Cheapest Quotes for Nissan Xterra Insurance in Miami

Insurance for Nissan XterraWant to learn the secrets to finding more competitive Nissan Xterra insurance in Miami? Nobody I know likes buying auto insurance, especially when they could lower their rates if they shopped around.

A recent study showed that the vast majority of consumers in Florida have purchased from the same company for four years or more, and 38% of customers have never compared rate quotes at all. American drivers could pocket up to $859 a year by just comparing rate quotes, but they assume it’s a waste of time to compare other rate quotes.

How to quote cheaper Nissan Xterra insurance in Miami

To save the most money, the best way to get budget Nissan Xterra insurance in Miami is to start doing a yearly price comparison from providers who provide car insurance in Florida.

  1. Try to learn about how insurance works and the modifications you can make to keep rates down. Many risk factors that result in higher rates like high-risk driving behaviors and a negative credit history can be controlled by making minor changes to your lifestyle.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple companies.
  3. Compare the quotes to your current policy premium to see if cheaper Xterra coverage is available. If you find a better price, ensure coverage does not lapse between policies.
  4. Give notification to your current company of your intent to cancel your current coverage and submit a down payment and signed policy application to the new company. Make sure you keep your new proof of insurance certificate in an accessible location in your vehicle.

A key point to remember is to make sure you enter the same deductibles and limits on each quote and and to compare every insurance company. This guarantees a fair price comparison and the best price selection.

Lots of insurers contend for your insurance dollar, and because of this it can be hard to compare insurers to get the lowest rate on Nissan Xterra insurance in Miami.

If you are already insured or just want cheaper coverage, use these money-saving tips to find better prices without reducing coverage. Finding the cheapest coverage in Miami is actually very simple if you learn how to start. Shoppers just need to learn the tricks to shop online from multiple companies.

The companies in the list below can provide price quotes in Florida. If you wish to find the best cheap auto insurance in FL, we suggest you visit several of them to get a more complete price comparison.

Car insurance statistics and figures

The information shown below outlines different prices for Nissan Xterra models. Learning as much as possible about how premiums are determined is important for you to make decisions on the best policy to buy.

Nissan Xterra Insurance Rates in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $312 $430 $564 $34 $168 $1,508 $126
Xterra S 2WD $312 $430 $564 $34 $168 $1,508 $126
Xterra S 4WD $312 $430 $564 $34 $168 $1,508 $126
Xterra X 4WD $312 $430 $564 $34 $168 $1,508 $126
Xterra Off Road 4WD $358 $550 $564 $34 $168 $1,674 $140
Xterra SE 2WD $358 $550 $564 $34 $168 $1,674 $140
Xterra SE 4WD $358 $550 $564 $34 $168 $1,674 $140
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase prices substantially.

Policy deductibles

The hardest decision when buying coverage is how high should the physical damage deductibles be. The premium rates below can help you understand how much more you’ll pay between low and high physical damage deductibles. The first rate table uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Nissan Xterra insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $280 $350 $418 $24 $124 $1,221 $102
Xterra S 2WD $280 $350 $418 $24 $124 $1,221 $102
Xterra S 4WD $280 $350 $418 $24 $124 $1,221 $102
Xterra X 4WD $280 $350 $418 $24 $124 $1,221 $102
Xterra Off Road 4WD $322 $446 $418 $24 $124 $1,359 $113
Xterra SE 2WD $322 $446 $418 $24 $124 $1,359 $113
Xterra SE 4WD $322 $446 $418 $24 $124 $1,359 $113
Get Your Own Custom Quote Go

Nissan Xterra insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $228 $282 $418 $24 $124 $1,076 $90
Xterra S 2WD $228 $282 $418 $24 $124 $1,076 $90
Xterra S 4WD $228 $282 $418 $24 $124 $1,076 $90
Xterra X 4WD $228 $282 $418 $24 $124 $1,076 $90
Xterra Off Road 4WD $262 $360 $418 $24 $124 $1,188 $99
Xterra SE 2WD $262 $360 $418 $24 $124 $1,188 $99
Xterra SE 4WD $262 $360 $418 $24 $124 $1,188 $99
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in vehicle location which can influence coverage prices significantly.

Based on the data above, we can derive that using a $250 deductible costs an average of $13 more each month or $156 each year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 19 months between claim filings, you would probably save some money if you decide on a higher deductible.

Nissan Xterra liability rates compared to full coverage

The chart below shows the comparison of Nissan Xterra annual premium costs with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There is no set guideline of when to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s assume your Nissan Xterra book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after you pay the deductible. If premium cost is more than $300 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are some scenarios where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

What insurance coverages do I need?

When it comes to buying a policy for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed.Safe vehicles cost less to insure
These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Local Miami insurance agents and car insurance

Some consumers just want to visit with an insurance agent and often times that is recommended Agents can help you choose the best coverages and help in the event of a claim. One of the benefits of comparing insurance prices online is you can get cheap car insurance rates and still have an agent to talk to. And buying from local agencies is definitely important in Miami.

Insurance agency in MiamiUpon completion of this form (opens in new window), the coverage information is instantly submitted to companies in Miami who want to provide quotes for your insurance coverage. There is no need to search for an agent since price quotes are sent to the email address you provide. If you have a need to compare rates from a specific company, just find their quoting web page and complete a quote there.

Exclusive agents vs. Independent agents

When researching a reputable insurance agent or broker, you should know the different types of agents and how they can write your policy. Car insurance policy providers are categorized either independent or exclusive depending on the company they work for. Both can insure your vehicles properly, but it’s important to know the difference in the companies they write for since it can impact the type of agent you choose.

Independent Agents (or Brokers)

These type of agents are appointed with more than one company and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. If premiums increase, they simply move your policy to a different company and that require little work on your part. When shopping rates, it’s recommended you get quotes from a couple of independent agencies so that you have a good selection of quotes to compare.

Below is a short list of independent agents in Miami who may be able to give you free price quotes.

3000 NW 36th StMiami, FL 33142(305) 635-6335View Map

7149 W Flagler StMiami, FL 33144(786) 401-4820View Map

373 N Royal Poinciana BlvdMiami Springs, FL 33166(305) 887-9544View Map

More Miami agents

Exclusive Agents

Exclusive insurance agents are contracted to one company like AAA, Allstate, and State Farm. Exclusive agents cannot shop your coverage around so always compare other rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.

Listed below are Miami exclusive insurance agents who can help you get comparison quotes.

6001 Bird RdMiami, FL 33155(305) 663-2300View Map

2250 S Dixie Hwy Ste. 2Miami, FL 33133(305) 860-0616View Map

1110 Brickell Ave Ste 105Miami, FL 33131(305) 379-3666View Map

More Miami agents

Finding a good car insurance agent needs to be determined by more than just a cheap price quote. The questions below may impact your decision as well.