Are you looking for a better way to compare the cheapest Nissan Xterra insurance in Milwaukee? If you are new to getting Milwaukee car insurance quotes online, it’s easy to be confused by the large number insurance agents and companies all offering big savings in Milwaukee.
Unbelievable but true, the majority of drivers have bought car insurance from the same company for a minimum of four years, and nearly half have never compared rates with other companies. Most drivers in Milwaukee can save approximately $370 each year just by getting comparison quotes, but they don’t know the amount of money they would save if they replace their high priced policy.
Locating the most cost-effective car insurance policy in Milwaukee is actually quite simple. Essentially everyone who buys car insurance most likely will find a lower price. Nevertheless, Wisconsin consumers must comprehend the way insurance companies calculate their prices and use this information to your advantage.
When comparison shopping, comparing all the rates in your area helps locate the best price. Some insurance companies are not set up to provide Milwaukee Xterra insurance quotes online, so it’s recommended that you also compare quotes from those companies as well.
The car insurance companies shown below have been selected to offer free rate quotes in Wisconsin. If the list has multiple companies, we suggest you visit as many as you can in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $92 | $136 | $298 | $18 | $90 | $634 | $53 |
| Xterra S 2WD | $110 | $122 | $302 | $18 | $90 | $642 | $54 |
| Xterra S 4WD | $134 | $198 | $260 | $16 | $78 | $686 | $57 |
| Xterra X 4WD | $98 | $132 | $220 | $14 | $66 | $530 | $44 |
| Xterra Off Road 4WD | $202 | $246 | $302 | $18 | $90 | $858 | $72 |
| Xterra SE 2WD | $138 | $210 | $220 | $14 | $66 | $648 | $54 |
| Xterra SE 4WD | $124 | $194 | $260 | $16 | $78 | $672 | $56 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect rates greatly.
Nissan Xterra liability rates compared to full coverage
The chart below shows the comparison of Nissan Xterra premium costs when comparing full coverage to state minimum liability only. The rates are based on no claims or violations, $500 deductibles, married female driver, and no discounts are applied.
Guidelines for dropping full coverage
There is no clear-cut formula to stop buying full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Nissan Xterra replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for physical damage coverage, then it might be time to buy liability only.
There are some conditions where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Auto insurance is not optional in Wisconsin
Despite the potentially high cost of Nissan Xterra insurance, maintaining insurance is a good idea for several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy a specific minimum amount of liability protection if you don’t want to risk a ticket. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan Xterra has a loan, almost all lenders will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Nissan at a much higher rate and require you to fork over the higher premium.
- Auto insurance protects your Nissan and your assets. It will also pay for most medical and hospital costs incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays as much as $820 a year so compare rate quotes once a year at a minimum to ensure rates are inline.
Discounts can help lower premiums on Nissan Xterra insurance in Milwaukee
Some insurance providers do not advertise every discount available very well, so we took the time to find some of the more common and the harder-to-find discounts that may be available.
- Multi-policy Discount – When you combine your auto and home insurance with one company you could save approximately 10% to 15%.
- New Vehicle Savings – Buying insurance on a new vehicle can get you a discount because new vehicles keep occupants safer.
- Accident Waiver – This one isn’t a discount, but some insurance companies may permit one accident before they charge you more for coverage if your claims history is clear prior to the accident.
- Low Mileage Discounts – Low mileage vehicles could be rewarded with cheaper premium rates.
- Driver’s Education for Students – Teen drivers should successfully take a driver’s education course in school or through a local driver safety program.
- Good Grades Discount – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
- Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more on Xterra insurance in Milwaukee.
- Accident Free – Insureds who avoid accidents and claims get the best car insurance rates as opposed to insureds who have frequent claims or accidents.
- Discount for Life Insurance – Some companies give a discount if you purchase a life policy as well.
- Save over 55 – If you’re over the age of 55, you may qualify for lower premium rates.
Drivers should understand that some of the credits will not apply to the whole policy. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
A few companies that possibly offer these benefits are:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
If you need lower rates, check with every prospective company which discounts you qualify for. Some discounts may not apply in your state. To view car insurance companies that offer many of these discounts in Wisconsin, follow this link.
What if I want to buy from local Milwaukee auto insurance agents?
Some consumers would rather have an agent’s advice and that is a personal choice. One of the benefits of comparing rates online is you may find the lowest rates but also keep your business local.
Once you complete this quick form, the quote information is emailed to local insurance agents in Milwaukee who will gladly provide quotes for your coverage. There is no reason to search for an agent because prices are sent to you instantly. It’s the lowest rates without requiring a lot of work. If for some reason you want to get a comparison quote from a specific insurance company, you can always go to their quote page and give them your coverage information.
Picking a company should depend on more than just the bottom line cost. These are some questions your agent should answer.
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they see any coverage gaps in your plan?
- Will you get a loaner vehicle if you car is being repaired?
- How much can you save by raising your physical damage deductibles?
- If independent agents, which companies do they recommend?
- Do they receive special compensation for putting your coverage with one company over another?
- What is their Better Business Bureau rating?
Choose the right auto insurance agent
If you want to buy car insurance from a good insurance agency, you should know the types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Exclusive Agencies
Agents that elect to be exclusive can only provide pricing for a single company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to compare other company’s rates so they have to upsell other benefits. Exclusive agents are trained well on the products they sell which aids in selling service over price. A lot of people purchase coverage from exclusives mostly because of the brand legacy rather than low rates.
The following is a list of exclusive insurance agencies in Milwaukee who may provide you with price quote information.
- American Family Insurance – Edward Thomas
4641 W Forest Home Ave – Milwaukee, WI 53219 – (414) 327-4770 – View Map - American Family Insurance – Arthur Olszewski Agency Inc.
7400 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5533 – View Map - Len Cratic Jr – State Farm Insurance Agent
10721 W Capitol Dr #127 – Milwaukee, WI 53222 – (414) 527-4288 – View Map
Independent Agents (or Brokers)
Agents of this type are normally appointed by many insurers and that allows them to write policies with any number of different companies and get the cheapest rates. If your agent finds better pricing, your policy is moved internally and you can keep the same agent.
When searching for an agent, we recommend you compare quotes from several independent agencies to get the best comparison. They often place coverage with less well-known companies that can offer cheaper rates than bigger companies.
Shown below is a short list of independent insurance agencies in Milwaukee who can help you get comparison quotes.
- Dale G Latus Insurance
5232 W Oklahoma Ave # 215 – Milwaukee, WI 53219 – (414) 352-1118 – View Map - Kirchen Insurance
2255 W Good Hope Rd – Milwaukee, WI 53209 – (414) 352-5750 – View Map - Bill Luepke Insurance Agency
1223 E Howard Ave – Milwaukee, WI 53207 – (414) 482-1040 – View Map
After you get positive feedback for all questions you ask as well as a affordable price, it’s possible that you found an insurance agency that meets your needs to properly service your car insurance policy. Just be aware that you can always cancel your policy any time you want so don’t assume that you are obligated to the car insurance policy indefinitely.
In Summary
Consumers leave their current company for a number of reasons such as delays in paying claims, questionable increases in premium, policy cancellation and even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is less work than it seems.
Affordable Nissan Xterra insurance in Milwaukee can be found from both online companies and also from your neighborhood Milwaukee agents, so you should compare both to have the best rate selection. Some auto insurance companies do not offer rates over the internet and many times these smaller providers work with independent insurance agencies.
As you quote Milwaukee car insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured dropped collision coverage and discovered at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage at the best price, but do not skimp to save money.
For more information, feel free to browse the resources below:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for a Kia Optima in Milwaukee? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Explorer in Milwaukee? (FAQ)
- What Car Insurance is Cheapest for a Subaru Forester in Milwaukee? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Under 21 in Milwaukee? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)