Cheapest Rates for Nissan Titan Insurance in Philadelphia

Do you get exhausted from trying to scrape together enough money to buy insurance? You are no different than many other Pennsylvania drivers.

A recent study showed that the vast majority of insurance customers in Pennsylvania have stayed with the same insurance company for four years or more, and approximately 40% of consumers have never even compared quotes to find cheap rates. Many drivers in America could save themselves as much as 46.5% a year just by shopping around, but they don’t want to take the time to compare rates. Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest price on Nissan Titan insurance in Philadelphia.

You should take the time to check insurance prices occasionally because prices are rarely the same from one policy term to another. Even if you think you had the best rate on Nissan Titan insurance in Philadelphia a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the proper way to save money, get proper deductibles and limits, all at the lowest rate.

If you already have coverage or are just looking to switch companies, you can follow these tips to buy cheaper car insurance and still have adequate protection. Finding the cheapest car insurance coverage in Philadelphia is quite easy. Shoppers just need to learn the fastest way to get comparison rates online.

Compare quotes for Philadelphia Nissan Titan insurance

The companies shown below have been selected to offer comparison quotes in Pennsylvania. If several companies are displayed, we suggest you get prices from several of them to find the cheapest auto insurance rates.

Here’s why insurance is not optional

Despite the fact that insurance is not cheap in Philadelphia, insuring your vehicle is a good idea for several reasons.

First, most states have minimum liability requirements which means you are required to carry specific limits of liability insurance coverage in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your vehicle with a loan, more than likely the lender will have a requirement that you buy insurance to protect their interest in the vehicle. If you let the policy lapse, the lender may insure your Nissan for a lot more money and require you to pay the higher price.

Third, insurance safeguards both your vehicle and your personal assets. It will also provide coverage for all forms of medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, your insurance policy will pay to have it repaired.

The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. On average, a vehicle owner in Philadelphia overpays more than $825 a year so compare rates at least once a year to ensure rates are competitive.

Rates and detailed analysis

The premium information shown below outlines different insurance rates for Nissan Titan models. Understanding more about how insurance premiums are determined is important for you to make smart choices when selecting a coverage provider.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in vehicle location which can influence insurance rates considerably.

Higher deductibles save money

A question often asked by Philadelphia drivers is how high should the deductibles for physical damage be. The rates shown below can help you understand the difference in cost between low and high physical damage coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can change prices noticeably.

Based on these figures, using a $250 deductible will cost you approximately $25 more each month or $300 each year than buying the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 30 months between claims, you would probably be better off if you choose the higher deductible. The numbers below show an example of how you can decide this on your own policy.

One important note is that a higher deductible means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have enough money in the bank in the event you have to pay more for the deductible.

Premiums by gender and age

The illustration below illustrates the comparison of Nissan Titan auto insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Philadelphia insurance discounts for a Nissan Titan

Some companies don’t always list every discount available in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known ways to save on insurance. If you do not double check each discount possible, you are not getting the best rate possible.

• Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new vehicles have to meet stringent safety requirements.
• Defensive Driver Discounts – Successfully completing a safe driver class can save you 5% or more and make you a better driver.
• Driving Data Discount – Insureds that choose to allow their company to analyze their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
• Auto/Life Discount – Insurance carriers who offer life insurance give lower premium rates if you buy auto and life insurance together.
• Government Employees – Simply working for the federal government could provide a small rate reduction with a few insurance companies.

As a sidenote, some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

The chart below shows the comparison of Nissan Titan car insurance costs with and without some available policy discounts. The rates are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, claim-free, and homeowner discounts applied.

Large insurance companies and a summarized list of policyholder discounts are detailed below.

• Farmers Insurance may include discounts for mature driver, youthful driver, alternative fuel, business and professional, and bundle discounts.
• State Farm may have discounts that include good student, good driver, safe vehicle, multiple policy, and multiple autos.
• Liberty Mutual offers discounts including newly retired, newly married, exclusive group savings, new vehicle discount, new move discount, and good student.
• MetLife policyholders can earn discounts including good driver, defensive driver, claim-free, accident-free, and multi-policy.
• Progressive includes discounts for multi-vehicle, homeowner, good student, online quote discount, online signing, continuous coverage, and multi-policy.

When getting free Philadelphia car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Depending on the company, some discounts may not be offered in Philadelphia. To view providers with discount insurance rates in Pennsylvania, click here to view.

Insurance agent or online?

Certain consumers still prefer to buy from a licensed agent and that is a smart decision Experienced insurance agents are trained to spot inefficiencies and help you file claims. A nice benefit of comparing insurance prices online is you can get lower rates and still choose a local agent.

Once you complete this quick form, your coverage information is immediately sent to companies in Philadelphia who will give competitive quotes for your business. There is no reason to contact any insurance agencies due to the fact that quote results will go immediately to your email address. If you need to compare rates from a particular provider, don’t hesitate to go to their quote page and submit a quote form there.

Finding the right provider needs to be determined by more than just the bottom line cost. Get answers to these questions too.

• Is the agent properly licensed in Pennsylvania?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Do they have any clout with companies to ensure a fair claim settlement?
• Will the agent help in case of a claim?
• Is the coverage adequate for your vehicle?

If you would like to find a reliable insurance agency, there are two types of agencies and how they differ in how they quote coverages. Car insurance agencies can be classified as either independent or exclusive depending on the company they work for. Both can sell affordable car insurance policies, but it’s worth learning the differences since it can impact the kind of agent you use.

Exclusive Car Insurance Agencies

Agents that elect to be exclusive can only provide pricing for a single company such as State Farm, Allstate, and Farm Bureau. They generally cannot compare rates from other companies so you might not find the best rates. These agents receive a lot of sales training on what they offer and that can be a competitive advantage.

Shown below are exclusive agents in Philadelphia who can help you get price quotes.

View more agents

Independent Car Insurance Agents

Independent agents can quote rates with many companies so they have the ability to put coverage through many different car insurance companies and find the cheapest car insurance rates. If you are not satisfied with one company, the business is moved internally and you don’t have to switch agencies. If you are comparing rate quotes, you will definitely want to contact multiple independent agents to get the best comparison.

Below is a short list of independent agents in Philadelphia that are able to give comparison quotes.

View more agents

Car insurance 101

Knowing the specifics of your insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 15/30/5 that translate to $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.

Liability insurance covers claims like structural damage, loss of income, bail bonds, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.

The chart below demonstrates why buying minimum limits may not be enough.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Nissan Titan.

Because many people only purchase the least amount of liability that is required (which is 15/30/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage protection

This coverage will pay to fix damage to your Titan resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, rolling your car, hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible on your Titan to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, rock chips in glass, hitting a bird, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like rehabilitation expenses, funeral costs, hospital visits, pain medications and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

In conclusion

There are still a few companies who may not have online price quotes and usually these small, regional companies only sell coverage through independent agents. The cheapest Nissan Titan insurance in Philadelphia is available from both online companies as well as from independent agents in Philadelphia, so compare prices from both to have the best selection.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced full coverage and discovered at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best cost, not the least amount of coverage.

In this article, we covered a lot of ways to reduce Nissan Titan insurance car insurance rates online in Philadelphia. The key thing to remember is the more rate quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest car insurance rates come from a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

More information

• Eight Auto Insurance Myths (Insurance Information Institute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Red Light Cameras (State Farm)
• Choosing a Car for Your Teen (State Farm)