Save Money on Nissan Titan Insurance in Seattle

Discount Nissan Titan insuranceWould 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.


Nissan Titan Insurance Cost Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $218 $434 $384 $22 $114 $1,172 $98
Titan XE King Cab 2WD $200 $350 $480 $28 $144 $1,202 $100
Titan XE Crew Cab 4WD $158 $242 $294 $18 $88 $800 $67
Titan SE King Cab 4WD $200 $350 $384 $22 $114 $1,070 $89
Titan XE Crew Cab 2WD $318 $564 $498 $30 $148 $1,558 $130
Titan SE King Cab 2WD $280 $526 $446 $26 $134 $1,412 $118
Titan SE Crew Cab 4WD $252 $520 $356 $22 $106 $1,256 $105
Titan Pro-4X King Cab 4WD $154 $278 $300 $18 $90 $840 $70
Titan SE Crew Cab 2WD $198 $376 $346 $20 $104 $1,044 $87
Titan Pro-4X Crew Cab 4WD $180 $358 $334 $20 $100 $992 $83
Titan LE Crew Cab 4WD $286 $556 $398 $24 $120 $1,384 $115
Titan LE Crew Cab 2WD $354 $664 $498 $30 $148 $1,694 $141
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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.


Nissan Titan insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $254 $458 $294 $18 $88 $1,137 $95
Titan XE King Cab 2WD $286 $458 $368 $22 $110 $1,269 $106
Titan XE Crew Cab 4WD $286 $458 $294 $18 $88 $1,169 $97
Titan SE King Cab 4WD $286 $458 $294 $18 $88 $1,169 $97
Titan XE Crew Cab 2WD $286 $458 $368 $22 $110 $1,269 $106
Titan SE King Cab 2WD $286 $458 $368 $22 $110 $1,269 $106
Titan SE Crew Cab 4WD $286 $540 $294 $18 $88 $1,251 $104
Titan Pro-4X King Cab 4WD $286 $540 $294 $18 $88 $1,251 $104
Titan SE Crew Cab 2WD $286 $540 $368 $22 $110 $1,351 $113
Titan Pro-4X Crew Cab 4WD $286 $540 $294 $18 $88 $1,251 $104
Titan LE Crew Cab 4WD $286 $540 $294 $18 $88 $1,251 $104
Titan LE Crew Cab 2WD $318 $540 $368 $22 $110 $1,383 $115
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Nissan Titan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $186 $310 $294 $18 $88 $896 $75
Titan XE King Cab 2WD $208 $310 $368 $22 $110 $1,018 $85
Titan XE Crew Cab 4WD $208 $310 $294 $18 $88 $918 $77
Titan SE King Cab 4WD $208 $310 $294 $18 $88 $918 $77
Titan XE Crew Cab 2WD $208 $310 $368 $22 $110 $1,018 $85
Titan SE King Cab 2WD $208 $310 $368 $22 $110 $1,018 $85
Titan SE Crew Cab 4WD $208 $364 $294 $18 $88 $972 $81
Titan Pro-4X King Cab 4WD $208 $364 $294 $18 $88 $972 $81
Titan SE Crew Cab 2WD $208 $364 $368 $22 $110 $1,072 $89
Titan Pro-4X Crew Cab 4WD $208 $364 $294 $18 $88 $972 $81
Titan LE Crew Cab 4WD $208 $364 $294 $18 $88 $972 $81
Titan LE Crew Cab 2WD $232 $364 $368 $22 $110 $1,096 $91
Get Your Own Custom Quote Go

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.

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.Save money with discounts

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:

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.

Find insurance agent in SeattleTo 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.

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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.

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.

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.

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