Unbelievably, about 70% of customers have purchased from the same company for a minimum of four years, and virtually 40% of consumers have never shopped around. With the average premium in Massachusetts being $1,400, drivers can save hundreds of dollars each year, but they just assume it takes a lot of time to save money by comparing rate quotes.
If you want to save money, the best way to get discount Nissan Xterra insurance in Boston is to regularly compare price quotes from insurance carriers that sell auto insurance in Massachusetts.
First, take a few minutes and learn about coverages and the things you can change to prevent expensive coverage. Many things that are responsible for high rates such as accidents, traffic tickets, and a not-so-good credit rating can be rectified by improving your driving habits or financial responsibility. Continue reading for more details to get better rates and find more discounts that you may not know about.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can quote prices from multiple companies.
Third, compare the new rates to your existing coverage to see if a cheaper rate is available in Boston. If you find a lower rate quote, make sure there is no lapse in coverage.
A tip to remember is to try to compare the same deductibles and limits on every quote request and to quote with every company you can. Doing this enables a level playing field and maximum price selection.
Companies offering Nissan Xterra insurance in Massachusetts
The providers in the list below are ready to provide quotes in Boston, MA. If you wish to find the cheapest auto insurance in Boston, MA, we suggest you visit as many as you can in order to get a fair rate comparison.
Analysis of Nissan Xterra rates
The premium table displayed below highlights estimates of policy rates for Nissan Xterra models. Having a good understanding how insurance policy premiums are formulated can help guide drivers when making decisions when shopping around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Xterra X 2WD||$244||$328||$340||$20||$102||$1,034||$86|
|Xterra S 2WD||$244||$328||$340||$20||$102||$1,034||$86|
|Xterra S 4WD||$244||$328||$340||$20||$102||$1,034||$86|
|Xterra X 4WD||$244||$328||$340||$20||$102||$1,034||$86|
|Xterra Off Road 4WD||$278||$418||$340||$20||$102||$1,158||$97|
|Xterra SE 2WD||$278||$418||$340||$20||$102||$1,158||$97|
|Xterra SE 4WD||$278||$418||$340||$20||$102||$1,158||$97|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in specific garaging location which can raise or lower premium rates substantially.
Illustration showing the impact of accidents and violations
The illustration below shows how speeding tickets and fender-benders influence Nissan Xterra insurance prices for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Comparison of car insurance rates by gender and age in Boston
The information below illustrates the comparison of Nissan Xterra auto insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single status, and no other discounts are factored in.
Decisions You Make Can Impact Your Insurance Premiums
It’s important that you understand some of the things that help calculate car insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can earn you lower car insurance prices.
Don’t skimp on liability coverage – Liability insurance is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so do not cut corners here.
Costs impacted by vehicle usage – Driving a lot of miles annually the higher your rates will be. Many insurance companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates than cars that get driven a lot. It’s always a good idea to double check that your declarations sheet reflects the proper vehicle usage. Improper usage on your Xterra may be costing you.
Tough occupation may mean higher prices – Occupations such as fire fighters, executives, and accountants usually pay the highest rates in part from intense work-related stress and lots of time spent at work. On the other hand, professions such as professors, athletes and performers have the lowest average rates.
More policies can equal more savings – Most major insurance companies apply discounts to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find lower rates by splitting coverages up.
Low deductibles can be expensive – Physical damage protection, also called comprehensive and collision insurance, insures against damage to your Nissan. A few examples of covered claims are a windshield shattered by a rock, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles represent how much money you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount you’re willing to pay, the lower your rates will be.
Vehicles with better crash test results cost less to insure – Safe vehicles get lower rates. Safe vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts which can mean better rates for you. If the Nissan Xterra is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
High credit scores save money – Your credit score factor in calculating your premium rate. So if your credit history is low, you could save money insuring your Nissan Xterra if you clean up your credit. Drivers with excellent credit tend to be more responsible and file fewer claims than those with lower ratings.
Nissan Xterra insurance loss data – Insurers use data from past claims when setting rates for each model. Vehicles that historically have higher claim amounts or frequency will cost more for specific coverages.
The next table illustrates the loss history for Nissan Xterra vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, is considered to be 100. Percentage values below 100 imply a favorable loss record, while numbers that are greater than 100 indicate more frequent claims or a tendency for claims to be larger.
|Specific Nissan 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Determine discounts to get cheap Boston car insurance rates
Car insurance is not cheap, but there are discounts available that can help lower your rates. A few discounts will automatically apply at the time of purchase, but once in a while a discount must be manually applied prior to receiving the credit.
- No Claims – Insureds with no claims or accidents have much lower rates when compared with bad drivers.
- Discount for Home Ownership – Just owning your own home can get you a discount because of the fact that having a home requires a higher level of personal finance.
- Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
- Senior Citizen Rates – Drivers over the age of 55 could receive lower premium rates.
- Safe Driver Discounts – Insureds without accidents can pay as much as 50% less than less cautious drivers.
- Low Mileage – Driving less can qualify you for lower premium rates due to less chance of an accident.
- Early Switch Discount – A few companies offer discounts for buying a new policy before your current Xterra insurance policy expires. It’s a savings of about 10%.
- Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
- Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle with the same company can reduce rates for all insured vehicles.
We need to note that many deductions do not apply to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, it just doesn’t work that way.
The information below illustrates the difference between Nissan Xterra insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, a clean driving record, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, multi-car, and homeowner discounts applied.
Larger car insurance companies and some of their more popular discounts can be read below.
- Progressive has discounts for homeowner, multi-vehicle, online quote discount, multi-policy, good student, continuous coverage, and online signing.
- GEICO policyholders can earn discounts including military active duty, emergency military deployment, daytime running lights, air bags, and membership and employees.
- State Farm may include discounts for passive restraint, Drive Safe & Save, anti-theft, good student, student away at school, and safe vehicle.
- Esurance offers discounts including online shopper, online quote, anti-lock brakes, DriveSense, homeowner, and anti-theft.
- The Hartford may have discounts that include driver training, air bag, anti-theft, bundle, defensive driver, and good student.
If you need the cheapest Nissan Xterra rate quotes, ask each company or agent to give you their best rates. Discounts might not be offered in Boston.
Get rate quotes but still have a local Boston insurance agency
Some people still prefer to visit with an insurance agent and that is a personal choice. Most agents can help you choose the best coverages and give you someone to call. The best thing about comparing rate quotes online is you may find the best rates and still buy from a local agent. And providing support for local insurance agencies is especially important in Boston.
After filling out this form (opens in new window), your information gets sent to companies in Boston that can give you free Boston auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies because prices are sent to the email address you provide. In the event you want to quote rates from a particular provider, just visit that company’s website and submit a quote form there.
If you need to find a reliable agent, you must know there are a couple types of agencies and how they differ in how they can insure your vehicles. Insurance agencies are considered either independent or exclusive. Either one can sell affordable insurance policies, but it’s important to point out the subtle differences since it may influence buying decisions.
Independent Agents (or Brokers)
Agents in the independent channel can quote rates with many companies so they have the ability to put coverage with a variety of different insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier which is easy for the insured.
When comparing insurance prices, you should always get rate quotes from independent agents for maximum quote selection. Many write coverage with mutual insurance companies which may provide better rates.
Shown below is a list of independent agents in Boston who can help you get cheap rate quotes.
- K D Hicks Insurance
4 Copley Pl #120 – Boston, MA 02116 – (617) 442-1300 – View Map
- Pilgrim Insurance Co
695 Atlantic Ave – Boston, MA 02111 – (617) 956-6000 – View Map
- Security Insurance Agency, Inc
313 Washington St – Brookline, MA 02445 – (617) 739-2886 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents are well trained on sales techniques and that can be a competitive advantage. Some consumers prefer to choose to use an exclusive agent mostly because of high brand loyalty instead of buying on price only.
The following is a list of exclusive agents in Boston willing to provide rate quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Finding the right auto insurance agent is decision based upon more than just a low price. Here are some questions you should ask.
- Did they already check your driving record and credit reports?
- Does the agent recommend any additional coverage?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is auto insurance their primary focus in Boston?
- Do they offer accident forgiveness?
You may need specialized insurance coverage
When quoting and choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your situation is unique.
For example, these questions might help in determining if your situation would benefit from professional advice.
- What does medical payments coverage do?
- Should I buy more coverage than the required Massachusetts minimum liability coverage?
- What is glass protection for?
- Are rock-chip repairs free?
- Do I have coverage for damage caused while driving under the influence?
- What if a claim settlement is too low?
- What if I total my Nissan Xterra and owe more than it’s worth?
- How much coverage applies to personal belongings?
- Why do I have to buy liability insurance?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
More effort can pay off
Affordable Nissan Xterra insurance in Boston is definitely available both online and also from your neighborhood Boston agents, so you should compare both to have the best rate selection. A few companies do not provide online rate quotes and usually these smaller providers only sell coverage through independent agencies.
As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage for the lowest price, but do not skimp to save money.
Throughout this article, we presented a lot of ways to shop for Nissan Xterra insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company.
To read more, take a look at the articles below:
- Older Drivers FAQ (iihs.org)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Jeep Wrangler in Boston? (FAQ)
- Who Has Cheap Car Insurance Quotes for Inexperienced Drivers in Boston? (FAQ)
- What Car Insurance is Cheapest for Nurses in Boston? (FAQ)
- What Car Insurance is Cheapest for Veterans in Boston? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)