Save Money on Nissan Armada Insurance in Jacksonville

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Sad but true, almost 70% of insureds in Florida kept buying from the same company for at least the last four years, and approximately 38% of consumers have never even compared rates from other companies. Many consumers in the U.S. could cut their rates by as much as $860 a year by just comparing rate quotes, but they just don't understand how much savings they would realize if they switched to a cheaper policy.

Discount Nissan Armada insuranceIf you want to save the most money, the best way to find better pricing on Nissan Armada insurance is to make a habit of comparing prices annually from companies in Jacksonville. Prices can be compared by following these steps.

  1. Try to comprehend policy coverages and the changes you can make to keep rates in check. Many rating criteria that result in higher rates like at-fault accidents, careless driving, and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes. Read the full article for more ideas to get affordable coverage and find missing discounts.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new rate quotes to your existing policy and determine if cheaper Armada coverage is available. If you find a lower rate quote, verify that coverage does not lapse between policies.

The key aspect of shopping around is to use similar limits and deductibles on every quote request and and to get price quotes from as many different companies as possible. Doing this provides a fair price comparison and a good representation of prices.

Get More Affordable Insurance Rates by Understanding These Factors

When buying car insurance it's important to understand some of the things that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can help you get much lower annual insurance costs. Lots of things are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although others are more obscure such as whether you are married or how safe your car is.

Pay more if you have a long commute - Having an address in smaller towns and rural areas of the country can be a good thing when insuring your vehicles. Urban drivers tend to have more road rage incidents and higher rates of accident claims. Fewer people corresponds to lower accident rates in addition to fewer liability claims.

No claims equals cheaper prices - If you frequently file small claims, you shouldn't be surprised to get either policy cancellation or increased premiums. Insurance companies in Florida give discounts to drivers who do not file claims often. Your insurance policy is intended for the large, substantial claims.

How's your driving record? - Your driving citation history has a huge affect on how much you pay. Drivers who don't get tickets pay less for auto insurance as compared to those with violations. Having just one ticket can increase the cost of insurance substantially. Drivers with serious violations like DUI or willful reckless driving might be required by their state to submit a SR-22 form with their state's department of motor vehicles in order to legally drive.

The information below demonstrates how speeding tickets and at-fault claims drive up Nissan Armada auto insurance costs for different age categories. The prices are based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Reduce prices by driving vehicles with better crash test results - Vehicles that have high safety ratings cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders. If your Nissan is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.

Cheaper car insurance rates using alarm systems - Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.

Drive less and get lower costs - Driving a lot of miles each year the higher your rates will be. A lot of insurance companies rate vehicles based on their usage. Cars and trucks not used for work or commuting qualify for better rates than cars that get driven a lot. An incorrectly rated Armada may be wasting your money. Verify your vehicle rating shows the correct usage.

Drive a fast car and pay more - The type of vehicle you are buying insurance for makes a huge difference in your rates. The cheapest rates are usually found on lower performance four cylinder passenger models, but the final cost of insurance is determined by many other factors.

The following data assumes a married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows Nissan Armada rates compared to other models of vehicles that have a range of performances.

Always keep your car insurance policy in place - Going without insurance is a fast way to increase your renewal premiums. In addition to paying higher premiums, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.

Nissan Armada claim probability - Companies factor in insurance loss information to help determine the price you pay. Vehicles that statistically have higher loss trends will cost more to insure. The next table illustrates the actual insurance loss data for Nissan Armada vehicles.

For each insurance policy coverage type, the claim probability for all vehicles compiled together is a value of 100. Values that are under 100 indicate better than average losses, while percentages above 100 indicate higher probability of having a loss or larger claims.

Nissan Armada Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Armada 4dr 2WD 94 104 93 106 87
Nissan Armada 4dr 4WD 123 120 109 91 69
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years

Car insurance statistics for a Nissan Armada

The price information shown next outlines a range of insurance policy prices for Nissan Armada models. Having a better understanding of how insurance quotes are calculated can be valuable when making decisions on which insurance to purchase.

Nissan Armada Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Armada SE 2WD $204 $314 $366 $22 $110 $1,016 $85
Armada SE 4WD $204 $370 $366 $22 $110 $1,072 $89
Armada Titanium 2WD $204 $370 $366 $22 $110 $1,072 $89
Armada Titanium 4WD $204 $370 $366 $22 $110 $1,072 $89
Armada Platinum 2WD $204 $370 $366 $22 $110 $1,072 $89
Armada Platinum 4WD $228 $370 $366 $22 $110 $1,096 $91
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in zip code location which can influence auto insurance rates significantly.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is how low should you set your deductibles. The comparisons below may help to illustrate how much more you'll pay when you select higher and lower insurance deductibles. The first table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Nissan Armada insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Armada SE 2WD $406 $648 $354 $20 $106 $1,559 $130
Armada SE 4WD $406 $764 $354 $20 $106 $1,675 $140
Armada Titanium 2WD $406 $764 $354 $20 $106 $1,675 $140
Armada Titanium 4WD $406 $764 $354 $20 $106 $1,675 $140
Armada Platinum 2WD $406 $764 $354 $20 $106 $1,675 $140
Armada Platinum 4WD $452 $764 $354 $20 $106 $1,721 $143
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Nissan Armada insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Armada SE 2WD $296 $438 $354 $20 $106 $1,214 $101
Armada SE 4WD $296 $516 $354 $20 $106 $1,292 $108
Armada Titanium 2WD $296 $516 $354 $20 $106 $1,292 $108
Armada Titanium 4WD $296 $516 $354 $20 $106 $1,292 $108
Armada Platinum 2WD $296 $516 $354 $20 $106 $1,292 $108
Armada Platinum 4WD $330 $516 $354 $20 $106 $1,326 $111
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in specific garaging location which can influence coverage rates substantially.

We can derive from the above data that using a $100 deductible will cost you approximately $32 more each month or $384 every year averaged for all Armada models than selecting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Rate comparison of full coverage and liability-only

The example below illustrates the difference between Nissan Armada insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no violations or claims, $1,000 deductibles, single status, and no discounts are applied.

Should you pay for full coverage?

There isn't a steadfast formula of when to drop full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Nissan Armada replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after you pay the deductible. If you are currently paying more than $400 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few situations where only buying liability is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Car insurance discounts are available to lower rates

Not many people think insurance is cheap, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but occasionally some discounts must be manually applied before you get the savings.Car insurance discounts

  • Cautious Drivers - Drivers without accidents can pay as much as 50% less than less cautious drivers.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Discounts for Federal Employees - Having worked for a branch of the government could cut as much as 10% off but check with your company.
  • Distant Student - Kids who attend college more than 100 miles from Jacksonville and do not have a car may be insured at a cheaper rate.
  • Discount for Life Insurance - If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.

One thing to note about discounts is that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will lower the cost of your policy.

The illustration below visualizes the comparison of Nissan Armada insurance premiums with and without discounts being applied to the rates. The information is based on a female driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, claim-free, and safe-driver discounts applied.

Companies and a summarized list of policyholder discounts can be read below.

  • State Farm has discounts for passive restraint, anti-theft, accident-free, student away at school, driver's education, and multiple policy.
  • GEICO has savings for federal employee, emergency military deployment, daytime running lights, driver training, seat belt use, air bags, and five-year accident-free.
  • SAFECO includes discounts for homeowner, bundle discounts, accident prevention training, anti-lock brakes, and teen safe driver.
  • Farmers Insurance may offer discounts for teen driver, business and professional, youthful driver, switch companies, multi-car, pay in full, and early shopping.
  • AAA offers discounts including AAA membership discount, good driver, multi-car, multi-policy, education and occupation, and good student.
  • USAA discounts include military installation, multi-vehicle, new vehicle, safe driver, and family discount.

Double check with all the companies how many discounts you can get. Some discounts listed above might not be offered on policies in Jacksonville.

One last note

Lower-priced Nissan Armada insurance in Jacksonville is definitely available on the web and with local Jacksonville insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide rates over the internet and these regional insurance providers prefer to sell through independent agents.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In many instances, an accident victim reduced liability limits or collision coverage only to regret that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

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