Have you had enough of sacrificing to insure your Nissan every month? You are in the same boat as many other Illinois drivers.
Regrettably, over 70% of consumers have remained with the same auto insurance company for four years or more, and practically 40% of auto insurance customers have never shopped around. Many drivers in the United States could save 46.5% every year just by getting comparison quotes, but they mistakenly think it’s difficult to save money by comparing rate quotes.
Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with ad campaigns and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
You should take the time to quote other rates quite often since insurance rates trend upward over time. Just because you had the best rate on Nissan Xterra insurance in Chicago on your last policy there may be better deals available now. You can search a lot of Xterra insurance online, but in just a couple of minutes you can learn a bunch of ideas how to stop overpaying for insurance in Chicago.
Affordable Chicago insurance quotes with discounts
Some companies do not list the complete list of policy discounts very clearly, so here is a list both well-publicized and the harder-to-find credits available to lower your premiums when you buy Chicago auto insurance online.
- Senior Citizen Rates – Older drivers are able to get a small decrease in premiums.
- Telematics Data – Drivers who elect to allow their insurance company to look at where and when they drive remotely such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
- Early Signing – Some larger companies give discounts for buying a policy prior to your current Xterra insurance policy expiration. It could save around 10% when you buy Chicago auto insurance online.
- Auto/Home Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could earn a discount of up to 20% off your total Xterra insurance premium.
- Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote Chicago auto insurance depending on your insurance provider.
- Active Service Discounts – Having a family member in the military can result in better rates.
- Seat Belts Save – Forcing all vehicle occupants to buckle up can save 10% or more off the PIP or medical payment premium.
- Defensive Driving Course – Taking part in a course teaching safe driver skills may get you a small discount and make you a better driver.
- Responsible Driver Discounts – Accident-free drivers can pay as much as 50% less as compared to drivers with claims.
You should keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
For a list of insurance companies that offer some of these discounts in Illinois, click this link.
The best way to compare insurance rates from multiple companies is to know the fact most larger insurance companies pay for the opportunity to compare rate quotes. All consumers are required to do is provide a little information like the make and model of your vehicles, your occupation, your general credit rating, and if you are currently licensed. Your rating data is submitted instantly to many different companies and you get price estimates instantly to find the best rate.
To check Nissan Xterra insurance prices now, click here and find out if you can get cheaper insurance in Chicago.
The companies shown below offer price comparisons in Illinois. If multiple companies are shown, we suggest you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $160 | $202 | $268 | $16 | $80 | $726 | $61 |
| Xterra S 2WD | $158 | $216 | $352 | $20 | $106 | $852 | $71 |
| Xterra S 4WD | $158 | $216 | $352 | $20 | $106 | $852 | $71 |
| Xterra X 4WD | $218 | $322 | $352 | $20 | $106 | $1,018 | $85 |
| Xterra Off Road 4WD | $224 | $334 | $262 | $16 | $78 | $914 | $76 |
| Xterra SE 2WD | $96 | $146 | $246 | $14 | $74 | $576 | $48 |
| Xterra SE 4WD | $98 | $150 | $250 | $14 | $76 | $588 | $49 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can impact coverage prices considerably.
Where to set your deductibles
When buying auto insurance, a common question is how high should the deductibles for physical damage be. The following insurance rates can help show the difference in cost of buying low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $176 | $218 | $262 | $16 | $78 | $775 | $65 |
| Xterra S 2WD | $176 | $218 | $262 | $16 | $78 | $775 | $65 |
| Xterra S 4WD | $176 | $218 | $262 | $16 | $78 | $775 | $65 |
| Xterra X 4WD | $176 | $218 | $262 | $16 | $78 | $775 | $65 |
| Xterra Off Road 4WD | $202 | $280 | $262 | $16 | $78 | $863 | $72 |
| Xterra SE 2WD | $202 | $280 | $262 | $16 | $78 | $863 | $72 |
| Xterra SE 4WD | $202 | $280 | $262 | $16 | $78 | $863 | $72 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $108 | $138 | $262 | $16 | $78 | $602 | $50 |
| Xterra S 2WD | $108 | $138 | $262 | $16 | $78 | $602 | $50 |
| Xterra S 4WD | $108 | $138 | $262 | $16 | $78 | $602 | $50 |
| Xterra X 4WD | $108 | $138 | $262 | $16 | $78 | $602 | $50 |
| Xterra Off Road 4WD | $124 | $176 | $262 | $16 | $78 | $656 | $55 |
| Xterra SE 2WD | $124 | $176 | $262 | $16 | $78 | $656 | $55 |
| Xterra SE 4WD | $124 | $176 | $262 | $16 | $78 | $656 | $55 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in your specific Chicago location which can increase or decrease premiums substantially.
Using the data above, we can ascertain that using a $250 deductible costs about $16 more each month or $192 for a full year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 47 months between claim filings, you would come out ahead by going with a higher deductible.
How much more does full coverage cost in Chicago?
The diagram below shows the difference between Nissan Xterra car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no violations or claims, $250 deductibles, married male driver, and no other discounts are factored in.
When to eliminate full coverage
There is no set guideline for dropping full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Nissan Xterra settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after the deductible is paid. If you are paying in excess of $700 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.
Independent versus exclusive insurance agents
A lot of people prefer to buy from a licensed agent and that is recommended in a lot of cases One of the best bonuses of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. Supporting local insurance agents is still important in Chicago.
To help locate an agent, after submitting this quick form, your insurance coverage information is emailed to local insurance agents in Chicago that give free quotes and help you find cheaper coverage. You don’t have to find an agent on your own as quotes are delivered immediately to you. You can most likely find cheaper rates without having to waste a lot of time. In the event you want to get a rate quote from a specific insurance company, you just need to go to their quote page to submit a rate quote request.
Insurance agent types
When researching a reliable agent, there are two different types of agencies and how they can service your needs differently. Auto insurance agencies may be either exclusive or independent.
Independent Auto Insurance Agencies
Agents that choose to be independent are appointed with more than one company and that gives them the ability to insure through lots of different companies depending on which coverage is best. If your premiums go up, the agent simply finds a different carrier and the insured can keep the same agent. If you are comparing auto insurance prices, you will want to get rate quotes from several independent agencies in order to have the best price comparison.
Listed below are independent insurance agencies in Chicago who can help you get price quote information.
Lincoln Auto Insurance
855 W Washington Blvd – Chicago, IL 60607 – (312) 666-8800 – View Map
W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map
Great Northern Insurance Agency
5632 S Pulaski Rd – Chicago, IL 60629 – (773) 838-3900 – View Map
Exclusive Agencies
These type of agents can only provide pricing for a single company like Farmers Insurance, Allstate, or State Farm. They usually cannot give you multiple price quotes so keep that in mind. Exclusive insurance agents are trained well on what they offer which helps them compete with independent agents.
Shown below are Chicago exclusive agents that are able to give price quotes.
Rhea Joyer – State Farm Insurance Agent
4911 N Lincoln Ave c – Chicago, IL 60625 – (773) 878-8883 – View Map
Mark Mackey – State Farm Insurance Agent
3338 W Foster Ave – Chicago, IL 60625 – (773) 604-4334 – View Map
Sylvia Torres Underhill – State Farm Insurance Agent
2422 S Oakley Ave – Chicago, IL 60608 – (773) 376-1166 – View Map
Choosing the best car insurance agent is decision based upon more than just a cheap price. Some important questions to ask are:
- Do they offer accident forgiveness?
- Is the agent CPCU or CIC certified?
- What is the agency’s Better Business Bureau rating?
- By raising physical damage deductibles, how much would you save?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do the companies they represent have a solid financial rating?
Cheaper insurance is a realistic goal
Cost effective Nissan Xterra insurance can be bought both online in addition to local insurance agencies, and you should be comparing both to have the best selection. Some companies do not offer internet price quotes and usually these smaller providers prefer to sell through independent insurance agencies.
You just read quite a bit of information on how to reduce Nissan Xterra insurance car insurance rates online in Chicago. The key thing to remember is the more you quote Chicago auto insurance, the better likelihood of getting affordable Nissan Xterra insurance quotes. Drivers may even discover the best price on insurance is with a lesser-known regional company. They can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.
More detailed insurance information is available in the articles below:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for High Risk Drivers in Chicago? (FAQ)
- Who Has Cheap Chicago Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Chicago Auto Insurance Rates for a Learners Permit? (FAQ)
- How Much are Chicago Auto Insurance Rates for Nurses? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Older Drivers FAQ (iihs.org)
- Teen Driver Licensing Information (iihs.org)