Nissan Titan Insurance for Tightwads
If buying car insurance was fun, we'd do it as a recreational sport. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding good insurance for your Nissan Titan probably leaves you feeling the same way.
Step One: Insurance Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. Now that we have the internet, shopping for car insurance online is a snap!
You can now shop all the best car insurance companies and compare rates for a Nissan Titan and you don't even have to visit each individual website!
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Nissan Titan.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Titan.
Step Two: Top Ways to Get Lower Titan Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Titan insurance rates.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- If your Nissan is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Buy the Best Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
Coverage will extend from your current policy if you're buying a Nissan Titan, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Titan. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.