Do you want a faster way to compare lower-priced Nissan Xterra insurance in Colorado Springs? Trying to find cheaper insurance for a new or used Nissan Xterra in Colorado could be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance and you need to know the best way to quote coverages for a Nissan and locate the cheapest rates from Colorado Springs insurance agents and online providers.
Finding a better price on car insurance is surprisingly easy. Just take the time comparing free Colorado Springs car insurance quotes from online providers.
The companies shown below can provide comparison quotes in Colorado. If several companies are displayed, it's highly recommended you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Xterra X 2WD||$146||$186||$352||$20||$106||$810||$68|
|Xterra S 2WD||$226||$344||$396||$24||$118||$1,108||$92|
|Xterra S 4WD||$264||$352||$352||$20||$106||$1,094||$91|
|Xterra X 4WD||$126||$182||$368||$22||$110||$808||$67|
|Xterra Off Road 4WD||$260||$462||$396||$24||$118||$1,260||$105|
|Xterra SE 2WD||$208||$312||$330||$20||$98||$968||$81|
|Xterra SE 4WD||$234||$368||$368||$22||$110||$1,102||$92|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in your specific Colorado Springs location which can increase or decrease prices significantly.
Impact of speeding/accidents on auto insurance rates
The diagram below illustrates how violations and at-fault collisions impact Nissan Xterra insurance prices for different age groups of insureds. The data is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Can higher deductibles save money?
The diagram below highlights how deductible choice and can change Nissan Xterra insurance prices for different age categories. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.
When do I need an agent's advice?
When it comes to the right insurance coverage for your vehicles, there is no one-size-fits-all type of policy. Your financial needs are unique so this has to be addressed. For example, these questions might help in determining whether your personal situation would benefit from an agent's advice.
- Am I covered if I hit my neighbor's mailbox?
- Does my Nissan Xterra qualify for pleasure use?
- Does car insurance cover theft of personal property?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Is coverage enough to protect my assets?
- Is my son or daughter covered when driving my car?
- Are combined or split liability limits better?
- Does rental coverage apply when I am renting a car?
- When would I need rental car insurance?
- Does insurance cover tools stolen from my truck?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and you can get the answers you need.
Neighborhood insurance agents
Some consumers would prefer to get advice from a local agent and that is not a bad decision Professional insurance agents are trained risk managers and help in the event of a claim. One of the best bonuses of getting online price quotes is you may find lower auto insurance rates but also keep your business local.
After filling out this short form, your coverage information is transmitted to local insurance agents in Colorado Springs who will return price quotes for your car insurance coverage. You won't even need to search for any insurance agencies due to the fact that quote results will go to you. If you have a need to get a price quote from one company in particular, you can always visit that company's website and give them your coverage information.
Selecting an insurer shouldn't rely on just a cheap price. Here are some questions you should ask.
- Will you get a loaner vehicle if you car is being repaired?
- Does the company have a local claim office in Colorado Springs?
- Do the coverages you're quoting properly cover your vehicle?
- Is the agent properly licensed in Colorado?
- Will they make sure you get an adequate claim settlement?
- Are they primarily personal or commercial lines agents in Colorado Springs?
When finding a reliable agent, you should know the types of agencies and how they can write your policy. Agents can be categorized as either exclusive or independent agents depending on their company appointments. Either one can write car insurance policies, but it's good to learn the differences since it could factor into buying decisions.
Exclusive insurance agents are contracted to one company and examples are State Farm, Allstate, or Farmers Insurance. They generally cannot compare other company's rates so they really need to provide good service. They are highly trained on their products and sales techniques which helps them sell insurance even at higher premiums. Drivers often choose to use a exclusive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.
Below is a short list of exclusive agencies in Colorado Springs that are able to give comparison quotes.
- Lee Ann Moore - State Farm Insurance Agent
3649 Star Ranch Rd - Colorado Springs, CO 80906 - (719) 540-9520 - View Map
- State Farm: Austin Morgan
1806 Dominion Way Suite A - Colorado Springs, CO 80918 - (719) 630-1800 - View Map
- Roberto Martinez - State Farm Insurance Agent
1216 Academy Blvd N - Colorado Springs, CO 80909 - (719) 574-0210 - View Map
Independent Insurance Agents
These type of agents often have affiliation with several companies and that enables them to quote your coverage with lots of companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house and you can keep the same agent. If you are trying to find cheaper rates, we highly recommend that you get some free quotes from several independent agencies to have the most options to choose from. Most independent agents also contract with additional companies that you may not be familiar with that may provide cheaper car insurance rates.
Below is a list of independent agencies in Colorado Springs who can help you get rate quotes.
- Insurance Stops
2105 E Bijou St A - Colorado Springs, CO 80909 - (719) 636-3369 - View Map
- CIA-Leavitt Insurance Agency
5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map
- Jensen Insurance Agency
125 N Parkside Dr #201f - Colorado Springs, CO 80909 - (719) 635-9557 - View Map