Getting the cheapest Riverside Nissan Armada insurance quotes might seem somewhat difficult for people who are beginners to quoting and comparing and buying car insurance online. With such a large choice of insurers available, how can anyone be able to compare every car insurance company to find cheaper car insurance rates?
Anyone knows that auto insurance companies want to keep your business as long as possible. People who shop rates annually will probably buy a different policy because they have a good chance of finding coverage at a more affordable price. Remarkably, a study showed that consumers who did price comparisons regularly saved approximately $70 a month as compared to drivers who never compared rates.
If finding the best price on Nissan Armada insurance is your intention, learning how to find companies and compare insurance can make shopping around easier.
Informed Consumers Know How to Get Insurance for Less
It’s important that you understand a few of the rating criteria that help determine your premiums. If you understand what determines base rates, this allows you to make educated decisions that may result in lower rates. Many different elements are taken into consideration when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are not as apparent such as your marital status or your financial responsibility.
The list below includes some of the most rate-impacting factors used by insurance companies to determine rates.
- Vocation stress can make you pay more – Jobs such as judges, airline pilots, and medical professionals tend to have higher rates than the rest of us due to high stress levels and lengthy work days. On the flip side, careers such as scientists, engineers and the unemployed generally pay rates lower than average.
- Get cheaper premiums after the wedding – Having a significant other may save some money when shopping for insurance. Marriage generally demonstrates drivers are more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
- Safer vehicles lower premiums – Vehicles that have high safety ratings get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means less claims paid which can result in lower premiums.
- Extra coverages push up costs – There are many additional coverages that you can buy on your Armada policy. Insurance for things like personal injury protection, towing, and membership fees are examples of these. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
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Insurance loss probability for a Nissan Armada – Companies analyze the history of losses in order to profitably underwrite each model. Vehicles that the data determines to have a trend towards higher claim severity or frequency will have higher rates.
The next table shows the insurance loss data used by companies for Nissan Armada vehicles. For each coverage type, the claim probability for all vehicles averaged together equals 100. Percentage numbers below 100 suggest a positive loss record, while numbers above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
Nissan Armada Insurance Loss Statistics Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Low cost Nissan Armada insurance prices in Riverside, CA
When looking for inexpensive Riverside auto insurance quotes, there are a couple ways to compare rate quotes from lots of California insurance companies. The fastest way to comparison shop is to get quotes online. Just remember that quoting more will increase your chances of finding a lower rate than you’re paying now. Not every company provides online price quotes, so you should also compare rates from those companies as well.
The providers in the list below offer free quotes in California. If more than one company is shown, we suggest you click on several of them to get the best price comparison.
Car insurance statistics and figures
The information shown next highlights different insurance prices for Nissan Armada models. Having a good grasp of how insurance policy rates are established can benefit drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $428 | $708 | $508 | $30 | $152 | $1,826 | $152 |
| Armada SE 4WD | $428 | $834 | $508 | $30 | $152 | $1,952 | $163 |
| Armada Titanium 2WD | $428 | $834 | $508 | $30 | $152 | $1,952 | $163 |
| Armada Titanium 4WD | $428 | $834 | $508 | $30 | $152 | $1,952 | $163 |
| Armada Platinum 2WD | $428 | $834 | $508 | $30 | $152 | $1,952 | $163 |
| Armada Platinum 4WD | $476 | $834 | $508 | $30 | $152 | $2,000 | $167 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates considerably.
Higher deductibles lower rates
One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The figures shown below outline the differences in price between high and low policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Armada SE 4WD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Armada Titanium 2WD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Armada Titanium 4WD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Armada Platinum 2WD | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Armada Platinum 4WD | $478 | $810 | $376 | $22 | $112 | $1,823 | $152 |
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| 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 |
| 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 zip code location which can revise premium rates considerably.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $49 more each month or $588 a year than opting for the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 18 months between claim filings, you would come out ahead going with the higher deductible.
How to calculate deductible break even period
| Average monthly premium for $100 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $49 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $49 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Violations and accidents raise rates
The illustration below shows how violations and at-fault collisions increase Nissan Armada car insurance rates for different insured age categories. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
How much more does full coverage cost in Riverside?
The chart below illustrates the comparison of Nissan Armada insurance costs with and without physical damage coverage. The premiums are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no written rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Nissan Armada claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after paying your deductible. If you are paying more than $300 annually for your policy with full coverage, then you might consider buying liability only.
There are some cases where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Why you need insurance
Despite the high cost, buying insurance may be mandatory for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require specific limits of liability insurance in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a lienholder, most lenders will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Nissan at a significantly higher premium and require you to pay a much higher amount than you were paying before.
- Insurance protects not only your car but also your assets. It will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance are definitely more than the cost, especially when you need to use it. According to a recent study, the average American driver is wasting up to $865 each year so it’s important to compare rates once a year at a minimum to be sure current rates are still competitive.
Discounts mean cheaper rates for Nissan Armada insurance in Riverside
Car insurance is not cheap, but you might find some hidden discounts that can dramatically reduce your bill. Most are applied when you complete an application, but some need to be inquired about before you will receive the discount.
- Claim Free – Drivers who don’t have accidents pay much less as opposed to insureds who have frequent claims or accidents.
- Riverside Homeowners Discount – Owning a house in Riverside can save you money because owning a home requires a higher level of personal finance.
- Club Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your next insurance statement.
- E-sign Discounts – Some of the larger companies will give you a small discount get Riverside auto insurance digitally online.
- Telematics Devices – Insureds who allow their insurance company to study driving patterns by using a telematic data system such as State Farm’s In-Drive could save a few bucks if they exhibit good driving behavior.
- Low Mileage Discounts – Low annual miles can earn slightly better insurance rates than normal.
- One Accident Forgiven – This one isn’t a discount, but a few companies such as GEICO, Progressive, and Allstate will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
- Anti-theft Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- More Vehicles More Savings – Insuring several vehicles on the same insurance policy may reduce the rate for each vehicle.
You should keep in mind that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you aren’t that lucky.
The example below shows the difference between Nissan Armada yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, multi-policy, and safe-driver discounts applied.
The best insurance companies and some of the premium reductions they offer can be found below.
- Farmers Insurance may have discounts that include alternative fuel, business and professional, mature driver, electronic funds transfer, bundle discounts, good student, and youthful driver.
- State Farm discounts include defensive driving training, Steer Clear safe driver discount, passive restraint, good student, and student away at school.
- Liberty Mutual may offer discounts for new graduate, new vehicle discount, teen driver discount, newly retired, multi-policy, newly married, and new move discount.
- MetLife offers premium reductions for good driver, good student, accident-free, claim-free, defensive driver, and multi-policy.
- Progressive includes discounts for multi-policy, homeowner, good student, multi-vehicle, online signing, online quote discount, and continuous coverage.
Before purchasing a policy, check with each company or agent to apply every possible discount. All car insurance discounts may not be offered in your state. To view providers with the best Nissan Armada insurance discounts in California, click here to view.
Local Riverside auto insurance agents and insurance
Certain consumers just prefer to go talk to an agent and often times that is recommended A nice benefit of getting online price quotes is that drivers can save money and get cheaper prices but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information is immediately sent to companies in Riverside who will return price quotes for your insurance coverage. You won’t even need to search for any insurance agencies since price quotes are sent immediately to your email address. You can find lower rates without a big time investment. If you need to get a rate quote from one company in particular, you just need to search and find their rate quote page and submit a quote form there.
Choosing an insurer should include more criteria than just the premium amount. Any agent in Riverside should be willing to answer these questions.
- Do they offer accident forgiveness?
- Will they make sure you get an adequate claim settlement?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How experienced are they in personal risk management?
- If you raise deductibles, how much can you save?
- Can glass repairs be made at your home?
Shown below are agents in Riverside that may be able to provide price quotes for Nissan Armada insurance in Riverside.
- Farmers Insurance: Edward Lavalle
19318 Jesse Ln Ste 200 – Riverside, CA 92508 – (951) 222-3038 – View Map - Farmers Insurance – Anna Ramirez
3590 Central Ave #212 – Riverside, CA 92506 – (951) 274-0047 – View Map - Allstate Insurance: Mike Ponce
1525 3rd St b – Riverside, CA 92507 – (951) 784-0951 – View Map - Bergman Insurance
6281 Brockton Ave # 2 – Riverside, CA 92506 – (951) 684-3624 – View Map
Compare but don’t skimp
When shopping online for car insurance, do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice physical damage coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.
Consumers change insurance companies for many reasons like unfair underwriting practices, high prices, being labeled a high risk driver and even policy cancellation. Regardless of your reason, switching car insurance companies is less work than it seems.
Throughout this article, we presented many tips how you can lower your Nissan Armada insurance prices in Riverside. The key concept to understand is the more you quote Riverside auto insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a small local company.
How to find discount Nissan Armada insurance in Riverside
If you want to save the most money, the best way to find discount auto insurance rates is to do a yearly price comparison from insurance carriers who sell insurance in Riverside. Rate comparisons can be done by following these guidelines.
- Step 1: Try to understand how insurance companies determine prices and the factors you can control to lower rates. Many rating criteria that increase rates like multiple speeding tickets and a less-than-favorable credit rating can be improved by making small lifestyle or driving habit changes.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agents can provide price quotes for a wide range of companies.
- Step 3: Compare the quotes to your current policy and see if there is a cheaper rate in Riverside. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
- Step 4: Provide notification to your current company of your decision to cancel your current auto insurance policy and submit a completed policy application and payment to the new company. Once the paperwork is finalized, put the new certificate verifying coverage in your vehicle’s glove compartment or console.
A good piece of advice is to try to use the same physical damage deductibles and liability limits on every quote and to quote with every insurance company. This helps ensure a fair price comparison and a complete rate analysis.
Much more information about car insurance in California is available at the links below
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much is Riverside Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers with Accidents in Riverside? (FAQ)
- Who Has the Cheapest Riverside Car Insurance for Immigrants? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Santa Fe in Riverside? (FAQ)
- What Auto Insurance is Cheapest for a Ford Edge in Riverside? (FAQ)
- What Auto Insurance is Cheapest for Uber Drivers in Riverside? (FAQ)
- What is Full Coverage? (Allstate)
- Determining Auto Insurance Rates (GEICO)
- Booster Seat Ratings (iihs.org)