Cheaper 2004 Nissan Titan Auto Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 13, 2022

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Trying to find the cheapest car insurance rates for your Nissan Titan? Are you sick and tired of being strong-armed to insure your Nissan every month? You are in the same boat as many other consumers. Consumers have many car insurance companies to choose from, and although it’s a good thing to be able to choose, it can be more challenging to adequately compare rates.

Complexity of Nissan Titan auto insurance quotes

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine premiums.

  • Occupation reflects on rates – Jobs such as real estate brokers, business owners and stock brokers have the highest rates in part from stressful work requirements and long work hours. On the other hand, jobs such as farmers, students and retirees get better rates for Titan insurance.
  • No coverage gaps is important – Not having insurance can get your license suspended and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • How’s your driving record? – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can bump up the cost twenty percent or more. If you have flagrant violations like DUI or reckless driving may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Pleasure use saves money – The more you drive in a year’s time the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your Titan can result in significantly higher rates. Make sure your car insurance policy is showing the correct driver usage, because improper ratings can cost you money.
  • Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
  • Discounts for married couples – Having a wife or husband can actually save you money on your car insurance policy. Having a spouse usually means you are more responsible it has been statistically shown that married couples file fewer claims.
  • Better credit scores mean better rates – Your credit score is a important factor in your rate calculation. People with high credit scores tend to be more responsible than those with lower ratings. If your credit score is low, you could potentially save money when insuring your 2004 Nissan Titan by improving your credit score.

Be sure to get all your discounts

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but a few must be inquired about before you will receive the discount. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Titan insurance than drivers with accidents.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save at least 10% off all policies.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will cut your overall premium however.

Insurance companies that possibly offer some of the above discounts are:

  • Progressive
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • GEICO
  • SAFECO
  • Liberty Mutual

Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your state.

Save 15 percent in 15 minutes? Is it for real?

Drivers constantly see and hear ads for cheaper car insurance from companies such as State Farm and Allstate. All the ads make an identical promise about savings after switching your policy.

How do they all say the same thing? This is how they do it.

All companies have a certain “appetite” for the right customer that is profitable for them. For instance, a profitable customer might be between 25 and 40, a clean driving record, and has a short commute. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who are not a match for these standards must pay higher rates which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save money. That is how insurance companies can confidently claim big savings.

This illustrates why you need to get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest Nissan Titan insurance rates.

How do I know if I need professional advice?

When choosing the best insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation would benefit from professional advice.

  • When should I not file a claim?
  • Is my ex-spouse still covered by my policy?
  • Exactly who is provided coverage by my policy?
  • Why does it cost so much to insure a teen driver?
  • Do I have coverage if my license is suspended?
  • Am I covered when using my vehicle for business?
  • Is there coverage for injuries to my pets?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my friends covered when driving my 2004 Nissan Titan?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent.

Parts of your car insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for X-ray expenses, hospital visits, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance covers damage to your Titan resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a mailbox, scraping a guard rail, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, theft, damage from getting keyed, vandalism and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, legal defense fees, court costs, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Titan.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Save your hard earned cash

We just showed you some good ideas how you can reduce 2004 Nissan Titan auto insurance quotes online. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the best price on insurance coverage is with a small mutual company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice physical damage coverage only to regret that it was a big mistake. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Discount insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer online price quotes and these smaller companies work with independent agents.

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