
7900 E Union Ave #200 – Denver, CO 80237 – (303) 752-5806 – View Map - Premier Group Insurance
1777 W 38th Ave #102 – Denver, CO 80211 – (303) 477-0505 – View Map - Mile High Insurance Agency
4704 Harlan St #360 – Denver, CO 80212 – (303) 237-5445 – View Map
Once you have good answers to your questions and locked in a price quote, it’s possible that you found an insurance agent that can be trusted to provide car insurance coverage.
Slick advertising tricks that work
Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all advertise claims about savings if you change to them. How can each company offer you a better deal on Nissan Xterra insurance in Denver? Here is how they do it.
Insurance providers have strict underwriting profiles for the type of driver they prefer to insure. An example of a driver they prefer could possibly be between 30 and 50, has a low-risk occupation, and has excellent credit. Anyone that fits those parameters will qualify for the lowest car insurance rates in Denver and is almost guaranteed to save money with a new company.
Potential customers who cannot meet the ideal profile must pay a more expensive rate and this results in the customer not buying. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can make claims like that. This really drives home the point why drivers should do a rate comparison at every renewal. You cannot predict which company will have the best Nissan Xterra insurance in Denver.
One last thing about your coverage
Low-cost Nissan Xterra insurance in Denver can be bought online as well as from independent agents in Denver, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer rates over the internet and usually these small insurance companies provide coverage only through independent insurance agents.
We’ve covered many tips how you can lower your Nissan Xterra insurance auto insurance rates in Denver. The key concept to understand is the more you quote Denver auto insurance, the more likely it is that you will get a better rate. Drivers may even discover the lowest auto insurance rates come from some of the lesser-known companies.
As you restructure your insurance plan, never skimp on coverage in order to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
More learning opportunities
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Affordable Denver Car Insurance with Multiple Speeding Tickets? (FAQ)
- How Much are Car Insurance Quotes for a Kia Optima in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Good Drivers in Denver? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Teenagers in Denver? (FAQ)
- How Much is Denver Auto Insurance for Government Employees? (FAQ)
- Who Has Affordable Denver Auto Insurance Rates for a Ford Explorer? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Teen Driving Statistics (iihs.org)
- Safety Belts FAQ (iihs.org)
- What is Covered by GAP Insurance? (Allstate)