Smart shoppers know that auto insurance companies want to prevent you from shopping around. Insureds who compare rates once a year will presumably switch companies because the odds are good of finding lower prices. A recent car insurance study revealed that drivers who regularly compared rates saved over $3,500 over four years compared to those who never shopped around for cheaper prices.
If finding the best price on Nissan Armada insurance is your ultimate goal, then understanding how to compare insurance premiums can make the process less intimidating.
If you want to find the absolute lowest rates, then the best way to get discount Nissan Armada insurance in Oakland is to annually compare prices from insurance carriers that sell auto insurance in California.
- Read and learn about individual coverages and the steps you can take to drop your rates. Many rating factors that are responsible for high rates such as high-risk driving behaviors and bad credit can be improved by making lifestyle changes or driving safer. This article provides additional ideas to lower rates and find additional discounts you may qualify for.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for many different companies.
- Compare the new rates to your current policy premium to see if cheaper Armada coverage is available. If you find a lower rate quote, make sure there is no coverage gap between policies.
- Provide adequate notice to your current company to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application to your new insurance company. As soon as you can, put the proof of insurance paperwork in your glove compartment.
An important bit of advice to remember is to try to use similar coverage information on every price quote and and to look at as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and many rates to choose from.
Our goal in writing this article let you in on the best way to quote coverages and also save some money in the process If you are insured now, you will surely be able to cut your premiums using this information. Drivers just need to know the proper methods to shop for auto insurance on the web.
Best companies for Nissan Armada insurance
The auto insurance companies shown below are ready to provide free rate quotes in California. If you want the best auto insurance in CA, it’s highly recommended you visit as many as you can to find the most affordable auto insurance rates.
Rates and data analysis
The data table shown next highlights estimates of insurance policy prices for Nissan Armada models. Learning more about how insurance quotes are established can be valuable when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $204 | $354 | $394 | $24 | $118 | $1,094 | $91 |
| Armada SE 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| Armada Titanium 2WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| Armada Titanium 4WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| Armada Platinum 2WD | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| Armada Platinum 4WD | $228 | $418 | $394 | $24 | $118 | $1,182 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific zip code location which can revise price quotes considerably.
How high should deductibles be?
One frequently asked question is how high or low should comp and collision deductibles be. The comparison tables below highlight the rate differences when you select higher and lower coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second set of prices 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Prices do not factor in garaging location in Oakland which can change auto insurance rates substantially.
Using the data above, we can ascertain that using a $100 deductible will cost you about $49 more each month or $588 for a full year averaged for all Armada models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 18 months between claim filings, you would come out ahead going with the higher deductible.
Auto insurance premiums based on gender
The diagram below shows the comparison of Nissan Armada insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are factored in.
You may qualify for discounts for Nissan Armada insurance in Oakland
The cost of insuring your cars can be expensive, but you might find some hidden discounts that you may not even know about. Many of these discounts will be applied automatically when you purchase, but a few need to be specially asked for before they will apply.
- Early Payment Discounts – By making one initial payment rather than paying monthly you could save 5% or more.
- Discount for Home Ownership – Being a homeowner can help you save on auto insurance since owning and maintaining a home requires personal responsibility.
- Anti-theft System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
- Student Discounts – This discount may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Life Insurance Discount – Larger auto insurance companies have a discount if you purchase some life insurance in addition to your auto policy.
- Early Signing – A few larger companies allow discounts for buying a new policy before your current coverage expires. You could save around 10% when you buy Oakland car insurance online.
Consumers should know that most credits do not apply to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky.
The example below illustrates the comparison of Nissan Armada auto insurance costs with and without discounts applied. The rates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-car, and multi-policy discounts applied.
Insurance companies that may offer most of these discounts include:
Before purchasing a policy, check with each insurance company to apply every possible discount. Some discounts might not be offered on policies in your area. To choose providers that provide some of the discounts listed above in Oakland, click here.
Local Oakland auto insurance agents
Many people still like to talk to an insurance agent and often times that is recommended Good insurance agents are trained risk managers and give you someone to call. A good thing about getting free rate quotes online is you can get the lowest rates and still buy from a local agent. Buying from and supporting neighborhood agents is especially important in Oakland.
To find an agent, once you fill out this quick form, your insurance data is immediately sent to companies in Oakland who want to provide quotes for your insurance coverage. There is no need to visit any agencies because prices are sent to your email. If you wish to compare prices from a particular provider, you just need to find their quoting web page to submit a rate quote request.
Independent or Exclusive: It’s your choice
When narrowing the list to find a reputable insurance agent or broker, you must know there are a couple different agency structures and how they can service your needs differently. Agents are either exclusive agents or independent agents. Either one can sell and service insurance coverage, but it’s important to know the differences since it can affect your agent selection.
Independent Agencies or Brokers
Independent agents do not have single company limitations so they can quote policies with multiple insurance companies and find the cheapest rate. To transfer your coverage to a different company, they simply move your policy to a different company which requires no work on your part. If you are comparing rate quotes, you definitely need to compare prices from a couple of independent agencies so that you can do a thorough price comparison. Many write coverage with smaller companies that may provide cheaper insurance rates.
Featured below is a short list of independent agents in Oakland who may provide free price quotes.
- Greater Metrowest Insurance Agency
Oakland, CA 94612 – Oakland, CA 94612 – (510) 444-1404 – View Map - Fiesta Auto Insurance Center
4102 International Blvd – Oakland, CA 94601 – (510) 261-1300 – View Map - Ruth Stroup Insurance Agency
3560 Grand Ave – Oakland, CA 94610 – (510) 874-5700 – View Map
Exclusive Insurance Agents
Agents of this type generally can only insure with one company such as Allstate, Farmers Insurance or State Farm. They usually cannot shop your coverage around so you might not find the best rates. Exclusive agencies are well trained on sales techniques which helps overcome the inability to quote other rates. Many people choose to use an exclusive agent partially due to loyalty to the company and solid financial strength.
The following is a list of exclusive insurance agencies in Oakland willing to provide rate quotes.
- Farmers Insurance – Sam Cheng
388 9th St #259 – Oakland, CA 94607 – (510) 893-3978 – View Map - State Farm: Grantland Bailey
2115 MacArthur Blvd – Oakland, CA 94602 – (510) 482-7700 – View Map - Farmers Insurance – Lorraine Yip Yung
1168 Franklin St – Oakland, CA 94607 – (510) 832-5113 – View Map
Finding the right car insurance agent needs to be determined by more than just the quoted price. Get answers to these questions too.
- Is there a 24/7 contact number?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they primarily personal or commercial lines agents in Oakland?
- Are you getting all the discounts the company offers?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will a damage claim use OEM or aftermarket replacement parts?
If you feel you receive acceptable answers to any questions you have and an acceptable price quote, you may have found an insurance agency that will service your policy.
Smart shoppers get results
People switch companies for any number of reasons including denial of a claim, high prices, an unsatisfactory settlement offer or delays in responding to claim requests. It doesn’t matter why you want to switch finding the right insurance provider is not as hard as you think.
Cheaper insurance in Oakland can be purchased on the web and from local agencies, so you need to quote Oakland car insurance with both to have the best rate selection. Some insurance providers do not provide the ability to get quotes online and most of the time these smaller providers work with independent agencies.
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your aim should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.
Much more information about insurance in California is available on the following sites:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Handicapped Drivers in Oakland? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Neck Injury FAQ (iihs.org)
- Vehicle Size and Weight FAQ (iihs.org)