2010 Nissan Xterra Insurance Rates

Average insurance rates for a 2010 Nissan Xterra are $988 a year for full coverage. Comprehensive insurance costs approximately $168, collision insurance costs $188, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,112 or more. Teenage drivers receive the highest rates at up to $3,972 a year.

Annual premium for full coverage: $988

Rate estimates for 2010 Nissan Xterra Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Nissan Xterra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences show why everyone should compare prices using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Want the cheapest car insurance rates? Drivers have lots of choices when trying to find the lowest priced Nissan Xterra insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to get rate quotes. There is a right way and a wrong way to find car insurance online and you need to know the best way to price shop coverage for a Nissan and locate the lowest price.

Comprehensive Insurance Comparison

There are multiple methods to compare 2010 Nissan Xterra insurance prices but one way is less time-consuming than others. You can waste a lot of time talking to local insurance agents in your area, or you can utilize online quoting for quick rates.

Most car insurance companies take part in a program where prospective buyers enter their policy data once, and every company then gives them pricing determined by their information. This system prevents you from having to do form submissions to every company.

To find out how much you can save on insurance click here (opens in new window).

The single downside to using this type of system is buyers cannot specifically choose which companies you want to price. So if you prefer to choose individual companies to compare prices, we have a listing of low cost insurance companies in your area. View list of insurance companies.

Whichever way you use, be sure to compare exactly the same coverage limits with each company. If the quotes have different values for each quote you will not be able to determine which rate is truly the best.

How much can you save with discounts?

Companies do not list all their discounts very well, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are paying more than you should be.

• More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
• Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
• E-sign – Certain companies will give a small break for buying your policy over the internet.
• New Car Discount – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
• Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
• Senior Discount – Older drivers may receive reduced rates for Xterra coverage.
• Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.

To see a list of companies offering insurance coverage discounts, follow this link.

Nissan Xterra rates influenced by many factors

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in lower insurance prices.

The list below includes some of the items that factor into premiums.

• Frequent insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee higher rates. Insurance companies provide discounts to insureds who are claim-free. Insurance coverage is intended for the large, substantial claims.
• Your job and insurance rates – Occupations like real estate brokers, social workers and dentists tend to pay the highest average rates due to job stress and lots of time spent at work. Other professions such as pilots, historians and the unemployed have the lowest average rates for Xterra coverage.
• How many coverages with the same company – Some companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to shop around to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
• High deductibles save money – Physical damage coverage, also known as collision and other-than-collision, protects your Nissan from damage. Some instances where coverage would apply would be collision with another vehicle, vandalism, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket in the event of a claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Xterra coverage.
• Careful drivers pay lower rates – Even one speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to keep their license.

How much car insurance do I need?

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions may help you determine if you might need professional guidance.

• What can I do if my company denied a claim?
• Is a new car covered when I drive it off the dealer lot?
• Why am I required to get a high-risk car insurance policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Why am I required to buy high-risk coverage?
• Where can I find high-risk insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Can switching companies really save?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you’ll save big if you move to them.

How can each company make the same claim?

Insurance companies are able to cherry pick for the type of customer that is profitable for them. An example of a preferred risk could be a mature driver, has no driving citations, and has a short commute. Any driver who matches those parameters is entitled to the best price and as a result will probably save when switching.

Drivers who don’t measure up to the requirements must pay higher premiums which leads to business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently claim big savings. This illustrates why drivers should get quotes from several different companies. It’s not possible to predict the company that will have the lowest Nissan Xterra insurance rates.

Car insurance 101

Having a good grasp of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Xterra.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, fire damage, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things such as attorney fees, bail bonds, loss of income, medical services and structural damage. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like rehabilitation expenses, doctor visits, X-ray expenses, ambulance fees and hospital visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage pays for damage to your Xterra caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, hitting a mailbox, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

A little work can save a LOT of money

Affordable 2010 Nissan Xterra insurance is definitely available from both online companies and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price.

You just read a lot of tips how to lower your insurance rates. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with a lesser-known regional company.

More tips and info about insurance is available in these articles:

• Vehicle Insurance (Wikipedia)
• How do I File a Claim? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Airbag FAQ (iihs.org)

Use our FREE quote tool to compare rates now!