Nissan Titan Insurance Rate Quotes in Tampa

Truthfully, the best way to get discount Nissan Titan insurance is to compare quotes annually from insurers in Tampa. Drivers can shop around by following these steps.

• Step 1: Take a little time to learn about car insurance and the things you can change to keep rates low. Many policy risk factors that drive up the price like accidents, careless driving, and poor credit rating can be controlled by making lifestyle changes or driving safer.
• Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple companies.
• Step 3: Compare the quotes to the price on your current policy to see if cheaper Titan coverage is available. If you find a lower rate, ensure coverage does not lapse between policies.
• Step 4: Give notification to your agent or company to cancel your current car insurance policy and submit payment and a signed application for your new coverage. As soon as you can, place the new proof of insurance paperwork with your registration paperwork.

A tip to remember is to use identical limits and deductibles on each quote and and to get prices from as many carriers as you can. This provides a fair rate comparison and the best price selection.

It’s amazing but the vast majority of drivers kept buying from the same company for more than four years, and approximately 40% of consumers have never compared insurance rates at all. Most drivers in Tampa can save almost $1,130 each year by just comparing rate quotes, but they underestimate the benefits if they swap their current policy for a cheaper one.

The best way we recommend to compare rate quotes for Nissan Titan insurance in Tampa is to know auto insurance companies participate in a system to give rate comparisons. To get started, all you need to do is give them some information such as driver ages, your job, coverage limits, and types of safety features. The data is sent automatically to many highly-rated insurers and they respond with quotes quickly.

If you would like to compare rates now, click here and find out if you can get cheaper insurance in Tampa.

The auto insurance companies shown below are ready to provide quotes in Tampa, FL. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Nissan Titan coverage statistics

The coverage table shown next outlines detailed analysis of coverage prices for Nissan Titan models. Knowing how insurance rates are determined is important for you to make informed coverage decisions.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can affect insurance rates considerably.

Physical damage deductible comparison

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The comparison tables below may help to illustrate the rate differences when you choose different deductibles. The first data set uses a $100 physical damage deductible and the second set of prices uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can raise or lower prices considerably.

Based on the above data, using a $100 deductible costs roughly $45 more each month or $540 annually averaged for all Titan models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claims, you would most likely save money if you elect the higher deductible. Here is an example of how this decision is made.

The example below illustrates how choosing a deductible and can increase or decrease Nissan Titan annual premium costs for each age group. The costs are based on a married female driver, full coverage, and no discounts are applied.

Auto insurance cost for men versus women

The illustration below illustrates the difference between Nissan Titan insurance prices for male and female drivers. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no discounts are factored in.

How much more does full coverage cost?

The example below shows the comparison of Nissan Titan yearly insurance costs with full coverage compared to only the Florida minimum liability coverage. The price estimates are based on no claims or driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no set rule of when to phase out physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your Nissan Titan claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying your deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some circumstances where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Tampa insurance discounts for a Nissan Titan

Auto insurance companies don’t always list all possible discounts very clearly, so the following list contains both the well known and the harder-to-find discounts that you may qualify for. If you are not receiving all the discounts you qualify for, you are just wasting money.

• Anti-lock Brake System – Vehicles with ABS braking systems or traction control have fewer accidents so companies give up to a 10% discount.
• Organization Discounts – Joining qualifying employment or professional organizations could trigger savings on auto insurance.
• Accident Waiver – Not a discount per se, but companies like Liberty Mutual, GEICO and Allstate will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
• More Vehicles More Savings – Buying a policy with multiple cars on one policy could earn a price break for each car.
• Discounts for Government Workers – Active or former government employment can earn a discount up to 10% depending on your company.
• Senior Citizen Discount – Older drivers are able to get a discount up to 10%.
• Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your Tampa auto insurance quote.
• Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings up to 30%.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you won’t be that lucky.

The example below illustrates the comparison of Nissan Titan insurance rates with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or claims, Florida 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, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.

Companies and their offered discounts are detailed below.

• State Farm discounts include Steer Clear safe driver discount, anti-theft, student away at school, Drive Safe & Save, and good driver.
• Progressive offers discounts for online signing, homeowner, multi-policy, multi-vehicle, continuous coverage, good student, and online quote discount.
• Progressive may include discounts for online quote discount, good student, continuous coverage, multi-policy, homeowner, online signing, and multi-vehicle.
• MetLife may offer discounts for good student, accident-free, defensive driver, multi-policy, and claim-free.
• Farm Bureau has savings for multi-policy, good student, safe driver, driver training, renewal discount, and youthful driver.
• GEICO has discounts for air bags, military active duty, multi-policy, good student, membership and employees, five-year accident-free, and federal employee.
• SAFECO policyholders can earn discounts including multi-car, anti-theft, anti-lock brakes, homeowner, drive less, and accident prevention training.

It’s a good idea to ask every company to give you their best rates. Some discounts listed above might not be available to policyholders in your state.

Insurance is an important decision

Despite the high insurance cost for a Nissan Titan in Tampa, insurance is not optional due to several reasons.

First, most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Nissan Titan, more than likely the lender will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may insure your Nissan at a much higher premium rate and require you to fork over the higher price.

Third, insurance protects both your Nissan and your personal assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to have it repaired.

The benefits of carrying enough insurance more than cancel out the cost, especially when you need to use it. According to a recent study, the average American driver overpays more than $800 each year so shop around at least once a year to help ensure money is not being wasted.

Local Tampa insurance agents

Some consumers would rather go talk to an agent and that is OK! One of the benefits of comparing insurance prices online is the fact that you can find the best rates and still buy from a local agent.

For easy comparison, once you complete this quick form, the quote information is sent to insurance agents in Tampa who will give you bids to get your business. There is no need to contact an agency since price quotes are sent to your email. You can find the lowest rates and a licensed agent to talk to. If you wish to quote rates from a specific insurance provider, don’t hesitate to navigate to their website and fill out the quote form the provide.

Picking the best company shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.

• How would your car be valued if totaled?
• Is the agency involved in supporting local community causes?
• What insurance companies do they recommend if they are an independent agent?
• Can you use your own choice of collision repair facility?
• Who is covered by the car insurance policy?
• If you have an accident, will your rates go up?

How to choose the best auto insurance agent in Tampa

When searching for a reliable insurance agency, you must know there are a couple different types of agencies and how they function. Insurance agents in Tampa can either be independent or exclusive.

Exclusive Agencies

Exclusive agencies generally can only insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to compare rates from other companies so they really need to provide good service. They are highly trained on their company’s products which helps overcome the inability to quote other rates. Consumers frequently buy from exclusive agents primarily because of the brand name rather than low rates.

Listed below is a short list of exclusive agents in Tampa who can help you get price quote information.

• Doug MacDaid – State Farm Insurance Agent
  8910 N Dale Mabry Hwy #3 – Tampa, FL 33614 – (813) 935-2937 – View Map
• Lang Adams – State Farm Insurance Agent
  5051 Memorial Hwy – Tampa, FL 33634 – (813) 243-1300 – View Map
• John Lang – State Farm Insurance Agent
  4023 W Waters Ave #5 – Tampa, FL 33614 – (813) 885-2748 – View Map

View more Tampa agents

Independent Agents (or Brokers)

Agents of this type can quote rates with many companies and that gives them the ability to insure amongst many companies and potentially find a lower price. If they find a lower price, they simply move the coverage in-house and you won’t have to switch agencies.

When comparison shopping, we recommend you check rates from multiple independent agents to maximize your price options. A lot of them also have access to lesser-known insurance companies that can offer cheaper rates than bigger companies.

Below is a list of independent insurance agencies in Tampa that are able to give comparison quotes.

• Mynatt Insurance Agency
  1316 W Busch Blvd – Tampa, FL 33612 – (813) 932-5511 – View Map
• Hockman Insurance Agency, Inc.
  3438 Colwell Ave – Tampa, FL 33614 – (813) 636-4000 – View Map
• Ken Anthony Insurance Agency – Affinity Insurance
  8010 N 56th St – Tampa, FL 33617 – (813) 251-8685 – View Map

View more Tampa agents