Save Money on Nissan Titan Insurance in Seattle

Would you like to save money by finding low-cost car insurance rates in Seattle, WA? Seattle drivers have many options when trying to find low-cost Nissan Titan insurance. They can either spend hours driving around getting price quotes or utilize the internet to compare rates.

There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to compare rates on a Nissan and obtain the lowest price either online or from Seattle insurance agents.

Auto insurance providers offering cheap rate quotes in Washington

The companies in the list below provide price comparisons in Washington. If multiple providers are shown, we recommend you compare several of them to find the most competitive auto insurance rates.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in your specific Seattle location which can increase or decrease rates considerably.

Physical damage deductibles: Should you raise them?

When buying car insurance, a common question is which deductible level should you buy. The tables below can help illustrate the difference in cost of buying low and high coverage deductibles. The first table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in specific zip code location which can impact insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs approximately $22 more each month or $264 for a full year than opting for the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 18 months between claim filings, you would save more money by selecting a higher deductible.

Should you buy full coverage?

The diagram below visualizes the comparison of Nissan Titan annual premium costs when comparing full coverage to state minimum liability only. The rates are based on no accidents or driving violations, $100 deductibles, married female driver, and no other discounts are factored in.

When to stop buying full coverage

There is no exact formula of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Nissan Titan settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying the physical damage deductible. If you are paying in excess of $300 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Nissan Titan insurance premiums by gender and age

The chart below visualizes the comparison of Nissan Titan annual premium costs for male and female drivers. The premium estimates are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

How You Can Control Nissan Titan Insurance Rates

Many things are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, although others are more obscure like your vehicle usage or your financial responsibility.

• Always have insurance – Driving without insurance can get you a ticket and any future policy may cost more because you let your insurance expire. And not only will your rates increase, failure to provide proof of insurance will get you fines and jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the Washington DMV.
• Does car insurance cost less for females? – Statistics demonstrate females are less aggressive when driving. It does not mean women are BETTER drivers than men. Women and men cause auto accidents in similar numbers, but the men tend to have higher claims. Men also get cited for more serious violations such as reckless driving.
• Where you live plays a part – Residing in less populated areas of the country may provide you with better prices when shopping for auto insurance. Drivers in populated areas have traffic congestion and higher rates of accident claims. Less people living in that area translates into fewer accidents and lower theft and vandalism rates.
• Eliminate unneeded incidental coverages – There are a lot of add-on coverages that may not really be needed if you don’t pay attention. Coverage for things like roadside assistance, better glass coverage, and membership fees are probably not needed. You may think they are a good idea initially, but if you have no use for them get rid of them and save.
• High credit scores save money – Having a bad credit score will be a significant factor in your rate calculation. Therefore, if your credit can be improved, you could potentially save money when insuring your Nissan Titan if you improve your credit rating. Insureds that have good credit tend to be more responsible as compared to drivers with bad credit.
• Companies want multiple policies – Most major insurers apply better rates to insureds that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare Nissan Titan rates in Seattle to verify if the discount is saving money.
• Claims statistics for a Nissan Titan – Insurance companies analyze past claim statistics to calculate a rate that offsets possible losses. Models that statistically have a trend towards higher claims will be charged more to insure.

  The table below illustrates the insurance loss data used by companies for Nissan Titan vehicles. For each type of coverage, the claim probability for all vehicles, as a total average, equals 100. Percentage values below 100 mean the vehicle has better than average losses, while percentage values above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

  Auto Insurance Loss Data for Nissan Titan Models

  Specific Nissan 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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Discount Seattle car insurance quotes

Not too many consumers would say car insurance is affordable, but there could be available discounts that could help you make your next renewal payment. Some discounts apply automatically when you complete an application, but a few must be specially asked for before being credited.

• ABS Braking Discount – Cars that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Smart Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Seattle Homeowners Pay Less – Simply owning a home may trigger a policy discount on car insurance due to the fact that maintaining a home demonstrates responsibility.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
• Membership in Organizations – Participating in certain professional organizations could trigger savings on your next renewal.
• Military Discounts – Being on active deployment in the military could be rewarded with lower premium rates.
• Discount for Life Insurance – Select companies reward you with lower rates if you buy some life insurance in addition to your auto policy.
• New Vehicle Savings – Buying car insurance coverage on a new vehicle can get you a discount compared to insuring an older model.

Remember that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Car insurance companies that have most of the discounts above include:

• State Farm
• GEICO
• SAFECO
• Farmers Insurance
• AAA
• USAA

It’s a good idea to ask every prospective company to give you their best rates. A few discounts might not be offered on policies in Seattle.

Local Seattle car insurance agents and insurance

Some consumers still like to buy from a licensed agent and that is a smart decision Good insurance agents can help you choose the best coverages and help file insurance claims. The best thing about comparing insurance prices online is that you can find cheap insurance quotes and still have an agent to talk to. Buying from neighborhood insurance agencies is important particularly in Seattle.

To help locate an agent, after submitting this short form, the quote information is transmitted to local insurance agents that provide free Seattle car insurance quotes for your insurance coverage. You don’t have to contact any insurance agencies since price quotes are sent directly to you. If you want to compare prices from a particular provider, you just need to jump over to their website and give them your coverage information.

Pick the best auto insurance agent in Seattle for you

If you are wanting to find a reliable insurance agency, it helps to know the two types of agencies that you can choose from. Insurance agencies in Seattle may be either exclusive or independent. Either can insure your vehicles, but it is a good idea to know the differences because it can factor into the type of agent you choose.

Independent Insurance Agents

Agents in the independent channel are not limited to a single company and that enables them to quote your coverage with an assortment of companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house and you can keep the same agent.

When comparing rates, you absolutely need to compare prices from several independent agencies to maximize your price options. Many can place coverage with different regional companies that may have much lower rates than larger companies.

Featured below are Seattle independent agencies that can possibly get you free insurance quotes.

• Johnson Insurance Agency
  9200 Holman Rd NW – Seattle, WA 98117 – (206) 789-5940 – View Map
• Roy Potter Insurance
  412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map
• C. Don Filer Agency
  4201 Roosevelt Way NE #200 – Seattle, WA 98105 – (800) 701-5909 – View Map

View more Seattle agents

Exclusive Insurance Agents

Agents that elect to be exclusive work for only one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive agencies are well schooled on their company’s products which helps offset the inability to provide other markets. Drivers often buy insurance from these agents mainly due to the brand legacy and the convenience of having all coverages with one company.

The following are exclusive agencies in Seattle who can help you get price quote information.

• Jeff Kalvelage – State Farm Insurance Agent
  315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 – View Map
• Melinda Elkin – State Farm Insurance Agent
  7104 Greenwood Ave N – Seattle, WA 98103 – (206) 784-6560 – View Map
• Raymond Insurance-Pemco and Progressive
  6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map

View more Seattle agents

Finding the right insurance agent should include more criteria than just a cheap price quote. The following questions are important to ask.

• If they are an independent agency in Seattle, which companies do they recommend?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do the coverages you’re quoting properly cover your vehicle?
• If you raise deductibles, how much can you save?
• Where would your vehicle be repaired?
• Is insurance their full-time profession?
• Where are claims handled?

You can lower your car insurance rates

Affordable Nissan Titan insurance in Seattle can be purchased both online and also from your neighborhood Seattle agents, so get free Seattle car insurance quotes from both of them in order to have the best chance of saving money. A few companies may not offer internet price quotes and many times these small insurance companies work with independent insurance agencies.

People who switch companies do it for many reasons like high prices, not issuing a premium refund, denial of a claim and lack of trust in their agent. It doesn’t matter what your reason, switching car insurance companies is not as difficult as it may seem.

In this article, we presented many tips how you can lower your Nissan Titan insurance rates in Seattle. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost Seattle car insurance quotes. Consumers could even find that the best rates are with a small mutual company.

To learn more, link through to the following helpful articles:

• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for a Subaru Outback in Seattle? (FAQ)
• Who Has Affordable Auto Insurance Rates for Drivers with Bad Credit in Seattle? (FAQ)
• How Much are Seattle Car Insurance Rates for 19 Year Olds? (FAQ)
• Who Has Affordable Seattle Car Insurance for a Nissan Versa? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)