Compare Nissan Xterra Insurance Quotes in Seattle

Discount Nissan Xterra insurancePaying for high-priced Nissan Xterra insurance in Seattle can deplete your budget and put a big crunch on your finances. Performing a price comparison can be a smart way to lower your bills every month.

Sadly, the vast majority of auto insurance customers in Washington have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never compared rate quotes at all. Drivers in America can cut their rates by almost $860 a year just by getting comparison quotes, but they don’t want to take the time to find cheaper auto insurance rates. Many insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company and get the best coverage at the cheapest price on Nissan Xterra insurance in Seattle.

It is always a good idea to get comparison quotes before your policy renews because insurance prices change quite often. Just because you had the best deal on Nissan Xterra insurance in Seattle on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to buy cheaper Nissan Xterra insurance in Seattle.

Companies offering competitive Nissan Xterra rates in Seattle, WA

The companies shown below are ready to provide free rate quotes in Washington. If more than one company is shown, it’s highly recommended you click on several of them to find the lowest auto insurance rates.


Nissan Xterra Insurance Rate Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Xterra X 2WD $214 $288 $300 $18 $90 $910 $76
Xterra S 2WD $172 $250 $282 $16 $84 $804 $67
Xterra S 4WD $158 $230 $356 $22 $106 $872 $73
Xterra X 4WD $154 $210 $282 $16 $84 $746 $62
Xterra Off Road 4WD $198 $320 $282 $16 $84 $900 $75
Xterra SE 2WD $122 $204 $334 $20 $100 $780 $65
Xterra SE 4WD $218 $368 $334 $20 $100 $1,040 $87
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in your specific Seattle location which can decrease or increase coverage prices considerably.

Premiums by gender and age

The chart below visualizes the comparison of Nissan Xterra car insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied.

Reckless driving habits raise car insurance rates

The information below demonstrates how speeding tickets and at-fault accidents can raise Nissan Xterra auto insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Lower your auto insurance rates with discounts

Some companies don’t always advertise all discounts in an easy-to-find place, so the following is a list of a few of the more well known in addition to some of the lesser obvious savings tricks you should be using when you buy Seattle car insurance online.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all those discounts means the company will pay you, it’s just not the way it works. But all discounts should help lower your policy premium.

Some companies who might offer many of the previously listed discounts include:

When comparing rates, check with every insurance company to apply every possible discount. Savings may not apply in Seattle.

Insurance agent or online?

Certain consumers just prefer to visit with an insurance agent and often times that is recommended Most agents are trained risk managers and help submit paperwork. One of the benefits of comparing auto insurance online is the fact that you can find lower prices and still buy from a local agent.

Seattle insurance agentsOnce you complete this simple form, the quote information is immediately sent to companies in Seattle who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go straight to your inbox. If you wish to compare rates from a specific auto insurance provider, you would need to go to their quote page and give them your coverage information.

Picking the best company is decision based upon more than just the quoted price. Any good agent in Seattle should know the answers to these questions.

Best auto insurance agent in Seattle

When narrowing the list to find a reliable agent, it helps to know the two different types of agents that differ in how they can insure your vehicles. Auto insurance agents in Seattle can be described as either exclusive or independent. Either type can write auto insurance policies, but it is a good idea to know the difference between them since it can affect your agent selection.

Exclusive Agents

Exclusive agencies normally can only provide a single company’s rates such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are trained well on their products and sales techniques which helps offset the inability to provide other markets.

Shown below are Seattle exclusive agencies willing to provide comparison quotes.


4719 University Way NE #202Seattle, WA 98105(206) 946-1986View Map


2505 3rd Ave #120Seattle, WA 98121(206) 441-5630View Map


1115 N Northgate WaySeattle, WA 98133(206) 364-2210View Map

More insurance agents

Independent Insurance Agents

Agents in the independent channel are not employed by any specific company and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If premiums increase, they simply switch companies in-house which makes it simple for you.

If you are comparing rate quotes, you absolutely need to include multiple independent agents to get the most accurate price comparison.

Shown below are independent agencies in Seattle that are able to give comparison quotes.


13751 Lake City Way NE #214Seattle, WA 98125(206) 368-8117View Map


6055 California Ave SWSeattle, WA 98136(206) 932-2500View Map


265 NE 45th StSeattle, WA 98105(206) 783-4024View Map

More insurance agents

Big names are not always cheapest

Washington consumers can’t escape the ads that claim the best prices from the likes of State Farm, Allstate and GEICO. They all seem to try to convey promises that you can save just by moving your car insurance policy to them.

It sounds good, but how can they all have lower policy pricing? It’s all in the numbers.

All companies quote the lowest rates for the type of driver that will generate a profit. For example, a desirable risk might be described as a married female, has no driving citations, and the vehicle is rated for pleasure use. A driver who matches that profile may get the lowest prices in Seattle and as a result will probably save quite a bit of money when switching.

People who fall short of the requirements will be charged more expensive rates and this can result in business not being written. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” save that much. That is how insurance companies can make claims like that. Each company has different criteria, so you should compare as many free Seattle car insurance quotes as you can. It is impossible to guess the company that will have the best Nissan Xterra insurance in Seattle.

In Summary

Cheaper Nissan Xterra insurance in Seattle can be bought from both online companies in addition to many Seattle insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and many times these small, regional companies sell through independent agents.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the best possible price.

In this article, we covered some good ideas how to shop for Nissan Xterra insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting low cost Seattle car insurance quotes. Drivers may even discover the best price on car insurance is with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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