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.
If 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.
- Step 1: Take a few minutes and learn about car insurance and the changes you can make to prevent high rates. Many risk factors that result in higher prices such as getting speeding tickets and poor credit can be improved by making minor driving habit or lifestyle changes. Keep reading for more ideas to find cheap prices and get discounts that may be available to you.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can provide price quotes from many different companies.
- Step 3: Compare the new quotes to your existing rates and see if there is a cheaper rate. If you can save some money, ensure coverage does not lapse between policies.
- Step 4: Tell your current company to cancel your current policy and submit a signed application and payment to your new insurance company. Don’t forget to place your new proof of insurance certificate with your vehicle’s registration.
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.
| 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.
| 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.
| 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: Insure.com 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
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has Cheap Oklahoma City Auto Insurance for Government Employees? (FAQ)
- How Much are Car Insurance Rates for Low Mileage Drivers in Oklahoma City? (FAQ)
- Who Has Affordable Oklahoma City Car Insurance for Uber Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Handicapped Drivers in Oklahoma City? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers with Good Credit in Oklahoma City? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Young Drivers: The High Risk Years Video (iihs.org)