Want to learn the secrets to finding cheaper Nissan Xterra insurance in Fort Collins? Shopping for budget-priced Fort Collins Nissan Xterra insurance quotes online might appear impossible for people that are relatively new to comparing and buying insurance online. With more and more companies, how can Fort Collins drivers be able to compare every insurance company to find the cheapest rates?

Insurance rates Nissan Xterra in Fort CollinsA study showed that almost 70% of drivers kept their policy with the same company for at least the last four years, and nearly half have never taken the time to shop around. Many drivers in Colorado could save themselves as much as 35% a year, but they don't believe the amount of money they would save if they switch to a new company.

Our goal is to let you in on how car insurance quotes work. If you have a policy now, you stand a good chance to be able to reduce the price you pay using the tips covered below. But Colorado vehicle owners do need to learn the way companies determine how much to charge because rates are impacted by many factors.

When quoting car insurance, remember that obtaining a wide range of quotes gives you a better chance of getting the best price.

The companies in the list below are ready to provide free quotes in Fort Collins, CO. If the list has multiple companies, we suggest you visit as many as you can to get the most competitive price.

Nissan Xterra Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $202 $292 $330 $20 $98 $942 $79
Xterra S 2WD $146 $186 $352 $20 $106 $810 $68
Xterra S 4WD $114 $158 $338 $20 $100 $730 $61
Xterra X 4WD $252 $398 $456 $28 $136 $1,270 $106
Xterra Off Road 4WD $152 $218 $362 $22 $108 $862 $72
Xterra SE 2WD $208 $312 $330 $20 $98 $968 $81
Xterra SE 4WD $252 $304 $460 $28 $138 $1,182 $99
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can alter coverage rates substantially.

Policy deductible comparison

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The following insurance rates summarize the costs and benefits between high and low physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Nissan Xterra insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $236 $294 $352 $20 $106 $1,033 $86
Xterra S 2WD $236 $294 $352 $20 $106 $1,033 $86
Xterra S 4WD $236 $294 $352 $20 $106 $1,033 $86
Xterra X 4WD $236 $294 $352 $20 $106 $1,033 $86
Xterra Off Road 4WD $272 $376 $352 $20 $106 $1,151 $96
Xterra SE 2WD $272 $376 $352 $20 $106 $1,151 $96
Xterra SE 4WD $272 $376 $352 $20 $106 $1,151 $96
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Nissan Xterra insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $192 $238 $352 $20 $106 $908 $76
Xterra S 2WD $192 $238 $352 $20 $106 $908 $76
Xterra S 4WD $192 $238 $352 $20 $106 $908 $76
Xterra X 4WD $192 $238 $352 $20 $106 $908 $76
Xterra Off Road 4WD $220 $304 $352 $20 $106 $1,002 $84
Xterra SE 2WD $220 $304 $352 $20 $106 $1,002 $84
Xterra SE 4WD $220 $304 $352 $20 $106 $1,002 $84
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in zip code location which can decrease or increase coverage rates substantially.

Based on this data, using a $250 deductible would cost the average driver about $11 more each month or $132 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 23 months between claim filings, you would more than likely save some money by selecting a higher deductible. Here is a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $90
Average monthly premium for $500 deductibles (subtract): - $79
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Cheap Nissan Xterra insurance in Fort Collins

Companies that sell car insurance don't necessarily list all possible discounts very well, so the list below gives a summary of a few of the more common and also the lesser-known discounts that you may qualify for. If you do not double check each discount you qualify for, you are not getting the best rate possible.Cheaper auto insurance with discounts

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, that's just not realistic.

A few popular companies and a selection of discounts are outlined below.

When quoting, ask each company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in Fort Collins. To see insurers that provide some of the discounts listed above in Colorado, click this link.

Eight Tips to Get Lower-cost Fort Collins Insurance Rates

The best way to find cheaper auto insurance is to take a look at the different types of things that come into play when calculating the price you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get much lower annual insurance costs.

The itemized list below are a partial list of the pieces used by your company to calculate rates.

Don't I need to get advice from an insurance agent?

Many people prefer to get advice from a local agent and that can be a great decision The biggest benefit of comparing car insurance online is the fact that drivers can get the lowest rates and still have an agent to talk to. Buying insurance from local agents is especially important in Fort Collins.

Insurance agency in Fort CollinsTo help locate an agent, after submitting this short form, your information is instantly submitted to agents in your area who will return price quotes for your business. It's much easier because you don't need to leave your house as quotes are delivered immediately to your email address. You can find the lowest rates and a licensed agent to work with. If for some reason you want to get a rate quote for a specific company, you can always search and find their rate quote page to submit a rate quote request.

Not all car insurance agents are the same

When looking for a good Fort Collins insurance agent, you should know the different agency structures to choose from. Insurance agencies in Fort Collins can either be independent or exclusive.

Independent Agents

Independent insurance agents are not limited to a single company and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. If premiums increase, the business is moved internally and you can keep the same agent.

When comparing rates, you will definitely want to get some free quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also write with smaller mutual companies which can be an advantage.

Below is a small list of independent insurance agents in Fort Collins that can possibly get you free car insurance quotes.

More Fort Collins agents

Exclusive Car Insurance Agencies

These type of agents have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive agencies are well trained in insurance sales which aids in selling service over price. Consumers frequently buy from exclusive agents partially due to the brand name rather than low price.

Listed below is a list of exclusive agencies in Fort Collins that are able to give rate quotes.

More Fort Collins agents

Finding the right auto insurance agent should include more criteria than just a low price. Any agent in Fort Collins should be forthright in answering these questions:

How much car insurance do I need?

When it comes to insurance from an agent or online, there isn't really a best way to insure your cars. Your needs are unique to you.Higher deductibles save money

For instance, these questions can help discover whether your personal situation would benefit from professional advice.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Can you really save that much by switching?

Popular car insurance providers such as Allstate and Progressive continually stream television and radio advertisements. All the companies make an identical promise that you can save just by switching your car insurance coverage to their company. That's great but how can every company charge less that you're paying now? Just pay attention to how they say it.

Companies are able to cherry pick for the driver that will not have excessive claims. A good example of a desirable risk could possibly be over age 30, has no driving citations, and chooses high deductibles. A propective insured that matches those criteria receives the best auto insurance rates in Fort Collins and therefore will save a lot on Fort Collins Nissan Xterra insurance if they switch.

Consumers who don't qualify for those standards may be required to pay a higher rate and this results in the customer not buying. The ads state "customers that switch" but not "everyone who gets a quote" will save that much if they switch. This is how insurance companies can advertise the way they do.

Different companies use different criteria so you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know which car insurance company will have the lowest premium rates for your situation.

A conclusion for your insurance search

More affordable insurance in Fort Collins is available on the web and with local Fort Collins insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not provide online quoting and many times these regional insurance providers only sell through local independent agents.

We've covered some good ideas how to compare Nissan Xterra insurance prices in Fort Collins. The key thing to remember is the more times you quote, the better likelihood of getting affordable Fort Collins car insurance quotes. You may even find the best prices are with an unexpected company.

As you prepare to switch companies, it's very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

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