Auto Insurance Quotes for a Nissan Xterra in Arlington

Do you want cheaper Nissan Xterra insurance in Arlington? No normal person fancies paying their premiums for auto insurance, particularly when they could find better prices if they shop around.

Discount Nissan Xterra insuranceAstonishing but true, the vast majority of consumers in Texas have bought auto insurance from the same company for at least the last four years, and almost half have never compared rates with other companies. The average driver in America could pocket $859 a year, but they mistakenly think it’s difficult to compare other rate quotes.

Steps to finding affordable quotes for Nissan Xterra insurance in Arlington

If you want to save money, the best way to find cheaper prices for auto insurance rates is to compare quotes annually from providers who provide auto insurance in Arlington. Rate comparisons can be done by following these steps.

An important note is to use similar limits and deductibles on each quote and and to look at as many companies as possible. This ensures the most accurate price comparison and and a good selection of different prices.

Insurance companies such as State Farm and GEICO constantly bombard you with ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

You need to do rate comparisons as often as possible since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best quotes on Nissan Xterra insurance in Arlington last year you can probably find a better rate now. Ignore everything you know about auto insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.

To find low cost rates, there are a couple of ways of comparing rate quotes from companies that offer auto insurance in Texas. The easiest way by far to find competitive insurance rates is to use the internet to compare rates.

Getting free rates online is quite simple, and it makes it a waste of time to waste gas driving to insurance agencies in your area. The ability to get quotes online has made agencies unnecessary unless you require the professional assistance of a local Arlington agent. Although, it is possible get prices online but have your policy serviced through an agent.

When comparison shopping, obtaining a wide range of quotes helps increase your odds of locating a lower rate. Some companies don’t provide online price quotes, so it’s important to compare prices from them as well.

The auto insurance companies shown below have been selected to offer price quotes in Texas. To buy cheap car insurance in TX, we suggest you get price quotes from several of them to get the lowest price.

Nissan Xterra detailed coverage information

The table shown below highlights a range of policy rates for Nissan Xterra models. Learning a little about how car insurance premiums are figured can help you make informed decisions.


Nissan Xterra Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $284 $392 $514 $30 $154 $1,374 $115
Xterra S 2WD $284 $392 $514 $30 $154 $1,374 $115
Xterra S 4WD $284 $392 $514 $30 $154 $1,374 $115
Xterra X 4WD $284 $392 $514 $30 $154 $1,374 $115
Xterra Off Road 4WD $326 $502 $514 $30 $154 $1,526 $127
Xterra SE 2WD $326 $502 $514 $30 $154 $1,526 $127
Xterra SE 4WD $326 $502 $514 $30 $154 $1,526 $127
Get Your Own Custom Quote Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific location information which can increase or decrease insurance rates significantly.

Deductible comparison

The hardest decision when buying coverage is where to set your physical damage deductibles. The data tables below illustrate the cost difference when you choose different deductibles. The first rate table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.


Nissan Xterra insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $256 $320 $382 $22 $114 $1,119 $93
Xterra S 2WD $256 $320 $382 $22 $114 $1,119 $93
Xterra S 4WD $256 $320 $382 $22 $114 $1,119 $93
Xterra X 4WD $256 $320 $382 $22 $114 $1,119 $93
Xterra Off Road 4WD $294 $408 $382 $22 $114 $1,245 $104
Xterra SE 2WD $294 $408 $382 $22 $114 $1,245 $104
Xterra SE 4WD $294 $408 $382 $22 $114 $1,245 $104
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Nissan Xterra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $208 $258 $382 $22 $114 $984 $82
Xterra S 2WD $208 $258 $382 $22 $114 $984 $82
Xterra S 4WD $208 $258 $382 $22 $114 $984 $82
Xterra X 4WD $208 $258 $382 $22 $114 $984 $82
Xterra Off Road 4WD $240 $328 $382 $22 $114 $1,086 $91
Xterra SE 2WD $240 $328 $382 $22 $114 $1,086 $91
Xterra SE 4WD $240 $328 $382 $22 $114 $1,086 $91
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in specific zip code location which can impact auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost you about $12 more each month or $144 a year across all Nissan Xterra models than choosing the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 21 months between claim filings, you would more than likely save some money if you opt for a higher deductible. The numbers below show an example of how this determination is made.

Average monthly premium for $250 deductibles: $98
Average monthly premium for $500 deductibles (subtract): – $86
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important caveat is that raising deductibles to save money results in a higher out-of-pocket expense when you have a comprehensive or collision claim. It will be required that you have some savings in the event you have to pay the deductible for vehicle repair.

The information below demonstrates how deductibles and can raise or lower Nissan Xterra annual premium costs for different age categories. The costs are based on a married female driver, full coverage, and no discounts are applied.

Informed Drivers Can Slash Their Insurance Premiums

Lots of things are part of the equation when quoting car insurance. A few of the factors are predictable such as traffic violations, but others are not as apparent like your vehicle usage or how financially stable you are.

The factors shown below are a few of the things used by insurance companies to determine premiums.

Why you need Xterra insurance in Texas

Even though it can be expensive, paying for insurance is required in Texas but it also protects you in many ways.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. But the average American driver overpays more than $865 each year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.