Are you looking for a better way to compare cheaper auto insurance rates in Chula Vista, CA? Chula Vista buyers have options when searching for the lowest priced Nissan Xterra insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the best way to quote coverages for your Nissan and get the best price possible.
You need to do price comparisons as often as possible due to the fact that insurance rates change quite often. Just because you found the lowest premium rates on Nissan Xterra insurance in Chula Vista a year ago the chances are good that you can find a lower price today. There is a lot of bad information regarding Xterra insurance online, but you can learn some excellent ideas to find affordable auto insurance in Chula Vista.
Getting a cheaper price on Nissan Xterra insurance doesn’t have to be difficult. You just need to take a few minutes comparing rates to find out which insurance company has the cheapest Nissan Xterra rate quotes.
The companies shown below can provide price comparisons in California. To get cheaper car insurance in Chula Vista, we recommend you visit as many as you can in order to get a fair rate comparison.
It may be expensive, but it’s not optional
Despite the fact that auto insurance is not cheap in Chula Vista, auto insurance may be required and benefits you in several ways.
- Almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car legally. 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 vehicle has a lienholder, most lenders will have a requirement that you have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may buy a policy for your Nissan at a significantly higher premium and require you to reimburse them the higher price.
- Auto insurance preserves not only your Nissan Xterra but also your financial assets. Insurance will also pay for medical bills incurred in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If your Nissan gets damaged, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of having auto insurance definitely exceed the price paid, particularly for liability claims. According to a survey of 1,000 drivers, the average driver overpays as much as $865 each year so compare rate quotes at every renewal to make sure the price is not too high.
Rate information and statistics
The coverage table shown next covers a range of rate quotes for Nissan Xterra models. Having knowledge of how auto insurance policy rates are determined can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $284 | $456 | $500 | $30 | $150 | $1,420 | $118 |
| Xterra S 2WD | $284 | $456 | $500 | $30 | $150 | $1,420 | $118 |
| Xterra S 4WD | $284 | $456 | $500 | $30 | $150 | $1,420 | $118 |
| Xterra X 4WD | $284 | $456 | $500 | $30 | $150 | $1,420 | $118 |
| Xterra Off Road 4WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Xterra SE 2WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Xterra SE 4WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in your specific Chula Vista location which can alter prices considerably.
An analysis of deductible level
One frequently asked question is which deductibles should you choose. The figures shown below can help you visualize the costs and benefits of buying low and high comp and collision deductibles. The first rate table uses a $250 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $298 | $370 | $442 | $26 | $132 | $1,293 | $108 |
| Xterra S 2WD | $298 | $370 | $442 | $26 | $132 | $1,293 | $108 |
| Xterra S 4WD | $298 | $370 | $442 | $26 | $132 | $1,293 | $108 |
| Xterra X 4WD | $298 | $370 | $442 | $26 | $132 | $1,293 | $108 |
| Xterra Off Road 4WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Xterra SE 2WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Xterra SE 4WD | $342 | $472 | $442 | $26 | $132 | $1,439 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra S 2WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra S 4WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra X 4WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra Off Road 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Xterra SE 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Xterra SE 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can modify premium rates substantially.
We can estimate from the data above that using a $250 deductible costs roughly $14 more each month or $168 a year averaged for all Xterra models than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claims, you would more than likely save some money if you choose the higher deductible. The illustration below shows the way this calculation is made.
| Average monthly premium for $250 deductibles: | $113 |
| Average monthly premium for $500 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important sidenote is that a higher deductible level means you will have to pay more out-of-pocket at claim time. It will be required that you have enough disposable income in the event you have to pay the higher deductible in order to repair your vehicle.
How much more does full coverage cost in Chula Vista?
The chart below compares Nissan Xterra insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no exact rule to stop buying physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Nissan Xterra claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after paying your policy deductible. If premium cost is more than $400 annually to have full coverage, then you might consider buying liability only.
There are a few cases where only buying liability is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Car insurance discounts are available for cheaper rates
Car insurance is easily one of your largest bills, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but once in a while a discount must be inquired about before being credited.
- Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts could see savings of 20% or more.
- Save over 55 – Older drivers could receive reduced rates.
- Pay Upfront and Save – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
- Professional Memberships – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on car insurance.
- Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Discounts for Good Drivers – Drivers without accidents could pay up to 40% less than drivers with accidents.
- Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks with the same car insurance company qualifies for this discount.
- Early Renewal Discounts – Some larger companies provide a discount for switching companies before your current coverage expires. It can save you around 10%.
Just know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help lower the cost of your policy.
The chart below illustrates the comparison of Nissan Xterra auto insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, marriage, multi-car, and claim-free discounts applied.
A list of companies and a summarized list of policyholder discounts are detailed below.
- Progressive includes discounts for homeowner, continuous coverage, online quote discount, multi-policy, multi-vehicle, online signing, and good student.
- SAFECO has savings for anti-lock brakes, bundle discounts, teen safe driver, homeowner, anti-theft, and teen safety rewards.
- American Family has discounts for good student, good driver, TimeAway discount, bundled insurance, and Steer into Savings.
- MetLife may have discounts that include multi-policy, defensive driver, good driver, claim-free, accident-free, and good student.
- GEICO offers premium reductions for multi-vehicle, defensive driver, military active duty, good student, and seat belt use.
- The Hartford may include discounts for defensive driver, anti-theft, good student, air bag, and vehicle fuel type.
When comparing rates, check with all the companies how you can save money. Savings may not apply in Chula Vista. If you would like to view providers with discount car insurance rates in Chula Vista, follow this link.
When to contact an insurance agency
A small number of people just prefer to sit down with an agent and that can be a great decision Most agents can help you build your policy and help file insurance claims. A nice benefit of getting free rate quotes online is the fact that drivers can get better rates and still have a local agent.
By using this quick form, your coverage information is submitted to agents in your area who will give you bids to get your business. There is no reason to leave your computer since rate quotes are delivered directly to your email. In the event you want to get a comparison quote for a specific company, you can always jump over to their website and complete a quote there.
Deciding on an insurer should depend on more than just the price. Ask your prospective agent these questions:
- Can they provide you with a list of referrals?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will your rates increase after a single accident?
- Do they offer rental car reimbursement?
- Do they see any coverage gaps in your plan?
Choose an insurance agent wisely
If you’re trying to find a reliable insurance agent, you must know there are a couple types of agencies and how they are slightly different. Insurance agents can be categorized as either exclusive agents or independent agents. Either can sell and service insurance coverage, but it’s a good idea to understand the difference in how they write coverage since it could factor into the selection process.
Exclusive Agents
These agents can usually just insure with one company such as Farmers Insurance and State Farm. They usually cannot compare rates from other companies so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets. Some people will only purchase coverage from exclusives primarily because of the prominence of the brand and strong financial ratings.
The following is a short list of exclusive insurance agencies in Chula Vista who may provide you with comparison quotes.
- Allstate Insurance: Candy Raya
985 Broadway j – Chula Vista, CA 91911 – (619) 691-8111 – View Map - Carlos Solorzano – State Farm Insurance Agent
1105 Broadway #202 – Chula Vista, CA 91911 – (619) 420-7000 – View Map - Brian Konishi – Allstate Insurance Agent
786 Third Ave – Chula Vista, CA 91910 – (619) 426-6580 – View Map
Independent Agents (or Brokers)
Independent agencies do not sell for just one brand and that is an advantage because they can write policies through many different insurance companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house which requires no work on your part.
If you are trying to find cheaper rates, we recommend you get quotes from several independent insurance agents to get the most accurate price comparison. They often place coverage with small mutual carriers which may have better rates.
Below is a list of independent insurance agencies in Chula Vista that are able to give price quote information.
- Princell Insurance Services
1068 Moonstone Pl – Chula Vista, CA 91913 – (619) 397-5955 – View Map - Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
How to find a good California auto insurance company
Ending up with the highest-rated insurance company can be difficult considering how many different companies sell coverage in Chula Vista. The rank data displayed below can help you choose which insurers you want to consider purchasing a policy from.
Top 10 Chula Vista Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Chula Vista Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
A conclusion for your car insurance search
Drivers who switch companies do it for a variety of reasons including poor customer service, denial of a claim, being labeled a high risk driver and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new car insurance company is pretty easy and you might even save some money in the process.
As you quote Chula Vista auto insurance, never reduce needed coverages to save money. Too many times, an insured dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.
In this article, we presented a lot of information how to find cheap Nissan Xterra insurance in Chula Vista. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the best rates are with a smaller regional carrier.
Steps to buying discount Nissan Xterra insurance in Chula Vista
If saving the most money is your goal, then the best way to find the cheapest price for Nissan Xterra insurance is to do an annual price comparison from insurers that sell auto insurance in Chula Vista.
- First, spend some time learning about what coverages are included in your policy and the things you can change to prevent expensive coverage. Many policy risk factors that drive up the price such as your driving record and a bad credit rating can be eliminated by making small lifestyle or driving habit changes.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while agents who are independent can provide prices for a wide range of companies.
- Third, compare the price quotes to the premium of your current policy and determine if there is any savings. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
One important bit of advice is to compare the same physical damage deductibles and liability limits on each quote request and and to analyze every company you can. This ensures an apples-to-apples comparison and a complete price analysis.
More tips and info about car insurance is available by following these links:
- Distracted Driving (Insurance Information Institute)
- Who Has Affordable Chula Vista Auto Insurance Rates for 19 Year Olds? (FAQ)
- Who Has the Cheapest Chula Vista Car Insurance Rates for Low Income Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Ford Explorer in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Over Age 60 in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Car Insurance for a Hyundai Elantra? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)
- Older Drivers FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)