It takes a few minutes, but the best way to find cheaper car insurance rates in San Jose is to do an annual price comparison from companies in California.
- Try to comprehend policy coverages and the modifications you can make to prevent rate increases. Many risk factors that increase rates like at-fault accidents, speeding tickets, and a low credit score can be improved by being financially responsible and driving safely.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for many different companies.
- Compare the new rates to your existing rates to see if you can save by switching companies. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
- Notify your current company of your decision to cancel your current policy. Submit the required down payment along with the signed application to the new company. As soon as coverage is bound, place your new certificate of insurance in a readily accessible location in your vehicle.
One thing to remember is to try to compare similar limits and deductibles on each price quote and and to get rate quotes from as many companies as you can. Doing this enables the most accurate price comparison and and a good selection of different prices.
Smart shoppers know that car insurance companies don’t want you to compare rates. Drivers who shop around for cheaper price quotes are inclined to buy a different policy because they have good chances of finding a lower-priced policy. A study discovered that drivers who routinely shopped for cheaper coverage saved an average of $3,450 over four years compared to policyholders who never shopped around for cheaper prices.
If finding budget-friendly car insurance in San Jose is your ultimate goal, then having a good understanding the best way to compare cheaper coverage can make it simple to find affordable coverage.
Just keep in mind that making a lot of price comparisons helps improve the odds of finding a lower rate than you’re paying now. Not every company does San Jose Xterra insurance quotes online, so you should also compare price quotes on coverage from those companies, too.
The companies shown below have been selected to offer quotes in San Jose, CA. If multiple companies are listed, we suggest you get rates from several of them to get the best price comparison.
Rate information and statistics
The information shown next highlights detailed analysis of insurance premium costs for Nissan Xterra models. Learning how insurance prices are established can be of help when making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Xterra X 2WD||$324||$508||$534||$32||$160||$1,558||$130|
|Xterra S 2WD||$324||$508||$534||$32||$160||$1,558||$130|
|Xterra S 4WD||$324||$508||$534||$32||$160||$1,558||$130|
|Xterra X 4WD||$324||$508||$534||$32||$160||$1,558||$130|
|Xterra Off Road 4WD||$372||$648||$534||$32||$160||$1,746||$146|
|Xterra SE 2WD||$372||$648||$534||$32||$160||$1,746||$146|
|Xterra SE 4WD||$372||$648||$534||$32||$160||$1,746||$146|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can impact premium rates substantially.
The illustration below illustrates how your choice of deductibles and can raise or lower Nissan Xterra insurance costs for different age groups. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Car insurance rates based on gender
The chart below illustrates the comparison of Nissan Xterra auto insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, single status, and no discounts are taken into consideration.
How much more does full coverage cost?
The information below illustrates the difference between Nissan Xterra premium costs when comparing full coverage to state minimum liability only. The information is based on no violations or accidents, $250 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula that is best for determining when to drop physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Nissan Xterra replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If premium cost is more than $500 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Insurance just makes sense
Even though it can be expensive, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability coverage in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Nissan has a lienholder, most lenders will make it mandatory that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank will be required to insure your Nissan at a significantly higher premium and make you pay for it.
- Insurance protects your Nissan and your assets. It will also reimburse you for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If your Nissan gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your car definitely exceed the price paid, especially for larger claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $800 each year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
Auto insurance coverage basics
Learning about specific coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.
Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverage – Collision insurance covers damage to your Xterra caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible on your Xterra to bring the cost down.
Medical expense coverage – Med pay and PIP coverage kick in for bills for things like funeral costs, chiropractic care and nursing services. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, hail damage and hitting a bird. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability – Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 15/30/5 that means you have $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.
Liability insurance covers things such as pain and suffering, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but you should consider buying higher limits.
The chart below shows why buying the state minimum limits may not be enough.