If you are new to online price comparisons, chances are good that you are baffled due to the large number of online companies competing for business in Chicago.
A recent NerdWallet.com study revealed that most consumers have remained with the same insurance company for at least four years, and almost 40% of drivers have never even compared rates from other companies. Drivers in Chicago can cut their rates by up to 40% a year by just shopping around, but they just don't understand the big savings they would realize if they just switched companies.
This article will teach you how to get online quotes and how to save the most money. If you have a policy now, you stand a good chance to be able to find the best rates using this strategy. But Illinois car owners do need to know the way insurance companies sell insurance online because rates fluctuate considerably.
To get affordable Chicago car insurance quotes, there a variety of ways of comparing rates from all the different companies. One of the best ways to compare Nissan Titan insurance prices is to use the internet to compare rates.
When comparing car insurance rates, know that more quotes helps you find the best rates.
The auto insurance companies shown below are our best choices to provide quotes in Chicago, IL. If multiple companies are shown, we suggest you get rate quotes from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $108 | $210 | $274 | $16 | $82 | $690 | $58 |
| Titan XE King Cab 2WD | $218 | $398 | $342 | $20 | $102 | $1,080 | $90 |
| Titan XE Crew Cab 4WD | $160 | $214 | $342 | $20 | $102 | $838 | $70 |
| Titan SE King Cab 4WD | $176 | $282 | $246 | $14 | $74 | $792 | $66 |
| Titan XE Crew Cab 2WD | $218 | $398 | $368 | $22 | $110 | $1,116 | $93 |
| Titan SE King Cab 2WD | $120 | $210 | $342 | $20 | $102 | $794 | $66 |
| Titan SE Crew Cab 4WD | $168 | $298 | $268 | $16 | $80 | $830 | $69 |
| Titan Pro-4X King Cab 4WD | $110 | $214 | $250 | $14 | $76 | $664 | $55 |
| Titan SE Crew Cab 2WD | $120 | $260 | $368 | $22 | $110 | $880 | $73 |
| Titan Pro-4X Crew Cab 4WD | $252 | $492 | $352 | $20 | $106 | $1,222 | $102 |
| Titan LE Crew Cab 4WD | $198 | $406 | $250 | $14 | $76 | $944 | $79 |
| Titan LE Crew Cab 2WD | $158 | $268 | $306 | $18 | $92 | $842 | $70 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location which can affect coverage rates substantially.
Policy deductibles
The information below highlights how deductible choice and can increase or decrease Nissan Titan insurance prices for different insured age categories. The data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Cost difference between full coverage and liability
The diagram below visualizes the comparison of Nissan Titan yearly insurance costs with full coverage and liability only. The premium estimates are based on no violations or claims, $250 deductibles, married male driver, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no definitive guideline of when to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.
For example, let's assume your Nissan Titan book value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying more than $300 a year for full coverage, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.
How high should deductibles be?
One frequently asked question is how high should the deductibles for physical damage be. The data tables below may help to conceptualize the differences in price between high and low physical damage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| Titan XE King Cab 2WD | $228 | $340 | $326 | $20 | $98 | $1,037 | $86 |
| Titan XE Crew Cab 4WD | $228 | $340 | $262 | $16 | $78 | $949 | $79 |
| Titan SE King Cab 4WD | $228 | $340 | $262 | $16 | $78 | $949 | $79 |
| Titan XE Crew Cab 2WD | $228 | $340 | $326 | $20 | $98 | $1,037 | $86 |
| Titan SE King Cab 2WD | $228 | $340 | $326 | $20 | $98 | $1,037 | $86 |
| Titan SE Crew Cab 4WD | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Titan Pro-4X King Cab 4WD | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Titan SE Crew Cab 2WD | $228 | $400 | $326 | $20 | $98 | $1,097 | $91 |
| Titan Pro-4X Crew Cab 4WD | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Titan LE Crew Cab 4WD | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Titan LE Crew Cab 2WD | $254 | $400 | $326 | $20 | $98 | $1,123 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Titan XE King Cab 4WD | $164 | $274 | $262 | $16 | $78 | $794 | $66 |
| Titan XE King Cab 2WD | $186 | $274 | $326 | $20 | $98 | $904 | $75 |
| Titan XE Crew Cab 4WD | $186 | $274 | $262 | $16 | $78 | $816 | $68 |
| Titan SE King Cab 4WD | $186 | $274 | $262 | $16 | $78 | $816 | $68 |
| Titan XE Crew Cab 2WD | $186 | $274 | $326 | $20 | $98 | $904 | $75 |
| Titan SE King Cab 2WD | $186 | $274 | $326 | $20 | $98 | $904 | $75 |
| Titan SE Crew Cab 4WD | $186 | $322 | $262 | $16 | $78 | $864 | $72 |
| Titan Pro-4X King Cab 4WD | $186 | $322 | $262 | $16 | $78 | $864 | $72 |
| Titan SE Crew Cab 2WD | $186 | $322 | $326 | $20 | $98 | $952 | $79 |
| Titan Pro-4X Crew Cab 4WD | $186 | $322 | $262 | $16 | $78 | $864 | $72 |
| Titan LE Crew Cab 4WD | $186 | $322 | $262 | $16 | $78 | $864 | $72 |
| Titan LE Crew Cab 2WD | $206 | $322 | $326 | $20 | $98 | $972 | $81 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific location which can affect coverage rates greatly.
Using the data above, we can ascertain that using a $250 deductible costs about $12 more each month or $144 annually than opting for the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would probably come out ahead by going with a higher deductible.
How to determine if higher deductibles are a good idea
| Average monthly premium for $250 deductibles: | $85 |
| Average monthly premium for $500 deductibles (subtract): | - $73 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 - $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important note is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will require some money saved in the event you have to pay the deductible to have repairs made.
Lower rates by qualifying for discounts
Car insurance can cost a lot, but you may find discounts to help bring down the price. Many discounts should be triggered when you get a quote, but occasionally some discounts must be inquired about before being credited.
- Military Deployment Discount - Having an actively deployed family member can result in better prices.
- Discount for New Cars - Insuring a new Titan can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
- Professional Organizations - Being in a civic or occupational organization in Chicago could earn you a nice discount when shopping for auto insurance.
- Low Mileage - Driving less may allow you to get lower auto insurance rates due to less chance of an accident.
- Telematics Data - Insureds who allow companies to scrutinize vehicle usage by using a telematics device like Allstate's Drivewise could possibly reduce rates if their driving habits are good.
- Own a Home and Save - Owning a home in Chicago may trigger a policy discount on auto insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
- Auto/Home Discount - If you can combine your auto and home policy and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
- Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.
- Multiple Cars - Buying a policy with all your vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
One thing to note about discounts is that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, you aren't that lucky.
To see a list of companies with discount rates in Chicago, follow this link.
Insuring your Nissan vehicle just makes sense
Even though it can be expensive, buying insurance may be mandatory for several reasons.
First, almost all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to license the vehicle. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you took out a loan on your vehicle, more than likely the lender will require you to buy insurance to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the bank or lender will purchase a policy for your Nissan for a lot more money and force you to reimburse them much more than you were paying before.
Third, insurance protects both your assets and your vehicle. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. But the average American driver overpays more than $869 every year so shop around at least once a year to save money.
Situations that may require an agent's advice
Always keep in mind that when comparing the right insurance coverage, there really is not a perfect coverage plan. Your financial needs are unique so your insurance needs to address that.
These are some specific questions could help you determine if you might need an agent's assistance.
- Do I need special coverage while pulling a rented trailer?
- How much coverage applies to personal belongings?
- Do I need special endorsements for business use of my vehicle?
- Should I file a claim if it's only slightly more than my deductible?
- Do I have coverage if my license is suspended?
- Am I covered if I drive in a foreign country?
If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Insurance agent or online?
Certain consumers prefer to talk to an insurance agent and that is recommended in a lot of cases A nice benefit of getting online price quotes is the fact that you can find lower prices and still have an agent to talk to. And buying from neighborhood insurance agencies is definitely important in Chicago.
By using this form (opens in new window), the quote information is transmitted to local insurance agents in Chicago who will give you bids for your insurance coverage. You don't have to leave your computer as quotes are delivered straight to your inbox. You can get cheaper insurance rates and a licensed agent to work with. In the event you want to compare rates from one company in particular, feel free to find their quoting web page and fill out the quote form the provide.
Types of auto insurance agents
If you need to find a reliable insurance agency, it's important to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agencies in Chicago are considered either independent (non-exclusive) or exclusive.
Independent Insurance Agents
These type of agents are not employed by any specific company so they can insure your vehicles with an assortment of companies and find the cheapest insurance rates. If you are not satisfied with one company, an independent agent can move your coverage which is easy for the insured.
When searching for an agent, we highly recommend that you get several quotes from several independent insurance agents to have the most options to choose from. Many independent agencies also insure through less well-known companies which can be an advantage.
The following is a list of independent insurance agencies in Chicago that may be able to provide rate quotes.
- Active Insurance Agency - Auto Insurance
1034 N Ashland Ave - Chicago, IL 60622 - (773) 286-3473 - View Map - ABI Insurance Agency
4806 N Milwaukee Ave - Chicago, IL 60630 - (773) 202-9666 - View Map - American Auto Insurance
3201 N Harlem Ave #1 - Chicago, IL 60634 - (773) 286-3500 - View Map
Exclusive Insurance Agents
Exclusive insurance agents can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agents are usually well trained in insurance sales which helps them sell insurance even at higher premiums. A lot of people choose to use an exclusive agent partially due to the brand rather than having the cheapest rates.
The following are exclusive agencies in Chicago who can help you get price quote information.
- Mark Yun - State Farm Insurance Agent
223 W Cermak Rd, Fl-2 - Chicago, IL 60616 - (312) 225-8311 - View Map - Mark Mackey - State Farm Insurance Agent
3338 W Foster Ave - Chicago, IL 60625 - (773) 604-4334 - View Map - Sylvia Torres Underhill - State Farm Insurance Agent
2422 S Oakley Ave - Chicago, IL 60608 - (773) 376-1166 - View Map
Finding a good insurance agent is decision based upon more than just the premium amount. Any good agent in Chicago should know the answers to these questions.
- Do they offer rental car reimbursement?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they carry Errors and Omissions coverage?
- Which insurance company do they prefer to write with?
- Do they have any clout with companies to ensure a fair claim settlement?
Upon receiving good responses for all questions you ask in addition to an acceptable price estimate, you may have found an auto insurance agent that meets the criteria to provide insurance coverage.