Cheap Nissan Armada Insurance in Long Beach

It takes a few minutes, but the best way to find discount Nissan Armada insurance in Long Beach is to make a habit of regularly comparing prices from insurance carriers in California.

  1. Get a basic knowledge of the different coverages in a policy and the steps you can take to prevent rate increases. Many factors that result in higher prices like distracted driving and poor credit history can be rectified by improving your driving habits or financial responsibility.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple companies.
  3. Compare the new rates to your current policy premium to see if you can save by switching companies. If you can save money and buy the policy, make sure coverage does not lapse between policies.
  4. Notify your company or agent to cancel your current coverage and submit any necessary down payment along with the completed application for the new coverage. Immediately upon receiving it, keep the new proof of insurance certificate in an easily accessible location in your vehicle.

The most important part of this process is to try to compare the same coverage limits and deductibles on each price quote and and to get rates from as many carriers as you can. Doing this enables an apples-to-apples comparison and a complete price analysis.

Insurance quote for Nissan Armada in Long BeachAnyone knows that insurance companies don’t want you shop around. Insureds who rate shop once a year are inclined to buy a different policy because there is a good chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that consumers who made a habit of comparing rates saved $860 a year compared to policyholders who don’t regularly compare prices.

If finding budget-friendly Nissan Armada insurance is your intention, then having some knowledge of how to shop for coverage rates can save time, money, and frustration.

If you are insured now, you should be able to reduce premiums using the following tips. Buying the lowest cost auto insurance policy in Long Beach is not as confusing as people think. Although California consumers need to learn how insurance companies charge you for coverage and use it to your advantage.

Ways to get Nissan Armada insurance quotes in Long Beach, California

When quoting insurance, remember that more quotes increases your odds of finding a better price. Some companies don’t provide Long Beach Armada insurance quotes online, so it’s necessary to compare price estimates on coverage from those companies, too.

The car insurance companies shown below are our best choices to provide free quotes in Long Beach, CA. To locate the best cheap auto insurance in Long Beach, CA, we suggest you click on several of them to get the best price comparison.

Car insurance statistics for a Nissan Armada

The coverage information shown next showcases estimates of insurance coverage prices for Nissan Armada models. Having a better idea how auto insurance prices are calculated can assist in making decisions on which coverage to buy.

Nissan Armada Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Armada SE 2WD $358 $464 $492 $30 $148 $1,492 $124
Armada SE 4WD $358 $546 $492 $30 $148 $1,574 $131
Armada Titanium 2WD $358 $546 $492 $30 $148 $1,574 $131
Armada Titanium 4WD $358 $546 $492 $30 $148 $1,574 $131
Armada Platinum 2WD $358 $546 $492 $30 $148 $1,574 $131
Armada Platinum 4WD $398 $546 $492 $30 $148 $1,614 $135
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific Long Beach garaging location which can affect premium rates greatly.

Physical damage deductibles

One common question asked by Long Beach drivers is what deductibles to buy. The rates shown below summarize how much more you’ll pay of buying low and high deductibles. The first data set uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Nissan Armada insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Armada SE 2WD $386 $576 $376 $22 $112 $1,497 $125
Armada SE 4WD $386 $678 $376 $22 $112 $1,599 $133
Armada Titanium 2WD $386 $678 $376 $22 $112 $1,599 $133
Armada Titanium 4WD $386 $678 $376 $22 $112 $1,599 $133
Armada Platinum 2WD $386 $678 $376 $22 $112 $1,599 $133
Armada Platinum 4WD $430 $678 $376 $22 $112 $1,643 $137
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Nissan Armada insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Armada SE 2WD $238 $362 $376 $22 $112 $1,110 $93
Armada SE 4WD $238 $426 $376 $22 $112 $1,174 $98
Armada Titanium 2WD $238 $426 $376 $22 $112 $1,174 $98
Armada Titanium 4WD $238 $426 $376 $22 $112 $1,174 $98
Armada Platinum 2WD $238 $426 $376 $22 $112 $1,174 $98
Armada Platinum 4WD $266 $426 $376 $22 $112 $1,202 $100
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in your specific Long Beach location which can increase or decrease premiums considerably.

Based on the figures above, using a $250 deductible will cost you approximately $34 more each month or $408 every year across all Nissan Armada models than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 22 months between claims, you would more than likely save some money going with the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $132
Average monthly premium for $1,000 deductibles (subtract): – $98
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important note is that a higher deductible level means you will have to pay more when you do file a claim. You will want to have enough money in the bank in the event you have to pay the higher deductible.

Do you need full coverage?

The illustration below illustrates the comparison of Nissan Armada insurance costs with full coverage and liability only. The rate quotes are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no written rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Nissan Armada claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are paying more than $500 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Seven Things That Influence Your Insurance Costs

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that come into play when calculating the price you pay for auto insurance. When consumers understand what influences your rates, this allows you to make good choices that may reward you with lower rates.

The itemized list below are some of the items that factor into your rates.

Discounts for auto and home policies – The majority of companies afford discounts to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to help ensure you have the lowest rates. Consumers may save more without the discount by insuring with multiple companies.

Traffic violations drive up premiums – Having a clean driving record impacts premiums far more than you think. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Getting just one ticket can bump up the cost by as much as twenty percent. Drivers who have gotten dangerous violations like reckless driving or DUI may find they need to maintain a SR-22 with their state DMV in order to legally drive a vehicle.

The example below demonstrates how speeding tickets and at-fault accidents can increase Nissan Armada insurance premiums for different age groups. The prices are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

High premiums for teen drivers – Teenage drivers in California have been known to be careless and easily distracted when driving with friends and because of this, their auto insurance rates are much higher. If you’ve ever had to add a teenage driver to your auto insurance policy can increase premiums substantially. Older drivers are shown to be more cautious, cause fewer claims and accidents, and tend to be get fewer driving tickets.

The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Better auto insurance rates on safer vehicles – Vehicles with high crash test scores cost less to insure. Vehicles built for safety protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates. If your Nissan Armada has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Pay more of a claim out-of-pocket – Comprehensive and collision coverage deductibles tell how much you are willing to pay if the claim is covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply are rear-ending another vehicle, damage caused by hail, and having a roll-over accident. The more of the claim you have to pay, the less money you will pay for auto insurance.

Being married brings a discount – Getting married may save some money when buying auto insurance. Marriage may mean you are more financially stable and insurance companies like that drivers who are married are more cautious.

Insurance costs and driver gender – Statistics demonstrate that women are safer drivers than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men have accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore have the most expensive auto insurance rates.

The chart below visualizes the comparison of Nissan Armada annual premium costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $100 deductibles, marital status is single, and no discounts are factored in.

Nissan Armada historical loss data – Car insurance companies use historical loss data when determining insurance prices. Models that statistically have increased losses will cost more for coverage. The table below demonstrates the insurance loss data for Nissan Armada vehicles.

For each type of coverage, the claim probability for all vehicles combined as an average is considered to be 100. Values under 100 imply a favorable loss record, while numbers above 100 point to more losses or statistically larger losses.

Nissan Armada Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Armada 4dr 2WD 94 104 93 106 87
Nissan Armada 4dr 4WD 123 120 109 91 69

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Auto insurance in California serves several purposes

Despite the potentially high cost of Nissan Armada insurance, buying auto insurance may be required for several reasons.

The benefits of insuring your car more than cancel out the cost, particularly for liability claims. But the average American driver is currently overpaying as much as $855 a year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.