The most effective way to get the cheapest car insurance rates is to start doing an annual price comparison from insurance carriers who sell auto insurance in Nashville.
- First, get an understanding of how car insurance works and the measures you can control to drop your rates. Many policy risk factors that result in higher prices such as speeding tickets, careless driving and a bad credit score can be remedied by making minor changes in your lifestyle. Keep reading for instructions to keep prices down and find overlooked discounts.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive and State Farm, while independent agents can provide rate quotes from many different companies. Click to view companies
- Third, compare the new rate quotes to the price on your current policy to determine if you can save on Armada insurance. If you find a better price, verify that coverage does not lapse between policies.
The most important part of shopping around is to try to use similar deductibles and liability limits on every price quote and and to compare as many different insurance providers as possible. This ensures an apples-to-apples comparison and a complete selection of prices.
Unfortunately, most car insurance customers kept their policy with the same company for four years or more, and approximately 38% of consumers have never taken the time to shop around. Many consumers in Tennessee could save up to 35% a year, but they don’t know how much money they would save if they changed companies.
Finding the cheapest coverage in Nashville is really not that difficult. If you have a policy now or just want cheaper coverage, use these techniques to shop for the lowest rates and still have adequate protection. Drivers just have to use the best way to shop for car insurance online.
Most larger insurance companies like Progressive, Allstate and GEICO allow you to get prices for coverage on their websites. Getting online quotes for Nissan Armada insurance in Nashville can be done by anyone as you simply type in the amount of coverage you want on the page. After you submit the form the quote system gets your driving record and credit report and generates pricing information based on the information you submitted.
The ability to get online quotes for Nissan Armada insurance in Nashville simplifies rate comparisons, and it’s also necessary to perform this step in order to get the cheapest insurance rates.
To compare pricing, consider comparing rates from the companies shown below. To compare your current rates, we recommend that you enter the coverages identical to your current policy. This guarantees you are getting a price comparison for similar insurance coverage.
The providers in the list below provide price quotes in Nashville, TN. If you wish to find the best car insurance in Nashville, we recommend you get rate quotes from several of them to find the lowest auto insurance rates.
Discounts for cheap auto insurance quotes
Insuring your vehicles can cost a lot, but companies offer discounts that may help make it more affordable. Some of these discounts will be visible when you get a quote, but lesser-known reductions have to be inquired about before they will apply.
- Student in College – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
- Passive Restraints – Options like air bags may get savings up to 30%.
- Braking Control Discount – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more on Armada insurance in Nashville.
- Payment Method – By paying your policy upfront instead of making monthly payments you could save 5% or more.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
It’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.
The information below visualizes the comparison of Nissan Armada premium costs with and without discounts applied to the policy premium. The data assumes a male driver, no violations or claims, Tennessee state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.
Larger auto insurance companies and their possible discounts are outlined below.
- Progressive has savings for good student, online signing, continuous coverage, homeowner, multi-vehicle, and multi-policy.
- The Hartford may offer discounts for bundle, air bag, vehicle fuel type, driver training, and defensive driver.
- Mercury Insurance offers discounts for ease of repair, multi-policy, good driver, good student, and anti-theft.
- GEICO includes discounts for federal employee, daytime running lights, air bags, emergency military deployment, defensive driver, and multi-policy.
- AAA may include discounts for good student, multi-car, multi-policy, anti-theft, and pay-in-full.
- State Farm has discounts for anti-theft, accident-free, good driver, multiple autos, student away at school, driver’s education, and Steer Clear safe driver discount.
When quoting, ask every company which discounts they offer. Some discounts may not apply in Nashville. If you would like to view providers that provide some of the discounts listed above in Nashville, follow this link.
Rates and other information
The premium table shown next highlights different prices for Nissan Armada models. Being aware of how car insurance prices are figured can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $176 | $312 | $278 | $16 | $84 | $866 | $72 |
| Armada SE 4WD | $176 | $368 | $278 | $16 | $84 | $922 | $77 |
| Armada Titanium 2WD | $176 | $368 | $278 | $16 | $84 | $922 | $77 |
| Armada Titanium 4WD | $176 | $368 | $278 | $16 | $84 | $922 | $77 |
| Armada Platinum 2WD | $176 | $368 | $278 | $16 | $84 | $922 | $77 |
| Armada Platinum 4WD | $196 | $368 | $278 | $16 | $84 | $942 | $79 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in specific location which can change rates significantly.
Deductible analysis
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below can help illustrate the rate fluctuation between low and high physical damage coverage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $252 | $376 | $246 | $14 | $74 | $987 | $82 |
| Armada SE 4WD | $252 | $444 | $246 | $14 | $74 | $1,055 | $88 |
| Armada Titanium 2WD | $252 | $444 | $246 | $14 | $74 | $1,055 | $88 |
| Armada Titanium 4WD | $252 | $444 | $246 | $14 | $74 | $1,055 | $88 |
| Armada Platinum 2WD | $252 | $444 | $246 | $14 | $74 | $1,055 | $88 |
| Armada Platinum 4WD | $280 | $444 | $246 | $14 | $74 | $1,083 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $156 | $236 | $246 | $14 | $74 | $726 | $61 |
| Armada SE 4WD | $156 | $278 | $246 | $14 | $74 | $768 | $64 |
| Armada Titanium 2WD | $156 | $278 | $246 | $14 | $74 | $768 | $64 |
| Armada Titanium 4WD | $156 | $278 | $246 | $14 | $74 | $768 | $64 |
| Armada Platinum 2WD | $156 | $278 | $246 | $14 | $74 | $768 | $64 |
| Armada Platinum 4WD | $174 | $278 | $246 | $14 | $74 | $786 | $66 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in vehicle garaging location which can impact auto insurance rates substantially.
Based on this data, using a $250 deductible will cost in the ballpark of $23 more each month or $276 a year than requesting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 33 months between claims, you would probably be better off if you choose a higher deductible. Below is an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $87 |
| Average monthly premium for $1,000 deductibles (subtract): | – $64 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 33 months |
One important issue to know is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you file a claim. You will want to have enough extra savings in the event you have to pay the deductible to have repairs made.
Illustration showing the impact of accidents and violations
The information below illustrates how speeding tickets and accidents raise Nissan Armada auto insurance rates for different age groups of insureds. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Annual premiums comparing men and women
The information below shows the comparison of Nissan Armada car insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Quote Nissan Armada Insurance Cheaper
Multiple criteria are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are less obvious like your continuous coverage or your vehicle rating. When buying auto insurance it’s important to understand some of the elements that come into play when calculating the level of your policy premiums. If you have a feel for what determines premiums, this enables informed choices that may reward you with lower premium levels.
Your address can impact rates – Choosing to live in less populated areas may provide you with better prices when trying to find low car insurance rates. Less people corresponds to lower accident rates and a lower car theft rate. Drivers who live in large Tennessee cities tend to have more traffic problems and longer commutes to work. More time on the road means more chance of being in an accident.
Discounts for alarm systems – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent auto theft and help lower rates.
If you don’t need it don’t buy it – There are many add-on coverages that can waste your money if you don’t pay attention. Insurance for vanishing deductibles, towing coverage, and membership fees could be just wasting money. You may think they are a good idea when buying your policy, but if they’re wasting money eliminate them to save money.
Cheaper rates after marriage – Having a wife or husband may cut your premiums on your auto insurance bill. Having a significant other usually means you are more stable financially it has been statistically shown that married drivers get in fewer accidents.
Bad credit hurts insurance prices – A driver’s credit score can be a huge factor in determining what you pay. Drivers who have very high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit. So if your credit history is lower than you’d like, you may save money insuring your Nissan Armada if you clean up your credit.
Infrequent drivers can save – The more miles you rack up on your Nissan each year the higher your rate. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. A policy that improperly rates your Armada can result in significantly higher rates. Double check that your policy is showing the correct driver usage, because improper ratings can cost you money.
Avoid coverage lapses – Allowing your coverage to lapse is a quick way to pay more for auto insurance. Not only will you pay higher rates, getting caught without coverage can result in fines or a revoked license.
Nissan Armada claim probability – Companies use past loss statistics for each vehicle when they calculate premium prices for each model. Vehicles that are shown to have a higher amount or frequency of claims will cost more for coverage. The table below illustrates the insurance loss data used by companies for Nissan Armada vehicles.
For each insurance policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Values that are below 100 suggest losses that are better than average, while values over 100 point to more frequent losses or tendency to have larger claims.
| 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Nashville insurance agents
Many drivers prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Experienced insurance agents can make sure you are properly covered and give you someone to call. The biggest benefit of comparing rate quotes online is that you can obtain cheap auto insurance quotes and also buy local.
To find an agent, once you fill out this form (opens in new window), your coverage information is instantly submitted to companies in Nashville that can provide free Nashville auto insurance quotes for your auto insurance coverage. You won’t even need to even leave your home due to the fact that quote results will go directly to you. If you want to get a comparison quote from a specific auto insurance provider, don’t hesitate to navigate to their website and complete a quote there.
Finding a good provider shouldn’t rely on just the price. These are some questions your agent should answer.
- Can they help ensure a fair claim settlement?
- What is the agency’s Better Business Bureau rating?
- How many years have they been established?
- Is working in the agency their full-time job?
- Can they give you a list of client referrals?
- Where would your vehicle be repaired?
- Are they giving you every discount you deserve?
If you would like to find a reliable insurance agency, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents are classified as either exclusive or independent (non-exclusive). Either type can write policy coverage, but it is important to understand why they differ since it may influence buying decisions.
Exclusive Insurance Agencies
These agents can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to give you multiple price quotes so they really need to provide good service. Exclusive agents are usually well trained on the products they sell and that can be a competitive advantage. Some people will only choose to use a exclusive agent mainly due to the brand rather than low price.
Shown below are Nashville exclusive insurance agencies willing to provide price quotes.
- Roy Arnold – State Farm Insurance Agent
2600 Lebanon Pike a – Nashville, TN 37214 – (615) 871-0663 – View Map - Adam Darby – State Farm Insurance Agent
7041 Hwy 70 S #101 – Nashville, TN 37221 – (615) 869-7600 – View Map - Ray Watts – State Farm Insurance Agent
4703 Gallatin Pike – Nashville, TN 37216 – (615) 228-1338 – View Map
Independent Auto Insurance Agencies
Agents of this type do not have single company limitations so they can write business with an assortment of companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier which makes it simple for you.
If you are trying to find cheaper rates, it’s a good idea to compare quotes from at least one independent agent to have the best price comparison. Many can place coverage with smaller regional carriers that many times have cheaper rates.
Shown below are Nashville independent insurance agents willing to provide price quotes.
- MJC Insurance Group
1506 Church St Suite 2 – Nashville, TN 37203 – (615) 873-1988 – View Map - Nationwide Insurance: Gaffney Insurance Agency and Financial Services LLC
946 Jefferson St #103 – Nashville, TN 37208 – (615) 733-3133 – View Map - Greater Nashville Insurance
208 McGavock Pike A – Nashville, TN 37214 – (615) 885-5882 – View Map
Tennessee auto insurance companies
Ending up with the top insurance company can be challenging considering how many companies there are to choose from in Nashville. The company rank data listed below can help you decide which auto insurance companies to look at putting your business with.
Top 10 Nashville Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Nashville Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
Don’t give up on affordable premiums
People who switch companies do it for a number of reasons such as delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.
As you shop your coverage around, do not buy poor coverage just to save money. Too many times, someone sacrificed collision coverage and found out when filing a claim that the savings was not a smart move. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.
You just learned a lot of techniques to find lower-cost Nissan Armada insurance in Nashville. It’s most important to understand that the more you quote Nashville auto insurance, the better likelihood of getting affordable Nissan Armada insurance quotes. You may even find the best rates are with an unexpected company.
To learn more, feel free to browse these articles:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Much are Car Insurance Rates for a Ford F-150 in Nashville? (FAQ)
- How Much are Auto Insurance Rates for Good Drivers in Nashville? (FAQ)
- Who Has Cheap Nashville Car Insurance Rates for Lyft Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for a 20 Year Old Female in Nashville? (FAQ)
- Who Has Affordable Nashville Auto Insurance Quotes for a Company Car? (FAQ)
- Rollover Crash FAQ (iihs.org)
- Safe Vehicles for Teens (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)