Cheap Oklahoma City Nissan Titan Insurance

A recent study showed that most Oklahoma insurance customers have been with the same company for more than four years, and nearly the majority have never shopped around. American insurance shoppers could save themselves almost 47% a year by just comparing quotes, but they don’t believe the rate savings if they switched to a more affordable policy.

Insurance rates Nissan Titan in Oklahoma CityIf you want to save the most money, the best way to find better pricing on Nissan Titan insurance in Oklahoma City is to start comparing prices yearly from insurers who sell insurance in Oklahoma. You can compare rates by following these steps.

One piece of advice is that you’ll want to make sure you compare identical coverage information on each price quote and and to look at all possible companies. This ensures a fair price comparison and a thorough price selection.

Nissan Titan insurance rate analysis

The coverage table shown below covers estimates of coverage prices for Nissan Titan models. Knowing how auto insurance prices are formulated can assist in making informed purchases.

Nissan Titan Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $282 $472 $448 $26 $134 $1,362 $114
Titan XE King Cab 2WD $318 $472 $560 $34 $168 $1,552 $129
Titan XE Crew Cab 4WD $318 $472 $448 $26 $134 $1,398 $117
Titan SE King Cab 4WD $318 $472 $448 $26 $134 $1,398 $117
Titan XE Crew Cab 2WD $318 $472 $560 $34 $168 $1,552 $129
Titan SE King Cab 2WD $318 $472 $560 $34 $168 $1,552 $129
Titan SE Crew Cab 4WD $318 $554 $448 $26 $134 $1,480 $123
Titan Pro-4X King Cab 4WD $318 $554 $448 $26 $134 $1,480 $123
Titan SE Crew Cab 2WD $318 $554 $560 $34 $168 $1,634 $136
Titan Pro-4X Crew Cab 4WD $318 $554 $448 $26 $134 $1,480 $123
Titan LE Crew Cab 4WD $318 $554 $448 $26 $134 $1,480 $123
Titan LE Crew Cab 2WD $354 $554 $560 $34 $168 $1,670 $139
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific garaging location which can lower or raise prices substantially.

Rate difference between full and liability-only coverage

The chart below compares Nissan Titan premium costs with liability coverage only compared to full coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop paying for full coverage

There is no definitive formula to stop buying physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Nissan Titan claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your deductible. If it’s costing you more than $800 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Lower Your Oklahoma City Insurance Premiums

Smart consumers have a good feel for some of the elements that help calculate the price you pay for car insurance. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in better car insurance rates.

Use credit responsibly and save – Credit score is likely to be a major factor in determining premium rates. Consumers who have high credit ratings tend to file fewer claims than those with worse credit. If your credit rating is not that good, you could potentially save money when insuring your Nissan Titan if you clean up your credit.

Being married can lower costs – Walking down the aisle can actually save you money on your policy. It means you’re more stable financially and insurance companies reward insureds because married couples file fewer claims.

Don’t let your car insurance lapse – Not maintaining insurance is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, not being able to provide proof of insurance may result in a revoked license or a big fine. You may need to submit proof of financial responsibility or a SR-22 with the Oklahoma motor vehicle department.

Policy add-ons may be wasting money – There are quite a few extra bells and whistles you can purchase when buying car insurance. Insurance for vanishing deductibles, towing coverage, and extra life insurance coverage are probably not needed. They may seem good at first, but now you might not need them so remove them and pocket the money.

Battle of the sexes – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean women are better drivers. Men and women tend to get into accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations like reckless driving and DUI.

The diagram below illustrates the difference between Nissan Titan auto insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $250 deductibles, single marital status, and no discounts are applied to the premium.

Insurance companies don’t like frequent car insurance claims – Auto insurance companies in Oklahoma provide the lowest premiums to people who are claim-free. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.

Nissan Titan insurance loss probability – Insurers analyze the history of losses to help determine the price you pay. Vehicles that the data shows to have higher frequency or amount of claims will have higher premium rates. The information below illustrates the actual insurance loss data for Nissan Titan vehicles.

For each coverage type, the loss probability for all vehicles compiled together is a value of 100. Values below 100 suggest a positive loss record, while numbers that are greater than 100 point to more claims or an increased chance of a larger loss.

Nissan Titan Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Titan Crew Cab 2WD 95 127 120
Nissan Titan Crew Cab 4WD 95 137 109 77 99 108
Nissan Titan Ext Cab 2WD 117 111
Nissan Titan Ext Cab 4WD 106 107

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

What is the best car insurance company in Oklahoma City?

Finding the best insurance company is hard considering how many companies there are to choose from in Oklahoma. The company information in the next section could help you pick which insurers you want to consider shopping prices with.

Top Car Insurance Companies in Oklahoma City
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Persistent drivers can save

We just covered many tips how you can get a better price on Nissan Titan insurance in Oklahoma City. The key thing to remember is the more you quote Oklahoma City car insurance, the better your comparison will be. Drivers may even discover the lowest auto insurance rates come from an unexpected company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Some companies may not have online price quotes and most of the time these regional carriers only sell coverage through local independent agents. Cheaper Nissan Titan insurance in Oklahoma City is available both online and also from your neighborhood Oklahoma City agents, and you should be comparing both to get a complete price analysis.

Much more information about car insurance in Oklahoma is available at the links below