Pricey car insurance in Houston can consume your checking account, especially in this economy. Comparing rates annually is recommended to cut your insurance bill.
Unfortunately, nearly 70% of consumers kept their coverage with the same car insurance company for more than four years, and just under half have never even compared rates from other companies. With the average premium in Texas being $2,680, drivers can save 70% each year just by shopping around, but they don’t understand how simple it is to find affordable car insurance rates.
Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest price on Nissan Titan insurance in Houston.
Most companies such as 21st Century, Allstate and State Farm make it easy to get coverage price quotes on their websites. Doing online price comparisons for Nissan Titan insurance in Houston can be done by anyone as you simply enter the coverage amounts you desire into the quote form. Once you submit the form, the company’s rating system pulls your driving record and credit report and returns a price quote based on the data you entered. Getting online quotes for Nissan Titan insurance in Houston makes comparing rates easy, and it’s very important to do this in order to find the cheapest price on insurance.
To quickly find out how much you’re overpaying now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you input the coverages identical to your current policy. This helps ensure you will receive an apples-to-apples comparison for similar insurance coverage.
The companies shown below provide free quotes in Houston, TX. If multiple companies are listed, we recommend you get rates from several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$230||$422||$366||$22||$110||$1,150||$96|
|Titan XE King Cab 2WD||$256||$412||$448||$26||$134||$1,276||$106|
|Titan XE Crew Cab 4WD||$160||$266||$366||$22||$110||$924||$77|
|Titan SE King Cab 4WD||$256||$412||$358||$22||$108||$1,156||$96|
|Titan XE Crew Cab 2WD||$158||$260||$448||$26||$134||$1,026||$86|
|Titan SE King Cab 2WD||$198||$352||$620||$36||$186||$1,392||$116|
|Titan SE Crew Cab 4WD||$232||$486||$430||$26||$128||$1,302||$109|
|Titan Pro-4X King Cab 4WD||$232||$462||$400||$24||$120||$1,238||$103|
|Titan SE Crew Cab 2WD||$246||$434||$490||$30||$146||$1,346||$112|
|Titan Pro-4X Crew Cab 4WD||$198||$416||$496||$30||$148||$1,288||$107|
|Titan LE Crew Cab 4WD||$410||$858||$514||$30||$154||$1,966||$164|
|Titan LE Crew Cab 2WD||$222||$360||$486||$28||$146||$1,242||$104|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle location which can affect premium rates significantly.
Full coverage rates compared to liability-only
The diagram below shows the comparison of Nissan Titan auto insurance costs with and without physical damage coverage. The premiums are based on no accidents or driving violations, $250 deductibles, married male driver, and no discounts are taken into consideration.
When to buy liability coverage only
There is no clear-cut formula to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your Nissan Titan replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after paying your deductible. If premiums are more than $300 annually for your policy with full coverage, then it may be the right time to buy liability only.
There are some cases where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Auto insurance policy discounts you can’t miss
Car insurance companies do not list every discount in a way that’s easy to find, so here is a list a few of the more common and the more hidden discounts you could be receiving when you buy Houston auto insurance online.
- Professional Memberships – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount on your bill.
- Accident Forgiveness – This one isn’t a discount, but certain companies will allow you to have one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- Data Collection Discounts – People who choose to allow their company to spy on vehicle usage by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they show good driving skills.
- Defensive Driving Course – Participating in a course teaching defensive driving skills can save you 5% or more and easily pay for the cost of the class.
- Discounts for New Vehicles – Buying a new car model can save you some money because newer vehicles are generally safer.
Discounts lower rates, but many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.
To locate insurers that provide some of the discounts listed above in Texas, click here.
Why insurance is not optional
Despite the high insurance cost for a Nissan Titan in Houston, insuring your vehicle is most likely required but also gives you several important benefits.
First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, almost every bank will require that you have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may buy a policy for your Nissan for a much higher rate and force you to pay the higher price.
Third, insurance protects your Nissan Titan and your assets. It also can pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of having insurance outweigh the cost, particularly for liability claims. But the average driver in Texas overpays as much as $855 a year so you should quote and compare rates at least once a year to ensure rates are inline.
When it comes to choosing the best car insurance coverage, there is no “perfect” insurance plan. Your situation is unique so your insurance needs to address that.
For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.
- Am I covered by my spouse’s policy after a separation?
- Can my teen driver be rated on a liability-only vehicle?
- What is the premium to book value ratio for dropping full coverage?
- Can my babysitter drive my car?
- Should I rate my Nissan Titan as pleasure use or commute?
- Can I get by with minimal medical coverage if I have good health insurance?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
When should I contact an agent?
A small number of people still prefer to buy from a local agent and that is a personal choice. One of the best bonuses of getting free rate quotes online is you can get the lowest rates and still have a local agent.
By using this quick form, your insurance coverage information is sent to insurance agents in Houston who will give you bids for your insurance coverage. You won’t even need to visit any agencies since price quotes are sent immediately to your email address. You can most likely find cheaper rates and work with a local agent. If you have a need to get a rate quote from a specific company, just navigate to their website and give them your coverage information.
Choosing an insurer should include more criteria than just a low price. The answers to these questions are important, too.
- Is the coverage adequate for your vehicle?
- Are they able to provide referrals?
- Which family members are covered?
- How many years have they been established?
- Do they prorate repair cost based on vehicle mileage?
- Does the agent help file claims?
When narrowing the list to find a good insurance agency, there are a couple of different agency structures and how they can write your policy. Insurance agents are considered either exclusive or independent.
Exclusive Insurance Agents
Exclusive agents write business for a single company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to compare rates from other companies so they have no alternatives for high prices. These agents are well schooled on the products they sell and that enables them to sell even at higher rates.
The following are exclusive insurance agencies in Houston who may provide you with price quotes.
Independent Agencies or Brokers
Agents of this type are not limited to a single company and that allows them to write policies with an assortment of companies and potentially find a lower price. To move your coverage to a new company, your agent can just switch to a different company and you won’t have to switch agencies. When searching for an agent, it’s a good idea to compare quotes from at least one independent agent for maximum quote selection.
Below are independent agencies in Houston who can help you get price quotes.
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map
Insurance policy specifics
Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from insurance companies.
Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as hitting a mailbox, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible on your Titan to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like fire damage, damage from a tornado or hurricane, damage from flooding and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, ambulance fees and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Titan.
Since a lot of drivers carry very low liability coverage limits (30/60/25 in Texas), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Liability car insurance – This coverage can cover injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 30/60/25 which stand for a $30,000 limit per person for injuries, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as medical expenses, legal defense fees, structural damage, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more liability than the minimum.