Do you want an efficient way to compare the cheapest Nissan Armada insurance in Orlando? Do you get confused by the crazy number of car insurance sources in Orlando? There are so many options that it is a chore to locate the lowest car insurance rates for Nissan Armada insurance in Orlando. Everyone knows that Orlando has lots to offer, but inflated car insurance prices can make it hard to keep a tight budget.
It’s shocking but almost 70% of insureds in Florida have stayed with the same insurance company for at least the last four years, and practically 40% of car insurance customers have never compared rates to find cheap insurance. Most drivers in the U.S. could save themselves nearly $850 a year just by getting comparison quotes, but they won’t spend time to compare rate quotes.
Companies offering Nissan Armada insurance in Orlando
The car insurance companies shown below have been selected to offer price comparisons in Florida. If you want cheap auto insurance in FL, we suggest you get rate quotes from several of them in order to find the cheapest rates.
Insurance coverage details
The premium table shown next highlights detailed analysis of insurance rates for Nissan Armada models. Having insight into how auto insurance policy rates are calculated can be valuable when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $332 | $500 | $366 | $22 | $110 | $1,330 | $111 |
| Armada SE 4WD | $332 | $588 | $366 | $22 | $110 | $1,418 | $118 |
| Armada Titanium 2WD | $332 | $588 | $366 | $22 | $110 | $1,418 | $118 |
| Armada Titanium 4WD | $332 | $588 | $366 | $22 | $110 | $1,418 | $118 |
| Armada Platinum 2WD | $332 | $588 | $366 | $22 | $110 | $1,418 | $118 |
| Armada Platinum 4WD | $368 | $588 | $366 | $22 | $110 | $1,454 | $121 |
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in Orlando location which can raise or lower rates greatly.
Car insurance deductibles
One frequently asked question is where should you set your physical damage deductibles. The rates shown below may help to conceptualize how much more you’ll pay between high and low deductibles. The first rate estimation uses a $100 deductible for comp and collision 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 | $406 | $648 | $354 | $20 | $106 | $1,559 | $130 |
| Armada SE 4WD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Armada Titanium 2WD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Armada Titanium 4WD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Armada Platinum 2WD | $406 | $764 | $354 | $20 | $106 | $1,675 | $140 |
| Armada Platinum 4WD | $452 | $764 | $354 | $20 | $106 | $1,721 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $224 | $342 | $354 | $20 | $106 | $1,046 | $87 |
| Armada SE 4WD | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Armada Titanium 2WD | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Armada Titanium 4WD | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Armada Platinum 2WD | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Armada Platinum 4WD | $250 | $402 | $354 | $20 | $106 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in zip code location which can affect premiums substantially.
Based on these figures, using a $100 deductible will cost you about $47 more each month or $564 each year than buying the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 19 months between claim filings, you would come out ahead by going with a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $139 |
| Average monthly premium for $1,000 deductibles (subtract): | – $92 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One big caveat is that increasing deductibles to save money means you will have to pay more of your own money at claim time. You need to make sure you have some money saved in the event you need to pay the higher deductible.
Careless driving habits raise car insurance rates
The example below demonstrates how traffic citations and at-fault claims drive up Nissan Armada insurance premiums for each age group. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The chart below shows the difference between Nissan Armada insurance premiums with full physical damage coverage compared to only buying liability only. Data assumes no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
When to eliminate full coverage
There is no definitive guideline for phasing out full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Nissan Armada claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for your policy with full coverage, then it might be time to buy liability only.
There are a few situations where only buying liability is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
Insurance Premium Influencing Factors
Lots of things are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other factors are more obscure such as whether you are married or your financial responsibility. The best way to find cheaper auto insurance is to take a look at some of the things that help calculate the price you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower premium levels.
- Why do you need liability protection? – The liability coverage on your policy kicks in when you are found liable for physical damage or personal injury to other. It will provide you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
- Alarms and GPS tracking lower auto insurance rates – Selecting a car model with anti-theft technology or alarm system can save you a little every year. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
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The type of vehicle you drive affects your costs – The performance of the car, truck or SUV you are insuring makes a huge difference in your premium level. The cheapest insurance rates are generally reserved for smaller low performance passenger cars, but that’s not the only thing that factors into the final price.
The next chart uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Nissan Armada rates compared to other vehicles that have different performance risks.
- High credit scores save money – Having a bad credit score factor in calculating your premium rate. So if your credit score is lower than you’d like, you could potentially save money when insuring your Nissan Armada by repairing your credit. Insureds with high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores.
- Bump up coverage deductibles to lower rates – Comprehensive and collision coverage deductibles represent how much money the insured will be required to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of some claims that would be covered could be collision with another vehicle, animal collisions, and damage from wind. The more money you’re willing to pay, the less your auto insurance will be.
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Loss statistics for a Nissan Armada – Insurers use data from past claims in order to profitably underwrite each model. Models that the data determines to have a trend towards higher claim severity or frequency will have higher premium rates.
The table below shows the actual insurance loss data for Nissan Armada vehicles. For each coverage category, the loss probability for all vehicles combined as an average is considered to be 100. Numbers shown that are under 100 suggest a positive loss record, while values that are above 100 point to more claims or statistically larger claims.
Insurance Loss Ratings for Nissan Armada Vehicles 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get cheaper Nissan Armada insurance rates in Orlando
Companies that sell car insurance don’t always list the entire discount list very well, so we break down a few of the more well known as well as the least known credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, you are throwing money away.
- Discounts for Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
- ABS Brakes – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
- Switch and Save Discount – Some larger companies give discounts for switching policies before your current expiration date. You can save around 10% with this discount.
- Drive Less and Save – Driving less could qualify for lower rates due to less chance of an accident.
- Driving Data Discount – Drivers that enable their company to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as they are good drivers.
- Auto/Home Discount – If you have multiple policies with one insurance company you may save as much as 10 to 15 percent.
- Safe Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Senior Citizen Discount – Drivers that qualify as senior citizens could receive reduced rates.
We need to note that some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will lower your premiums.
The illustration below shows the difference between Nissan Armada auto insurance costs with and without policy discounts. The premium estimates are based on a female driver, no violations or accidents, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.
A partial list of companies who may offer some of the above discounts may include but are not limited to:
If you are trying to find cheaper Orlando auto insurance quotes, ask every insurance company to apply every possible discount. Some discounts might not be offered on policies in your state.
Comparing prices from local Orlando insurance agents
A lot of people just prefer to go talk to an agent and doing that can be a smart decision One of the benefits of comparing auto insurance online is you may find the lowest rates and still have a local agent.
For easy comparison, once you complete this short form, your coverage information is immediately sent to participating agents in Orlando that give free quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies since price quotes are sent to you. Get lower rates without a big time investment. If for some reason you want to compare prices from a specific insurance company, you can always search and find their rate quote page and fill out the quote form the provide.
Picking the best insurer requires more thought than just the quoted price. These are valid questions to ask:
- How many years of experience in personal auto insurance do they have?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is every driver in your family covered?
- Are there any discounts that you might be missing?
- How will an accident affect your rates?
- Is the agency involved in supporting local community causes?
Orlando auto insurance agents are either independent or exclusive
When looking for a good insurance agency, it can be helpful to understand the different agency structures and how they differ in how they quote coverages. Auto insurance policy providers are classified as either independent agents or exclusive agents.
Exclusive Auto Insurance Agents
Agents of this type are contracted to one company and some examples include Farmers Insurance, State Farm, or Allstate. They usually cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on the products they sell and that can be a competitive advantage. Some consumers prefer to choose to use a exclusive agent partially due to loyalty to the company and strong financial ratings.
Below is a short list of exclusive insurance agents in Orlando that can give you rate quotes.
- GEICO Insurance Agent
5005 E Colonial Dr – Orlando, FL 32803 – (407) 897-7157 – View Map - Chris Vella – State Farm Insurance Agent
992 N Semoran Blvd – Orlando, FL 32807 – (407) 898-8836 – View Map - Bruce Baltich – State Farm Insurance Agent
198 S Semoran Blvd – Orlando, FL 32807 – (407) 273-9170 – View Map
Independent Insurance Agents
Agents of this type are not restricted to one company so they can quote policies with multiple insurance companies and find you cheaper rates. If premiums increase, your agent can just switch to a different company and you can keep the same agent. When shopping rates, you will definitely want to compare prices from a few independent agents in order to compare the most rates. Many can place coverage with different regional companies which may have better rates.
Below are independent agencies in Orlando that can give you price quote information.
- GreatFlorida Insurance – Don Greene
1300 N Semoran Blvd Suite 180 – Orlando, FL 32807 – (407) 894-6363 – View Map - worldwide insurance agency
4697 Rose Coral Dr #7 – Orlando, FL 32808 – (407) 616-7894 – View Map - Orlando Insurance Agency
5764 N Orange Blossom Trail – Orlando, FL 32810 – (407) 901-2103 – View Map
Auto insurance companies ranked
Ending up with a high-quality company can be a challenge considering how many different companies insure vehicles in Florida. The ranking information in the next section can help you pick which auto insurers to look at purchasing coverage from.
Top 10 Orlando 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 Orlando Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Cheaper car insurance is a realistic goal
People switch companies for any number of reasons including unfair underwriting practices, lack of trust in their agent, questionable increases in premium or even high rates after DUI convictions. Whatever your reason, finding the right car insurance provider is not as hard as you think.
As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best cost while not skimping on critical coverages.
You just learned a lot of tips how to lower your Nissan Armada insurance premium rates in Orlando. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with the least-expected company.
Steps to finding cheaper quotes for Nissan Armada insurance in Orlando
The best way we recommend to get the cheapest Nissan Armada insurance in Orlando is to start doing a yearly price comparison from insurance carriers that insure vehicles in Florida.
- Learn about how auto insurance works and the factors you can control to prevent expensive coverage. Many rating factors that cause rate increases such as speeding tickets, accidents and a poor credit score can be controlled by making minor driving habit or lifestyle changes.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can provide prices from multiple companies.
- Compare the new rates to your existing rates and determine if there is any savings. If you find a better price and switch companies, make sure there is no lapse in coverage.
- Tell your current company to cancel the current policy and submit a completed policy application and payment to the new company. Immediately upon receiving it, put the certificate verifying coverage in an accessible location in your vehicle.
An important bit of advice to remember is that you’ll want to make sure you compare similar coverage information on each quote and to quote with as many companies as possible. Doing this provides an apples-to-apples comparison and maximum price selection.
Additional information is located at the links below
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has the Cheapest Orlando Car Insurance Quotes for High Risk Drivers? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance for Veterans? (FAQ)
- Who Has the Cheapest Orlando Car Insurance for 17 Year Olds? (FAQ)
- What Insurance is Cheapest for a Chevrolet Silverado in Orlando? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Understanding Your Insurance Deductible (Insurance Information Institute)