We don’t have to point out that fact that car insurance companies don’t want their customers to go rate shopping. People who get price comparisons will most likely switch auto insurance companies because there is a high probability of finding a more affordable policy. A recent auto insurance study revealed that people who routinely shopped around saved over $70 a month compared to drivers who never shopped around.
If finding the cheapest price on Nissan Xterra insurance in Fresno is your ultimate target, then having a good understanding the best way to shop and compare coverage rates can help simplify the task of finding more affordable coverage.
The best way to find discount car insurance rates is to regularly compare price quotes from insurance carriers in Fresno.
First, take a little time to learn about auto insurance and the changes you can make to prevent rate increases. Many things that drive up the price like getting speeding tickets and a negative credit score can be amended by making lifestyle changes or driving safer.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available in Fresno. If you find a better price, make sure coverage is continuous and does not lapse.
One piece of advice is to make sure you’re comparing similar coverage information on each quote request and and to get rate quotes from as many car insurance companies as possible. Doing this guarantees a level playing field and the best price quote selection.
When price shopping your coverage, comparing more prices will enable you to find the best price. Not every company does rate quotes online, so it’s important to also get price quotes from them as well.
The auto insurance companies shown below have been selected to offer price quotes in Fresno, CA. To find cheap car insurance in CA, we recommend you visit as many as you can to get the most competitive price.
Insurance rate breakdown
The data table shown next highlights detailed analysis of rate quotes for Nissan Xterra models. Having insight into how insurance policy premiums are figured can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $286 | $418 | $574 | $34 | $172 | $1,484 | $124 |
| Xterra S 2WD | $286 | $418 | $574 | $34 | $172 | $1,484 | $124 |
| Xterra S 4WD | $286 | $418 | $574 | $34 | $172 | $1,484 | $124 |
| Xterra X 4WD | $286 | $418 | $574 | $34 | $172 | $1,484 | $124 |
| Xterra Off Road 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Xterra SE 2WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Xterra SE 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in specific location which can raise or lower price quotes greatly.
Higher deductibles lower rates
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The comparison tables below outline the differences in premium rates between high and low insurance deductibles. The first set of rates uses a $100 deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Xterra S 2WD | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Xterra S 4WD | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Xterra X 4WD | $332 | $442 | $442 | $26 | $132 | $1,399 | $117 |
| Xterra Off Road 4WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Xterra SE 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Xterra SE 4WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra S 2WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra S 4WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra X 4WD | $242 | $298 | $442 | $26 | $132 | $1,140 | $95 |
| Xterra Off Road 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Xterra SE 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Xterra SE 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can raise or lower price quotes substantially.
Using the data above, we can ascertain that using a $100 deductible costs roughly $24 more each month or $288 for a full year averaged for all Xterra models than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claim filings, you would more than likely save some money if you choose the higher deductible. Below is the way this calculation is made.
| Average monthly premium for $100 deductibles: | $123 |
| Average monthly premium for $500 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
Driving violations and accidents
The diagram below illustrates how speeding tickets and accident claims can increase Nissan Xterra auto insurance costs for different insured age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The example below illustrates the comparison of Nissan Xterra yearly insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no set guideline that is best for determining when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Nissan Xterra claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Insurance agents can help
Keep in mind that when it comes to choosing coverage, there really is no single plan that fits everyone. Your situation is unique.
Here are some questions about coverages that could help you determine if your situation may require specific advice.
- What is GAP insurance?
- Why is insurance for a teen driver so high in Fresno?
- What policy terms are available?
- Am I covered when driving someone else’s vehicle?
- What is covered by UM/UIM coverage?
- Can I cancel at any time?
- When should I remove my kid from my policy?
- Do I pay less if my vehicle is kept in my garage?
- What is glass protection for?
- Can I get by with minimal medical coverage if I have good health insurance?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.
Local neighborhood Fresno car insurance agents
Many people would rather have an agent’s advice and that is a smart decision One of the benefits of comparing insurance prices online is that you can find cheaper premium rates and still have an agent to talk to.
For easy comparison, once you complete this simple form, the coverage information is immediately sent to local insurance agents who will return price quotes to get your business. You never need to drive around as quotes are delivered instantly to you. Get lower rates without a big time investment. In the event you want to get a price quote from a specific auto insurance provider, you would need to jump over to their website and fill out their quote form.
Selecting an insurance company is decision based upon more than just a cheap quote. Here are some questions to ask:
- Is insurance their full-time profession?
- Do they assist clients in filing claims?
- Is the agent properly licensed in California?
- Does the agent recommend any additional coverage?
- Is the agency active in community causes in Fresno?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which company do they place the most coverage with?
- Do they specialize in personal lines auto insurance in Fresno?
When researching a good Fresno insurance agent, there are two different agency structures and how they operate. Insurance agencies in Fresno can be described as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents of this type can only place business with one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agencies are trained well on their company’s products which helps them compete with independent agents.
Shown below are Fresno exclusive insurance agencies that can give you comparison quotes.
Allstate Insurance: David Frisby
1625 E Shaw Ave #148 – Fresno, CA 93710 – (559) 224-2100 – View Map
Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766 – View Map
Wilson Wong – State Farm Insurance Agent
1341 W Bullard Ave #6 – Fresno, CA 93711 – (559) 438-0470 – View Map
Independent Agencies or Brokers
These type of agents are not required to write business for one company and that enables them to quote your coverage with a variety of different insurance companies and find you cheaper rates. If you want to switch companies, an independent agent can move your coverage which is easy for the insured.
If you are comparing rate quotes, you will definitely want to compare prices from at a minimum one independent agency to maximize your price options.
Shown below is a list of independent insurance agencies in Fresno willing to provide comparison quotes.
M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588 – View Map
Walter L. Clark and Associates, Inc.
7673 N Ingram Ave #103 – Fresno, CA 93711 – (559) 222-0300 – View Map
Dalena Benik and Associates Insurance
6740 N. West Street #108 – Fresno, CA 93711 – (559) 578-3022 – View Map
Best auto insurance in California
Picking the highest-rated car insurance provider can be challenging considering how many companies there are to choose from in Fresno. The ranking information shown below may help you analyze which car insurance companies you want to consider when looking for cheaper rates.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Fresno Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford