2015 Nissan Xterra Insurance Rates
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UPDATED: Apr 23, 2020
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Average insurance rates for a 2015 Nissan Xterra are $1,092 a year for full coverage. Comprehensive costs approximately $206 a year, collision costs $276, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,340. Teenage drivers receive the highest rates at $4,270 a year or more.
Annual premium for full coverage: $1,092
Rate estimates for 2015 Nissan Xterra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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
For a 40-year-old driver, prices range go from as low as $504 for just liability insurance to a high of $2,340 for high-risk insurance.
These differences show why it is important for drivers to compare rates using their specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2015 Nissan Xterra Insurance
Tired of scraping the payment together each month for car insurance? You are no different than many other drivers. Since consumers have many companies and agents to choose from, it can be diffult for consumers to locate the best provider.
The method we recommend to compare car insurance rates is to know the fact car insurance companies participate in a system to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information like how you use your vehicles, if you require a SR-22, distance driven, and the year, make and model of vehicles. The data is sent automatically to many of the top insurers and you get price estimates instantly to find the best rate.
To get price quotes for your Nissan Xterra , click here and enter your zip code.
Do you really save 40% when you switch?
Drivers constantly see and hear ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all make the same claim about savings if you move your policy.
How can each company say the same thing?
Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk might be a mature driver, is a homeowner, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.
Consumers who don’t meet these standards will be charged a higher premium and this can result in business not being written. Company advertisements say “people who switch” not “people who quote” save that much. That is how insurance companies can state the savings. That is why you need to get as many comparisons as possible. It’s not possible to predict which insurance companies will fit your personal profile best.
Don’t miss out on these eight money-saving discounts
Auto insurance companies do not advertise all available discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
- Government Employees – Simply working for the federal government may qualify you for a discount on Xterra coverage with certain companies.
- Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
- Organization Discounts – Being a member of a professional or civic organization could qualify you for a break when shopping for insurance on Xterra coverage.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
- Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
- Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Xterra coverage than drivers with accidents.
It’s important to note that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky.
To see a list of insurers offering insurance discounts, click this link.
Do I need special coverages?
When choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation might need professional guidance.
- Can I still get insurance after a DUI?
- When can my company non-renew my policy?
- Can I rate high risk drivers on liability-only vehicles?
- Can I get a multi-policy discount?
- Is my camper covered by my car insurance policy?
- Should I drop comprehensive coverage on older vehicles?
- Does my personal policy cover me when driving out-of-state?
- Does coverage extend to my business vehicle?
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If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Auto insurance coverages
Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average auto insurance policy.
Medical expense insurance – Med pay and PIP coverage provide coverage for expenses for dental work, surgery, chiropractic care, X-ray expenses and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Auto liability – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability can pay for things like attorney fees, funeral expenses, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Collision coverage – This pays for damage to your Xterra from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as damage from getting keyed, fire damage, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage on a shoestring budget
While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Throughout this article, we presented many ways to shop for 2015 Nissan Xterra insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small local company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.
Much more information about auto insurance can be read at these links:
- Think You’re a Safe Driver? (State Farm)
- Auto Crash Statistics (Insurance Information Insitute)
- Medical Payments Coverage (Liberty Mutual)
- Safety Belts FAQ (iihs.org)
- What is Full Coverage? (Allstate)
- Rental Car Insurance Tips (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,725|
|Los Angeles, CA||$1,866|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$69|
|5-yr Claim Free||$69|
|Paid in Full/EFT||$42|
Discounts are estimated and may not be available from every company or in every state.