Want to know how to find more competitive Nissan Xterra insurance in Indianapolis? Overpriced Nissan Xterra insurance in Indianapolis can drain your monthly budget and force you to cut corners elsewhere.

Insurance rates Nissan Xterra in IndianapolisAmazingly, about 70% of customers have bought auto insurance from the same company for at least the last four years, and nearly half have never compared rates with other companies. Consumers in Indiana can save 55% each year just by shopping around, but they just don't understand how much they could save if they moved their coverage to a different company.

You have multiple insurers to insure vehicles with, and though it is a good thing to have multiple companies, having more insurers makes it harder to find the lowest cost provider for Nissan Xterra insurance in Indianapolis.

Comparison shopping for more affordable policy in Indianapolis is not as hard as you may think. Essentially each driver who carries insurance stands a good chance to find a cheaper policy. Although Indiana vehicle owners benefit from understanding how the larger insurance companies sell insurance online and use this information to your advantage.

The easiest way to compare insurance rates in your area is to realize car insurance companies participate in a system to give rate comparisons. All you need to do is provide details such as if a SR-22 is required, what you do for a living, how much coverage you want, and if you are currently licensed. Those rating factors is instantly provided to many highly-rated insurers and you will receive price estimates almost instantly.

To check car insurance prices now, click here and find out if you can get cheaper insurance in Indianapolis.

The providers in the list below are our best choices to provide free rate quotes in Indianapolis, IN. If multiple providers are shown, we recommend you visit as many as you can in order to find the cheapest rates.

Nissan Xterra Insurance Price Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $162 $230 $318 $18 $94 $822 $69
Xterra S 2WD $100 $146 $294 $18 $88 $646 $54
Xterra S 4WD $184 $230 $286 $16 $86 $802 $67
Xterra X 4WD $140 $174 $290 $18 $86 $708 $59
Xterra Off Road 4WD $242 $358 $280 $16 $84 $980 $82
Xterra SE 2WD $172 $238 $286 $16 $86 $798 $67
Xterra SE 4WD $148 $232 $380 $22 $114 $896 $75
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in specific garaging location which can affect coverage prices greatly.

Deductible analysis

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates shown below can help illustrate the cost difference between low and high comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Nissan Xterra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $188 $236 $280 $16 $84 $829 $69
Xterra S 2WD $188 $236 $280 $16 $84 $829 $69
Xterra S 4WD $188 $236 $280 $16 $84 $829 $69
Xterra X 4WD $188 $236 $280 $16 $84 $829 $69
Xterra Off Road 4WD $216 $300 $280 $16 $84 $921 $77
Xterra SE 2WD $216 $300 $280 $16 $84 $921 $77
Xterra SE 4WD $216 $300 $280 $16 $84 $921 $77
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Nissan Xterra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $116 $148 $280 $16 $84 $644 $54
Xterra S 2WD $116 $148 $280 $16 $84 $644 $54
Xterra S 4WD $116 $148 $280 $16 $84 $644 $54
Xterra X 4WD $116 $148 $280 $16 $84 $644 $54
Xterra Off Road 4WD $134 $188 $280 $16 $84 $702 $59
Xterra SE 2WD $134 $188 $280 $16 $84 $702 $59
Xterra SE 4WD $134 $188 $280 $16 $84 $702 $59
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $16 more each month or $192 annually than selecting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 47 months between claim filings, you would more than likely save some money if you choose a higher deductible. The table below illustrates how this calculation is made.

Average monthly premium for $250 deductibles: $72
Average monthly premium for $1,000 deductibles (subtract): - $56
Monthly savings from raising deductible: $16
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 47 months

An important thing to remember is that a higher deductible level means you pay more out-of-pocket when you have a claim. That will force you to have enough disposable income in the event you have to pay the higher deductible.

Nissan Xterra insurance rates by age and gender

The illustration below illustrates the difference between Nissan Xterra insurance rates for male and female drivers. The rate quotes are based on no claims or driving citations, full physical damage coverage, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Drive responsibly or pay higher rates

The diagram below illustrates how speeding tickets and at-fault claims drive up Nissan Xterra insurance rates for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Buying from auto insurance agents

A small number of people still like to buy from a local agent and that is not a bad decision A nice benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have a local agent. Buying from small agencies is important especially in Indianapolis.

To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to insurance agents in Indianapolis who will give you quotes for your insurance coverage. There is no need to find an agent as quotes are delivered to you instantly. Get lower rates without requiring a lot of work. If for some reason you want to compare rates from a specific insurance company, don't hesitate to find their quoting web page and fill out their quote form.

Compare rates from both independent and exclusive auto insurance agents

If you're trying to find an insurance agent, there are a couple of different types of agencies and how they can quote your rates. Indianapolis agents are classified as either independent or exclusive depending on the company they work for.

Independent Agents

Independent agencies do not have single company limitations so as a result can place your coverage with any number of different companies and find you cheaper rates. To transfer your coverage to a different company, they simply switch companies in-house and you don't have to switch agencies. When comparing auto insurance prices, you need to include independent agents for maximum quote selection.

Below are Indianapolis independent agents that may be able to give comparison quotes.

8604 Allisonville Rd #210 - Indianapolis, IN 46250 - (317) 841-6004 - View Map

2107 W Washington St - Indianapolis, IN 46222 - (317) 687-8807 - View Map

1402 N Capitol Ave #400 - Indianapolis, IN 46202 - (317) 634-7491 - View Map

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Exclusive Agents

Exclusive agents can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. They usually cannot compare rates from other companies so you might not find the best rates. They receive extensive training on their company's products which helps them sell on service rather than price.

Below are Indianapolis exclusive agencies that are able to give rate quotes.

11204 Fall Creek Rd - Indianapolis, IN 46256 - (317) 849-9996 - View Map

5685 Lafayette Rd #700 - Indianapolis, IN 46254 - (317) 387-9182 - View Map

7424 Rockville Rd - Indianapolis, IN 46214 - (317) 273-0709 - View Map

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Picking the best insurance agency requires more thought than just a cheap price quote. Here are some questions to ask: