Best Insurance for a Nissan Xterra in Kansas City

Insurance rates Nissan Xterra in Kansas CityBuying discount Kansas City Nissan Xterra insurance quotes may seem to be somewhat difficult for people new to quoting and buying insurance online. With a ridiculous number of companies in the marketplace, how can you have a chance to compare every possible option in order to find the best available price?

Shockingly, the vast majority of consumers have purchased from the same company for over three years, and just short of a majority have never compared rates with other companies. Kansas City insurance shoppers could save an average of 25% each year by just comparing rate quotes, but most undervalue how much money they would save if they switched to a cheaper policy.

Low Cost companies for Nissan Xterra insurance in Missouri

The companies shown below have been selected to offer quotes in Kansas City, MO. If you want to find cheap car insurance in Kansas City, we recommend you visit two to three different companies to get the best price comparison.

Rates and statistics

The table displayed next outlines detailed analysis of insurance costs for Nissan Xterra models. Having a better understanding of how car insurance prices are calculated can help drivers make smart choices when buying a policy.

Nissan Xterra Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $112 $150 $250 $14 $74 $600 $50
Xterra S 2WD $112 $150 $250 $14 $74 $600 $50
Xterra S 4WD $112 $150 $250 $14 $74 $600 $50
Xterra X 4WD $112 $150 $250 $14 $74 $600 $50
Xterra Off Road 4WD $128 $190 $250 $14 $74 $656 $55
Xterra SE 2WD $128 $190 $250 $14 $74 $656 $55
Xterra SE 4WD $128 $190 $250 $14 $74 $656 $55
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can raise or lower rates substantially.

Policy deductible comparison

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The rates shown below help summarize the price difference when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Nissan Xterra insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $200 $266 $266 $16 $80 $853 $71
Xterra S 2WD $200 $266 $266 $16 $80 $853 $71
Xterra S 4WD $200 $266 $266 $16 $80 $853 $71
Xterra X 4WD $200 $266 $266 $16 $80 $853 $71
Xterra Off Road 4WD $230 $340 $266 $16 $80 $957 $80
Xterra SE 2WD $230 $340 $266 $16 $80 $957 $80
Xterra SE 4WD $230 $340 $266 $16 $80 $957 $80
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Nissan Xterra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $110 $140 $266 $16 $80 $612 $51
Xterra S 2WD $110 $140 $266 $16 $80 $612 $51
Xterra S 4WD $110 $140 $266 $16 $80 $612 $51
Xterra X 4WD $110 $140 $266 $16 $80 $612 $51
Xterra Off Road 4WD $128 $180 $266 $16 $80 $670 $56
Xterra SE 2WD $128 $180 $266 $16 $80 $670 $56
Xterra SE 4WD $128 $180 $266 $16 $80 $670 $56
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in zip code location which can impact coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $22 more each month or $264 each year than selecting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you have at least 41 months between claims, you would probably save some money by selecting a higher deductible.

The diagram below shows how different deductible levels and can influence Nissan Xterra insurance premiums for different age groups. The price estimates are based on a married female driver, full coverage, and no discounts are applied.

Do you need full coverage?

The information below illustrates the difference between Nissan Xterra insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no accidents, no driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Should you pay for full coverage?

There is no exact rule for eliminating physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your Nissan Xterra claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after the deductible is paid. If premiums are more than $600 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some conditions where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Get cheaper Nissan Xterra insurance in Kansas City with discounts

Companies that sell car insurance don’t list all their discounts very well, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.Save money with discounts

One thing to note about discounts is that some credits don’t apply to the whole policy. Most only reduce specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

The diagram below illustrates the difference between Nissan Xterra auto insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or driving violations, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, homeowner, and safe-driver discounts applied.

Large auto insurance companies and their offered discounts include:

When comparing rates, check with each insurance company to give you their best rates. Discounts might not be offered on policies everywhere. For a list of companies that offer many of these discounts in Kansas City, click this link.

How Insurers Determine Nissan Xterra Insurance Rates

Lots of factors are considered when quoting car insurance. Some are obvious like your driving record, but other factors are more obscure such as whether you are married or your commute time. Smart consumers have a good feel for the rating factors that are used to determine the price you pay for insurance. When you understand what determines premiums, this allows you to make educated decisions that could result in better insurance rates.

Big cities have higher premiums – Choosing to live in a small town may provide you with better prices if you are looking for the lowest rates. People in densely populated areas regularly have much more traffic and much longer commute distances. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.

Rental and towing coverage may not be needed – Insurance policies have a lot of extra coverages that you can get tricked into buying if you aren’t careful. Coverages for coverage for rental cars, towing coverage, and additional equipment coverage are some examples. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.

More than one policy can earn a discount – Most larger insurers apply better rates to clients who carry more than one policy in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. Even with this discount applied, drivers will still want to compare other Kansas City Xterra insurance rates to verify if the discount is saving money.

Is you job costing you more? – Did you know your career choice can influence rates? Occupations such as real estate brokers, architects, and medical professionals tend to pay the highest rates due to intense work requirements and extremely grueling work hours. Conversely, occupations like actors, historians and the unemployed receive lower rates.

Advanced alarm systems – Selecting a car model that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.

Insurance loss statistics a Nissan Xterra – Insurance companies analyze historical claim data when determining insurance rates. Models that have increased claim numbers or amounts will have higher rates.

The information below illustrates the collected loss data for Nissan Xterra vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Values under 100 suggest a better than average loss history, while values over 100 indicate more frequent losses or an increased chance of a larger loss.

Nissan Xterra Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Xterra 4dr 2WD 57 95 45
Nissan Xterra 4dr 4WD 62 100 63 59 77 86

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Car insurance is unique, just like you

When quoting and choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.Car insurance savings

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Compare rates but buy from a local neighborhood Kansas City car insurance agent

Certain consumers would rather sit down with an agent and that can be a smart move One of the great benefits of comparing rate quotes online is that drivers can save money and get better rates but also keep your business local.

Find insurance agent in Kansas CityFor easy comparison, once you complete this form (opens in new window), your coverage information is submitted to companies in Kansas City who will give you quotes for your insurance coverage. You won’t need to visit any agencies as quotes are delivered to you. You’ll get the best rates without having to waste a lot of time. If you have a need to compare prices for a specific company, don’t hesitate to go to their quote page and submit a quote form there.

Picking the best insurance company shouldn’t rely on just a low price. Here are some questions you might want to ask.

If you are wanting to find a local insurance agency, you should know the different types of agencies and how they are distinctly different. Agents can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents of this type can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents receive extensive training on their products and sales techniques and that allows them to sell at a higher price point. Drivers often buy from exclusive agents mainly due to loyalty to the company rather than having low rates.

Below is a list of exclusive agents in Kansas City that can give you rate quotes.

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Independent Agents (or Brokers)

These type of agents are not limited to a single company so they can quote policies with any number of different companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to find a new agent. If you are comparing rate quotes, it’s recommended you get several quotes from a few independent agents to have the best price comparison. Most independent agents also contract with lesser-known insurance companies which may provide better rates.

The following are independent insurance agencies in Kansas City who can help you get price quote information.

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After talking to the agent and getting good feedback to any questions you may have and inexpensive Nissan Xterra insurance in Kansas City quotes, it’s possible that you found a car insurance agent that can provide insurance coverage. Keep in mind policyholders can terminate coverage at any point so never assume you’re contractually obligated to a policy for a certain time period.

Best auto insurance company in Kansas City

Choosing the top auto insurance company can be a challenge considering how many choices drivers have in Missouri. The ranking information in the lists below could help you select which insurers you want to consider when shopping around.

Top Auto Insurance Companies in Kansas City
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Persistent drivers can save

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability coverage limits only to discover later that they should have had better coverage. The aim is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

Cheaper Nissan Xterra insurance in Kansas City can be found from both online companies and from local agencies, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online rate quotes and most of the time these smaller providers sell through independent insurance agents.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, denial of a claim, delays in responding to claim requests or even delays in paying claims. Regardless of your reason, finding a new insurance company is less work than it seems.

How to find affordable Nissan Xterra insurance in Kansas City

It takes a little time, but the best way to find more affordable Nissan Xterra insurance in Kansas City is to start doing a yearly price comparison from different companies in Missouri. Drivers can shop around by following these steps.

  1. Try to comprehend coverages and the factors you can control to prevent expensive coverage. Many factors that cause rate increases such as accidents, careless driving, and poor credit history can be amended by being financially responsible and driving safely.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can quote rates from many different companies.
  3. Compare the new rates to your existing policy and see if there is a cheaper rate in Kansas City. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
  4. Give notification to your current company to cancel your existing policy and submit a down payment along with a signed application to the new company. As soon as you have the new policy, keep the new certificate verifying proof of insurance somewhere easily accessible.

The most important part of shopping around is to compare similar limits and deductibles on every price quote and to quote with as many different insurance providers as possible. Doing this enables a fair rate comparison and a good representation of prices.

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