Car Insurance Quotes for a Nissan Xterra

The average monthly car insurance premium for a Nissan Xterra is $137 for full coverage and $79 for minimum liability coverage.

There are many advantages to buying a full coverage policy over a liability-only policy, thanks to its first and third-party benefits that protect against a broader range of scenarios in an accident, regardless of who is at fault.

Freeway Insurance is ready to step up if you have questions about structuring your auto policy. Let us help you evaluate your cheap auto insurance options in line with your coverage needs and affordability.

For any driver to protect themselves on the road, rely on an auto policy consisting of liability-only, full coverage, or other options that meet your needs.

It is highly recommended that you carry full coverage, thanks to its first and third-party benefits, including liability, collision, and comprehensive. For several hundred dollars more per year, enjoy broader protection than a liability-only policy.

Full Coverage

A full coverage auto insurance policy typically includes liability, collision, and comprehensive coverage.

Liability is the main component of all policies, providing third-party benefits to pay for the cost of injuries or damage sustained by others in an accident where you are the responsible party.

Additionally, collision and comprehensive provides first-party protections, paying for repairing or replacing your vehicle or other property due to collision and non-collision-related events like theft, fire, and hail.

Full coverage does not mean add-ons like medical payments (MedPay), personal injury protection (PIP) and rental car reimbursement. Although they are all nice, feel free to add these to your policy at your discretion and according to your state’s requirements.

State Minimum Liability

Also referred to as liability-only, this type of policy satisfied the legal requirement for driving in your state.

Every state has minimums. It is expressed as three figures (e.g., 100/300/100). For example, all Alabama and Nebraska drivers must have a 25/50/25 policy. In turn, all California drivers must carry a 15/30/5.

With only $5,000 in property damage required in California, you should ideally carry well over these limits. If you can afford it, a 100/300/100 policy will offer greater peace of mind.

Outside of your age/gender and driving record, dozens of other variables influence the cost of premiums for drivers.

Three that come to mind are location, vehicle usage, and the type of vehicle you drive.

Location

If you live in a high-density urban area with higher crime and accident rates, expect to pay higher premiums than residents of rural and lower-population areas in your state.

Vehicle Usage

How you use your vehicle matters greatly as well. You can expect to pay lower premiums if you use your car mainly to drive to and from work, rather than as a person who travels frequently.

Type of Vehicle

Lastly, remember the type of vehicle you drive. Your car’s value, repair cost, safety features, and theft/vandalism risk are only four factors used to determine premium costs. For this reason, do not expect Tesla 2022 Model X drivers to pay the same premiums as 1997 Honda Civic drivers.

If you’re a Nissan Xterra driver recently convicted of a DUI, expect severe consequences from a financial and administrative perspective.

For starters, expect elevated premiums and potential legal and court costs. It’s not uncommon to see premiums triple, depending on your driving record and whether or not this was a first or subsequent offense. Additionally, DUI creates a heavy financial burden with plenty of administrative and court costs.

Another thing to remember with DUI convictions is the possible required filing of an SR-22 with your state’s Department of Motor Vehicles. An SR-22 is a certificate of financial responsibility that lets the state know you’re carrying the necessary coverage to drive legally. On top of elevated premiums, you must pay a fee to file. But anyone required to file an SR-22 will be considered a high-risk driver.

In the worst of cases, DUI convicted drivers can even see their policies canceled or outright rejected. In this case, you may be forced to turn to specialty providers focusing on high-risk drivers to find DUI car insurance.

Before agreeing to your premium, check with your agent to find out if you are eligible for safe driver and other auto coverage discounts. Bundling, or multi-policy, will give you the greatest discount.

As the name implies, multi-policy discounts are offered to drivers with multiple policies under the same provider. Safe driver discounts typically go to drivers with no accidents, traffic violations, or claims for the past three to five years. Some insurers incentivize policyholders closer to the 3-year mark, while others prefer closer to the 5-year mark, with many falling in between.

If you want to save even more money on your auto insurance premiums, look into the following:

This is a vehicle in the midsize SUV segment, discontinued after the 2015 model year.

It comes in three trims: X, S, and Pro-4X, and a single V6 engine option for 261 horsepower.

Standard features include cloth upholstery, foldable rear seats, Bluetooth, an under-floor storage bin, and 66 cubic feet of cargo space. Upgrading to higher-level trims adds a USB port and smartphone compatibility.

Main competitors are the Toyota 4-Runner, Nissan Pathfinder, Ford Bronco, and the Jeep Wrangler.