Do you want an efficient way to compare more competitive Nissan Titan insurance in Durham? Wish you could get a refund on an under-performing, overpriced auto insurance policy? Say no more because you’re not alone.
Statistics show that the vast majority of drivers have stayed with the same insurance company for over three years, and nearly the majority have never taken the time to shop around. North Carolina consumers could save roughly 10% a year just by getting comparison quotes, but most undervalue how much savings they would realize if they bought a different policy.
With vehicle owners having so many auto insurance companies to choose from, it is very difficult to locate the right insurer.
You should make it a habit to quote other rates every six months because insurance prices change regularly. Just because you found the best deal on Nissan Titan insurance in Durham at your last renewal you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to find the best coverage while lowering your premiums.
Durham Insurance Prices are Influenced by These Factors
Many things are part of the calculation when you quote your car insurance policy. Some factors are common sense like your driving record, but others are more obscure like your continuous coverage or your commute time. One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that play a part in calculating the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that can earn you lower premium levels.
The items below are some of the most common factors car insurance companies consider when setting premiums.
- Drivers with excellent credit save on car insurance – Credit rating can be a huge factor in your rate calculation. Insureds that have good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit history could use some work, you may save money insuring your Nissan Titan by repairing your credit.
High performance vehicles cost more to insure – The performance level of the vehicle you need insurance for makes a big difference in the rate you pay. Lower cost passenger vehicles usually have the lowest rates, but other factors influence the final cost greatly.
The data below is based on a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Nissan Titan insurance premiums compared to other models that have a range of performances.
- Occupation reflects on rates – Careers like doctors, police officers, and financial analysts usually pay the highest rates in part from intense work-related stress and long work days. Other jobs such as actors, engineers and homemakers have lower than average premiums.
- Maintain car insurance coverage – Letting your insurance expire will be a quick way to drive up your policy premiums. Not only will rates go up, being ticketed for driving with no insurance could result in a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the North Carolina department of motor vehicles.
- High insurance claims frequency drives up premiums – If you file a lot of claims don’t be surprised to see either a policy non-renewal or much higher rates. Companies in North Carolina provide discounts to drivers who are claim-free. Your car insurance is intended to be relied upon for the large, substantial claims.
Rates for men may be higher – Statistics have proven that women are safer drivers than men. It does not mean women are better drivers. Females and males cause at-fault accidents at a similar rate, but the men tend to have higher claims. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).
The diagram below illustrates the comparison of Nissan Titan car insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are factored in.
- Qualify for multi-policy discounts – Most insurers will award discounts to customers that have more than one policy. It’s known as a multi-policy discount. The discount can be as much as ten percent or more Even though this discount sounds good, you may still want to get quotes from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can save money even if you have your coverage with different companies
- Your spouse saves you money – Getting married can get you a discount when shopping for car insurance. Having a spouse generally demonstrates drivers are more mature and responsible and statistics show married drivers tend to file fewer claims.
Claims statistics for a Nissan Titan – Insurers use data from past claims to calculate a rate that will offset losses. Vehicles that the data shows to have increased losses will have higher rates.
The data below shows the loss history for Nissan Titan vehicles. For each policy coverage type, the claim amount for all vehicles, without regard to make or model, equals 100. Numbers that are below 100 indicate a favorable loss history, while values that are 100 or greater show a trend for more claims or an increased probability of a larger loss.
Nissan Titan Insurance Claim Statistics 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 107BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How to compare free Durham Nissan Titan insurance price quotes
Most of the larger companies like GEICO, State Farm and Progressive give insurance quotes online. Doing online price comparisons for Nissan Titan insurance in Durham doesn’t take much effort because it’s just a matter of typing in the coverages you want as detailed in the form. When complete, their rating system collects credit information and your driving record and provides a quote based on many factors. This helps simplify price comparisons, and it is important to have as many quotes as possible if you want to find a lower rate.
To find out how much you’re overpaying now, compare quotes from the companies shown below. If you currently have coverage, we recommend you copy the insurance coverages as close as possible to your current policy. Doing this assures you will receive a price comparison for exact coverage.
The companies shown below are ready to provide comparison quotes in North Carolina. To locate the best car insurance in North Carolina, we recommend you visit two to three different companies to get a more complete price comparison.
Nissan Titan insurance statistics and information
The premium information shown next highlights estimates of coverage prices for Nissan Titan models. Learning more about how insurance policy rates are calculated can assist in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$188||$372||$302||$18||$90||$970||$81|
|Titan XE King Cab 2WD||$212||$372||$376||$22||$112||$1,094||$91|
|Titan XE Crew Cab 4WD||$212||$372||$302||$18||$90||$994||$83|
|Titan SE King Cab 4WD||$212||$372||$302||$18||$90||$994||$83|
|Titan XE Crew Cab 2WD||$212||$372||$376||$22||$112||$1,094||$91|
|Titan SE King Cab 2WD||$212||$372||$376||$22||$112||$1,094||$91|
|Titan SE Crew Cab 4WD||$212||$440||$302||$18||$90||$1,062||$89|
|Titan Pro-4X King Cab 4WD||$212||$440||$302||$18||$90||$1,062||$89|
|Titan SE Crew Cab 2WD||$212||$440||$376||$22||$112||$1,162||$97|
|Titan Pro-4X Crew Cab 4WD||$212||$440||$302||$18||$90||$1,062||$89|
|Titan LE Crew Cab 4WD||$212||$440||$302||$18||$90||$1,062||$89|
|Titan LE Crew Cab 2WD||$238||$440||$376||$22||$112||$1,188||$99|
|Get Your Own Custom Quote Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in Durham location which can decrease or increase coverage prices considerably.
Policy deductible comparison
One frequently asked question is which deductible level should you buy. The tables below can help you visualize the differences in premium rates of buying low and high physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$192||$324||$250||$14||$74||$879||$73|
|Titan XE King Cab 2WD||$218||$324||$312||$18||$94||$991||$83|
|Titan XE Crew Cab 4WD||$218||$324||$250||$14||$74||$905||$75|
|Titan SE King Cab 4WD||$218||$324||$250||$14||$74||$905||$75|
|Titan XE Crew Cab 2WD||$218||$324||$312||$18||$94||$991||$83|
|Titan SE King Cab 2WD||$218||$324||$312||$18||$94||$991||$83|
|Titan SE Crew Cab 4WD||$218||$382||$250||$14||$74||$963||$80|
|Titan Pro-4X King Cab 4WD||$218||$382||$250||$14||$74||$963||$80|
|Titan SE Crew Cab 2WD||$218||$382||$312||$18||$94||$1,049||$87|
|Titan Pro-4X Crew Cab 4WD||$218||$382||$250||$14||$74||$963||$80|
|Titan LE Crew Cab 4WD||$218||$382||$250||$14||$74||$963||$80|
|Titan LE Crew Cab 2WD||$242||$382||$312||$18||$94||$1,073||$89|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$156||$262||$250||$14||$74||$756||$63|
|Titan XE King Cab 2WD||$176||$262||$312||$18||$94||$862||$72|
|Titan XE Crew Cab 4WD||$176||$262||$250||$14||$74||$776||$65|
|Titan SE King Cab 4WD||$176||$262||$250||$14||$74||$776||$65|
|Titan XE Crew Cab 2WD||$176||$262||$312||$18||$94||$862||$72|
|Titan SE King Cab 2WD||$176||$262||$312||$18||$94||$862||$72|
|Titan SE Crew Cab 4WD||$176||$308||$250||$14||$74||$822||$69|
|Titan Pro-4X King Cab 4WD||$176||$308||$250||$14||$74||$822||$69|
|Titan SE Crew Cab 2WD||$176||$308||$312||$18||$94||$908||$76|
|Titan Pro-4X Crew Cab 4WD||$176||$308||$250||$14||$74||$822||$69|
|Titan LE Crew Cab 4WD||$176||$308||$250||$14||$74||$822||$69|
|Titan LE Crew Cab 2WD||$196||$308||$312||$18||$94||$928||$77|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can change insurance rates considerably.
Based on the data above, we can derive that using a $250 deductible costs an average of $11 more each month or $132 every year than choosing the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 23 months between claims, you would come out ahead if you choose a higher deductible.
The diagram below demonstrates how deductibles and can raise or lower Nissan Titan insurance prices for different age categories. The premiums are based on a single male driver, comp and collision included, and no discounts are taken into consideration.
Insurance rate increases from tickets or accidents
The chart below illustrates how violations and at-fault collisions can impact Nissan Titan premium costs for different age groups. The data is based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.
Cost difference between full coverage and liability
The information below visualizes the comparison of Nissan Titan insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents or driving violations, $250 deductibles, single marital status, and no additional discounts are factored in.
When to buy liability coverage only
There is no definitive formula of when to phase out comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Nissan Titan settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are currently paying more than $600 annually for physical damage coverage, then you might want to think about dropping full coverage.
There are some situations where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Three reasons to not skimp on insurance
Despite the fact that insurance is not cheap in Durham, paying for insurance is required for several reasons.
- Almost all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability protection in order to be legal. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Titan, most lenders will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Nissan for a much higher rate and make you pay the higher premium.
- Insurance protects not only your car but also your financial assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays as much as $869 every year so compare rate quotes once a year at a minimum to make sure the price is not too high.
Cut your car insurance rates with discounts
Auto insurance companies don’t always publicize every policy discount very well, so the list below details a few of the more well known and the harder-to-find discounts that you may qualify for. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.
- Braking Control Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
- Military Deployment Discount – Being deployed in the military could qualify you for better car insurance rates.
- Durham Homeowners Discount – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
- Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident without getting socked with a rate hike if you have no claims for a certain period of time.
- Driver Safety – Passing a defensive driving course is a good idea and can lower rates and also improve your driving technique.
- Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease depending on your company.
- Student in College – Older children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
- Sign Online – Some larger companies give back up to $50 for buying a policy and signing up online.
- Sign Early and Save – A few larger companies allow discounts for renewing your policy before your current Titan insurance policy expires. Ten percent is about the average savings.
- Policy Bundle Discount – When you combine your auto and homeowners insurance with one insurance company you will save at least 10% off all policies.
Policy discounts save money, but most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
The diagram below illustrates the comparison of Nissan Titan auto insurance costs with and without discounts applied to the rates. Data assumes a male driver, no claims, a clean driving record, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.
Car insurance companies that may offer policyholders some of the above discounts include:
Check with every company which discounts you qualify for. Savings may not apply in Durham. If you would like to see a list of insurance companies offering car insurance discounts in North Carolina, click here to view.
Insurance agent or online?
Certain consumers just prefer to have an agent’s advice. A good thing about comparing car insurance online is that you can find cheap car insurance quotes but still work with a licensed agent. And providing support for local agents is especially important in Durham.
To find an agent, once you fill out this simple form, the coverage information gets sent to local insurance agents in Durham that give free quotes for your insurance coverage. You won’t even need to find an agent on your own since rate quotes are delivered to you. You’ll get the best rates without the usual hassles of price shopping. If you have a need to quote rates from a specific car insurance provider, you would need to navigate to their website and complete a quote there.
Exclusive agents vs. Independent agents
If you need to find a reputable agency, it’s helpful to know the types of agencies and how they can service your needs differently. Insurance agencies in Durham are either independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
Independent agencies do not work for one specific company so as a result can place your coverage with an assortment of companies and find you the best rates. If prices rise, your policy is moved internally and that require little work on your part. If you are comparing rate quotes, you should always compare prices from at a minimum one independent agency for maximum quote selection.
The following is a short list of independent agencies in Durham that can give you price quote information.
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. Exclusive agents receive a lot of sales training in insurance sales and that allows them to sell at a higher price point.
The following is a list of exclusive agents in Durham willing to provide price quotes.
Choosing the best insurance agency is decision based upon more than just a cheap quote. You should also get answers to these questions.
- Do they carry Errors and Omissions coverage?
- Are they in the agency full-time?
- How are claims handled?
- Does their agency support local causes in Durham?
- Can they provide you with a list of referrals?
- What is their Better Business Bureau rating?
- Do they offer accident forgiveness?
After talking to the agent and getting positive responses to these questions and low cost Nissan Titan insurance quotes, you may have just found a car insurance agent that meets the criteria to insure your vehicles.
Situations that may require an agent’s advice
Always remember that when buying the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
For instance, these questions can help discover whether your personal situation would benefit from professional advice.
- Will my Nissan Titan be repaired with OEM or aftermarket parts?
- Do I need to file an SR-22 for a DUI in North Carolina?
- Are split liability limits better than a combined single limit?
- Are all vehicle passengers covered by medical payments coverage?
- What vehicles should carry emergency assistance coverage?
- How can I force my company to pay a claim?
- What is the difference between personal and commercial auto insurance policies?
- Why am I required to get a high-risk car insurance policy?
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
More comparisons equals cheaper rates
As you quote Durham car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured cut collision coverage and discovered at claim time that it was a big error on their part. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Affordable Nissan Titan insurance in Durham is attainable online in addition to local insurance agencies, so get free Durham car insurance quotes from both of them to have the best chance of lowering rates. A few companies may not provide internet price quotes and these regional carriers provide coverage only through independent agents.
How to buy affordable Nissan Titan insurance in Durham
The best way to find the cheapest price for Nissan Titan insurance is to compare prices at least once a year from insurance carriers who provide car insurance in Durham. Rate comparisons can be done by completing these steps.
Step 1: Try to comprehend policy coverages and the changes you can make to keep rates in check. Many rating criteria that are responsible for high rates like at-fault accidents, speeding tickets, and a negative credit rating can be improved by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can quote prices for many different companies.
Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper rate is available in Durham. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your current company to cancel the current policy. Submit the completed application along with a down payment for the new coverage. Immediately put the certificate of insurance somewhere easily accessible.
One thing to remember is that you’ll want to compare similar coverage information on every price quote and and to analyze every insurance company. Doing this helps ensure an accurate price comparison and the best price quote selection.
To read more, feel free to visit the following helpful articles:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance for First-time Drivers in Durham? (FAQ)
- What Auto Insurance is Cheapest in Durham, North Carolina? (FAQ)
- How Much is Durham Car Insurance for 18 Year Olds? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)
- Auto Insurance Learning Center (State Farm)