Has it been a year or more since you last compared quotes for more competitive Nissan Titan insurance in Fresno? Purchasing lower-cost Fresno Nissan Titan insurance quotes over the internet may seem to be rather challenging for people new to comparing and buying auto insurance online. With so many insurance agents and insurers to choose from, how are people able to efficiently compare every company to locate cheaper auto insurance prices?
It’s safe to assume that auto insurance companies want to keep your business as long as possible. Insureds who get price quotes annually are likely to switch to a new company because they stand a good chance of finding a policy with better rates. A recent survey found that people who regularly shopped around saved over $72 a month compared to policyholders who never compared prices.
If finding the best rates on auto insurance in Fresno is your target objective, then having some insight into how to find and compare insurance coverage can make it simple to find affordable coverage.
You should take the time to shop coverage around every six months because auto insurance prices are constantly changing. Despite the fact that you may have had the best quotes on Nissan Titan insurance in Fresno a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to teach you one of the easiest ways to save money, get proper coverage and the best rates.
How to buy Fresno Nissan Titan insurance online
When comparison shopping, more quotes increases your odds of finding a better price.
The following companies are ready to provide price comparisons in California. If multiple companies are listed, it’s highly recommended you visit several of them to find the most affordable car insurance rates.
Nissan Titan insurance rate analysis
The premium information below outlines different prices for Nissan Titan models. Understanding more about how insurance prices are formulated can help customers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $296 | $584 | $424 | $26 | $126 | $1,456 | $121 |
| Titan XE King Cab 2WD | $334 | $584 | $530 | $32 | $158 | $1,638 | $137 |
| Titan XE Crew Cab 4WD | $334 | $584 | $424 | $26 | $126 | $1,494 | $125 |
| Titan SE King Cab 4WD | $334 | $584 | $424 | $26 | $126 | $1,494 | $125 |
| Titan XE Crew Cab 2WD | $334 | $584 | $530 | $32 | $158 | $1,638 | $137 |
| Titan SE King Cab 2WD | $334 | $584 | $530 | $32 | $158 | $1,638 | $137 |
| Titan SE Crew Cab 4WD | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Titan Pro-4X King Cab 4WD | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Titan SE Crew Cab 2WD | $334 | $688 | $530 | $32 | $158 | $1,742 | $145 |
| Titan Pro-4X Crew Cab 4WD | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Titan LE Crew Cab 4WD | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Titan LE Crew Cab 2WD | $372 | $688 | $530 | $32 | $158 | $1,780 | $148 |
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific location which can impact rates considerably.
Physical damage deductible comparison
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The tables below outline how much more you’ll pay when you buy lower versus higher deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Titan XE King Cab 2WD | $386 | $576 | $552 | $32 | $166 | $1,737 | $145 |
| Titan XE Crew Cab 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Titan SE King Cab 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Titan XE Crew Cab 2WD | $386 | $576 | $552 | $32 | $166 | $1,737 | $145 |
| Titan SE King Cab 2WD | $386 | $576 | $552 | $32 | $166 | $1,737 | $145 |
| Titan SE Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Titan Pro-4X King Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Titan SE Crew Cab 2WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Titan Pro-4X Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Titan LE Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Titan LE Crew Cab 2WD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Titan XE King Cab 2WD | $314 | $464 | $552 | $32 | $166 | $1,528 | $127 |
| Titan XE Crew Cab 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Titan SE King Cab 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Titan XE Crew Cab 2WD | $314 | $464 | $552 | $32 | $166 | $1,528 | $127 |
| Titan SE King Cab 2WD | $314 | $464 | $552 | $32 | $166 | $1,528 | $127 |
| Titan SE Crew Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Titan Pro-4X King Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Titan SE Crew Cab 2WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| Titan Pro-4X Crew Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Titan LE Crew Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Titan LE Crew Cab 2WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can influence insurance rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $18 more each month or $216 every year across all Nissan Titan models than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have more than 14 months between claims, you would probably come out ahead if you choose a higher deductible.
Gender-based car insurance rates by age
The chart below shows the comparison of Nissan Titan premium costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Do you need full coverage?
The information below shows the difference between Nissan Titan premium costs with liability coverage only compared to full coverage. The premiums are based on no violations or accidents, $250 deductibles, single status, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no specific rule to delete comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Nissan Titan replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for full coverage, then you might consider buying liability only.
There are some cases where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Compare prices but buy from a local neighborhood Fresno car insurance agent
A lot of people would rather buy from a licensed agent and that can be a smart move A good thing about getting free rate quotes online is you may find the best rates and still choose a local agent.
To help locate an agent, after submitting this quick form, your information is emailed to insurance agents in Fresno who will give you quotes for your auto insurance coverage. There is no need to contact any agents due to the fact that quote results will go to you instantly. You can find the lowest rates without having to waste a lot of time. If you want to get a price quote from a specific auto insurance provider, just navigate to their website and complete a quote there.
Choosing the best insurer requires you to look at more than just a cheap price. These are some valid questions you should ask.
- Is the coverage adequate for your vehicle?
- If they are an independent agency in Fresno, which companies do they recommend?
- How many years have they been established?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How many years of experience in personal auto insurance do they have?
When researching a reliable insurance agent, you need to know there are two types of insurance agents and how they can write your policy. Auto insurance agencies may be either exclusive or independent.
Exclusive Agents
Agents that elect to be exclusive can only place business with one company such as State Farm or Allstate. Exclusive agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents mainly due to the prominent brand name rather than having low rates.
Below is a list of exclusive insurance agents in Fresno who can help you get comparison quotes.
- Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600 – View Map - Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766 – View Map - Tim Franz – State Farm Insurance Agent
5534 E Kings Canyon Rd – Fresno, CA 93727 – (559) 251-3777 – View Map
Independent Agencies or Brokers
Independent insurance agents are normally appointed by many insurers and that is an advantage because they can write policies with an assortment of companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house and the insured can keep the same agent.
When searching for an agent, you absolutely need to get several quotes from several independent insurance agents to ensure the widest selection of prices. Most also write with additional companies that you may not be familiar with that may provide cheaper auto insurance rates.
Listed below are Fresno independent insurance agencies that can give you rate quotes.
- Agri-Center Insurance Inc
2650 W Shaw Ln – Fresno, CA 93711 – (559) 233-0123 – View Map - New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644 – View Map - New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644 – View Map