Nissan Titan Insurance Quotes in Jacksonville

Insurance for Nissan TitanIt takes a little time, but the best way to find the cheapest price for auto insurance rates is to compare prices at least once a year from providers in Jacksonville. Drivers can shop around by following these guidelines.

Step 1: It will benefit you to learn about auto insurance and the modifications you can make to drop your rates. Many rating criteria that result in higher prices like inattentive driving and an imperfect credit score can be amended by being financially responsible and driving safely. Later in this article we will cover additional tips to help prevent costly coverage and find discounts that may have been missed.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple companies.

Step 3: Compare the price quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.

The most important part of this process is to make sure you enter similar deductibles and liability limits on every quote request and and to get quotes from as many companies as possible. This guarantees the most accurate price comparison and many rates to choose from.

Unfortunately, almost 70% of drivers kept their coverage with the same auto insurance company for at least four years, and 38% of customers have never taken the time to shop around. With the average auto insurance premium being $2,200, Florida drivers can save as much as $1,126 each year by just shopping around, but they feel it’s too difficult to compare other rate quotes.

If you have a current car insurance policy, you will definitely be able to shop for the lowest rates using this strategy. Locating the best rates in Jacksonville is not that difficult. But Florida vehicle owners do need to understand the way companies compete online because rates fluctuate considerably.

When looking for cheaper Jacksonville car insurance quotes, there are a couple ways of comparing rates from different companies. The quickest method to compare rates is simply to get online rate quotes.

Doing price comparisons online is so simple that it makes it obsolete to waste gas driving to each insurance agency near you. Shopping for insurance online makes this unnecessary unless you require the guidance of a local agent. Although, it is possible find lower rates online and still use a local agent.

Just remember that making a lot of price comparisons increases the chance that you will find the best rates.

The auto insurance companies shown below have been selected to offer quotes in Florida. If multiple companies are listed, it’s highly recommended you get price quotes from several of them to get a more complete price comparison.

Nissan Titan insurance coverage information

The coverage information below showcases estimates of insurance prices for Nissan Titan models. Being able to understand how insurance premiums are formulated can help drivers make decisions on which insurance to purchase.

Nissan Titan Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $182 $314 $430 $26 $128 $1,080 $90
Titan XE King Cab 2WD $204 $314 $538 $32 $160 $1,248 $104
Titan XE Crew Cab 4WD $204 $314 $430 $26 $128 $1,102 $92
Titan SE King Cab 4WD $204 $314 $430 $26 $128 $1,102 $92
Titan XE Crew Cab 2WD $204 $314 $538 $32 $160 $1,248 $104
Titan SE King Cab 2WD $204 $314 $538 $32 $160 $1,248 $104
Titan SE Crew Cab 4WD $204 $370 $430 $26 $128 $1,158 $97
Titan Pro-4X King Cab 4WD $204 $370 $430 $26 $128 $1,158 $97
Titan SE Crew Cab 2WD $204 $370 $538 $32 $160 $1,304 $109
Titan Pro-4X Crew Cab 4WD $204 $370 $430 $26 $128 $1,158 $97
Titan LE Crew Cab 4WD $204 $370 $430 $26 $128 $1,158 $97
Titan LE Crew Cab 2WD $228 $370 $538 $32 $160 $1,328 $111
Get Your Own Custom Quote Go

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in vehicle location which can alter prices significantly.

An analysis of deductible level

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The following tables summarize the rate differences when you select higher and lower physical damage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Nissan Titan insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $358 $648 $418 $24 $124 $1,597 $133
Titan XE King Cab 2WD $406 $648 $522 $30 $156 $1,787 $149
Titan XE Crew Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Titan SE King Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Titan XE Crew Cab 2WD $406 $648 $522 $30 $156 $1,787 $149
Titan SE King Cab 2WD $406 $648 $522 $30 $156 $1,787 $149
Titan SE Crew Cab 4WD $406 $764 $418 $24 $124 $1,761 $147
Titan Pro-4X King Cab 4WD $406 $764 $418 $24 $124 $1,761 $147
Titan SE Crew Cab 2WD $406 $764 $522 $30 $156 $1,903 $159
Titan Pro-4X Crew Cab 4WD $406 $764 $418 $24 $124 $1,761 $147
Titan LE Crew Cab 4WD $406 $764 $418 $24 $124 $1,761 $147
Titan LE Crew Cab 2WD $452 $764 $522 $30 $156 $1,949 $162
Get Your Own Custom Quote Go

Nissan Titan insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $262 $438 $418 $24 $124 $1,266 $106
Titan XE King Cab 2WD $296 $438 $522 $30 $156 $1,442 $120
Titan XE Crew Cab 4WD $296 $438 $418 $24 $124 $1,300 $108
Titan SE King Cab 4WD $296 $438 $418 $24 $124 $1,300 $108
Titan XE Crew Cab 2WD $296 $438 $522 $30 $156 $1,442 $120
Titan SE King Cab 2WD $296 $438 $522 $30 $156 $1,442 $120
Titan SE Crew Cab 4WD $296 $516 $418 $24 $124 $1,378 $115
Titan Pro-4X King Cab 4WD $296 $516 $418 $24 $124 $1,378 $115
Titan SE Crew Cab 2WD $296 $516 $522 $30 $156 $1,520 $127
Titan Pro-4X Crew Cab 4WD $296 $516 $418 $24 $124 $1,378 $115
Titan LE Crew Cab 4WD $296 $516 $418 $24 $124 $1,378 $115
Titan LE Crew Cab 2WD $330 $516 $522 $30 $156 $1,554 $130
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can modify insurance rates substantially.

Based on this data, using a $100 deductible would cost the average driver about $30 more each month or $360 each year across all Nissan Titan models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 13 months between claim filings, you would probably be better off by going with a higher deductible. The table below illustrates an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $147
Average monthly premium for $500 deductibles (subtract): – $117
Monthly savings from raising deductible: $30
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The example below shows how different deductible levels and can affect Nissan Titan yearly insurance costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Car insurance cost for men versus women in Jacksonville

The illustration below illustrates the comparison of Nissan Titan auto insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Do you need full coverage?

The diagram below visualizes the comparison of Nissan Titan insurance prices with and without full coverage. The premiums are based on no violations or accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to drop comp and collision

There is no exact formula to exclude full coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Nissan Titan claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $7,000 after the policy deductible has been paid. If you are paying more than $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.

Protect your Nissan Titan and other assets

Despite the high cost of buying insurance for a Nissan Titan in Jacksonville, buying insurance may be required for several reasons.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it’s most likely the lender will make it a condition of the loan that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Nissan at a much higher rate and force you to pay for the expensive policy.

Third, insurance safeguards not only your Nissan but also your assets. It will also pay for hospital and medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.

The benefits of buying enough insurance definitely exceed the price paid, especially if you ever need it. The average driver in America overpays as much as $825 a year so you should quote your policy with other companies once a year at a minimum to save money.

Learn How to Find Auto Insurance for Less

Lots of factors are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving record, although others are more transparent like your continuous coverage or how safe your car is. When buying auto insurance it’s important to understand some of the factors that come into play when calculating the level of your policy premiums. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The itemized list below are some of the most common factors companies use to determine your rate level.

Premiums drop with age – Teenage drivers in Florida are statistically proven to get distracted easily when driving therefore auto insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents, and receive fewer citations.

The next chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Save money with alarms and GPS tracking – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Tickets mean higher rates – Your driving record has a huge affect on how much you pay. Only having one driving citation can increase the cost of insurance forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. People who have serious tickets like reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.

The illustration below shows how violations and at-fault claims drive up Nissan Titan yearly insurance costs for each age group. The premiums assume a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Do you need those add-on coverages? – Insurance companies have many extra add-on coverages that sound like a good idea at the time if you aren’t diligent. Coverage for things like roadside assistance, towing coverage, and extra equipment coverage are probably not needed. You may think they are a good idea when deciding what coverages you need, but if you have no use for them get rid of them and save.

Insurance losses for a Nissan Titan – Insurance companies include the past claim history for a vehicle when determining insurance rates. Models that the data determines to have higher prevalence or dollar amount of losses will have increased rates. The table shown below demonstrates the insurance loss data used by companies for Nissan Titan vehicles.

For each insurance policy coverage type, the claim probability for all vehicles combined as an average is represented as 100. Numbers that are below 100 mean the vehicle has better than average losses, while values that are 100 or greater indicate a higher chance of having a claim or an increased chance of a larger loss.

Nissan Titan Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Titan Crew Cab 2WD 95 127 120
Nissan Titan Crew Cab 4WD 95 137 109 77 99 108
Nissan Titan Ext Cab 2WD 117 111
Nissan Titan Ext Cab 4WD 106 107

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

In Summary

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

In this article, we covered many tips how you can shop for Nissan Titan insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding low cost Jacksonville car insurance quotes. Drivers may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Additional detailed information is located in the articles below: