Car Insurance Rate Quotes for a Nissan Xterra in San Francisco

Statistics show that the vast majority of car insurance customers have purchased from the same company for four years or more, and about 40% of consumers have never shopped around. California drivers can cut their rates by as much as $469 a year just by getting comparison quotes, but they don’t want to take the time to save money by comparing rate quotes.

Discount Nissan Xterra insuranceIt takes a little time, but the best way to find discount car insurance rates in San Francisco is to compare quotes annually from companies that sell auto insurance in California. You can compare rates by following these steps.

An essential thing to point out is to try to use identical limits and deductibles on each price quote and and to get rates from as many different insurance providers as possible. This guarantees the most accurate price comparison and maximum price selection.

Companies offer many discounts on Nissan Xterra insurance in San Francisco

The price of auto insurance can be rather high, but there could be significant discounts to help bring down the price. Some discounts will apply when you complete an application, but occasionally some discounts must be specially asked for prior to receiving the credit.Save money with discounts

It’s important to understand that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

The diagram below compares Nissan Xterra insurance costs with and without discounts applied to the rates. The data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, safe-driver, and marriage discounts applied.

Insurance companies that may offer policyholders many of the previously listed discounts include:

Before you buy a policy, ask all the companies which discounts they offer. Some discounts might not apply in San Francisco.

The method we recommend to get rate comparisons for Nissan Xterra insurance in San Francisco is to know most insurance companies will pay a fee to provide you with free rate quotes. To begin a comparison, all you need to do is provide information like whether you have decent credit, the type of vehicles you drive, how many miles driven, and if you have an active license. Your details is instantly provided to multiple companies and they return rate quotes instantly.

To start a quote now, click here and enter the information requested.

The companies shown below provide free quotes in California. If multiple providers are shown, we recommend you visit as many as you can to find the lowest auto insurance rates.

Nissan Xterra detailed coverage information

The rate table below highlights estimates of insurance prices for Nissan Xterra models. Having a good grasp of how insurance rates are figured is important to be able to make smart choices when purchasing an auto insurance policy.

Nissan Xterra Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $158 $228 $464 $28 $138 $1,016 $85
Xterra S 2WD $158 $228 $464 $28 $138 $1,016 $85
Xterra S 4WD $158 $228 $464 $28 $138 $1,016 $85
Xterra X 4WD $158 $228 $464 $28 $138 $1,016 $85
Xterra Off Road 4WD $182 $292 $464 $28 $138 $1,104 $92
Xterra SE 2WD $182 $292 $464 $28 $138 $1,104 $92
Xterra SE 4WD $182 $292 $464 $28 $138 $1,104 $92
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific garaging location which can change coverage rates considerably.

Driving violations and accidents

The chart below demonstrates how speeding tickets and at-fault collisions can increase Nissan Xterra insurance premiums for different insured age categories. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

When to get professional advice

When quoting and comparing insurance from an agent or online for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.Drive safe and save

For example, these questions may help you determine if your insurance needs will benefit from professional help.

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance agents near you

Many drivers still like to sit down with an agent and that is OK! One of the benefits of comparing insurance prices online is you can get better rates and also buy local.

Insurance agents in San FranciscoOnce you complete this form (opens in new window), the quote information is sent to local insurance agents in San Francisco who will give you bids for your auto insurance coverage. You never need to leave your house because quoted prices will be sent immediately to your email address. You can most likely find cheaper rates AND an agent nearby. In the event you want to get a comparison quote from one company in particular, you would need to navigate to their website to submit a rate quote request.

Selecting an provider needs to be determined by more than just the premium amount. The questions below may impact your decision as well.

If you want to buy auto insurance from a local San Francisco insurance agency, it can be helpful to understand the different types of agents and how they differ in how they quote coverages. Auto insurance agents in San Francisco may be either exclusive or independent (non-exclusive).

Exclusive Insurance Agents

These type of agents normally can only provide a single company’s rates and examples are American Family, State Farm, and Allstate. These agents are not able to provide prices from multiple companies so they really need to provide good service. Exclusive agents are well trained in insurance sales which helps overcome the inability to quote other rates.

Below are exclusive agencies in San Francisco that are able to give comparison quotes.

1536 20th StSan Francisco, CA 94107(415) 648-1155View Map

821 Folsom St #101San Francisco, CA 94107(415) 982-9033View Map

399 Cortland AveSan Francisco, CA 94110(415) 821-3600View Map

More insurance agents

Independent Agents

These type of agents do not sell for just one brand and that allows them to write policies amongst many companies and find the cheapest auto insurance rates. If your premiums go up, they simply switch companies in-house which requires no work on your part. If you are comparing rate quotes, it’s recommended you get rate quotes from multiple independent agents to maximize your price options.

Below is a short list of independent agents in San Francisco willing to provide comparison quotes.

Primeras Insurance Agency
3339 23rd StSan Francisco, CA 94108(415) 829-7312View Map

1641 Taraval StSan Francisco, CA 94116(415) 665-7400View Map

1714 Stockton St #417San Francisco, CA 94133(415) 753-1936View Map

More insurance agents

If you get good responses and a good coverage price, you’ve probably found an auto insurance agent that meets your needs to provide auto insurance coverage.

Persistence is the key to cheaper rates

In this article, we covered a lot of tips how to reduce Nissan Xterra insurance car insurance rates online in San Francisco. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding the cheapest Nissan Xterra rate quotes. Consumers could even find that the lowest priced insurance comes from the least-expected company.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Drivers who switch companies do it for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, high prices or high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance company can be pretty painless.

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