Save on Nissan Titan Insurance in Boston

If you want to find the absolute lowest rates, then the best way to get budget Nissan Titan insurance is to start comparing rates regularly from insurance carriers who can sell car insurance in Boston.

  1. Spend some time learning about individual coverages and the things you can change to keep rates down. Many things that cause rate increases such as careless driving and poor credit can be rectified by making small lifestyle or driving habit changes.
  2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can quote rates from multiple insurance companies. View a list of agents
  3. Compare the price quotes to the premium of your current policy to determine if you can save on Titan insurance in Boston. If you can save some money and buy the policy, ensure coverage does not lapse between policies.
  4. Give proper notification to your current agent or company of your intent to cancel your current coverage. Submit a completed policy application and payment to the new company. Immediately keep the new proof of insurance certificate with your vehicle’s registration.

An important bit of advice to remember is to make sure you’re comparing similar coverage information on every price quote and and to get price quotes from as many companies as possible. Doing this helps ensure a fair price comparison and plenty of rates choose from.

Insurance for Nissan TitanIt’s shocking but 70% of consumers have remained with the same car insurance company for a minimum of four years, and approximately 38% of consumers have never even shopped around for lower-cost coverage. Drivers in Boston could save an average of roughly 45% each year, but they just assume it takes a lot of time to compare rate quotes.

If you have a current insurance policy or are looking for a new policy, use these tips to find the best rates and possibly find even better coverage. Finding affordable coverage in Boston is really quite easy. Consumers just have to learn the most efficient way to compare different rates using one simple form.

The companies in the list below can provide free quotes in Boston, MA. If you wish to find cheap car insurance in Boston, it’s highly recommended you visit as many as you can to find the lowest car insurance rates.

Three good reasons to insure your Nissan Titan

Despite the high cost, insurance is required in Massachusetts but also provides important benefits.

The benefits of buying enough insurance greatly outweigh the cost, especially with large liability claims. Today the average American driver is currently overpaying as much as $865 each year so shop around once a year at a minimum to ensure rates are inline.

Car insurance data for a Nissan Titan

The premium table displayed next outlines detailed analysis of prices for Nissan Titan models. Being aware of how insurance prices are figured can aid in making smart policy decisions.


Nissan Titan Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $328 $520 $438 $26 $132 $1,444 $120
Titan XE King Cab 2WD $370 $520 $548 $32 $164 $1,634 $136
Titan XE Crew Cab 4WD $370 $520 $438 $26 $132 $1,486 $124
Titan SE King Cab 4WD $370 $520 $438 $26 $132 $1,486 $124
Titan XE Crew Cab 2WD $370 $520 $548 $32 $164 $1,634 $136
Titan SE King Cab 2WD $370 $520 $548 $32 $164 $1,634 $136
Titan SE Crew Cab 4WD $370 $612 $438 $26 $132 $1,578 $132
Titan Pro-4X King Cab 4WD $370 $612 $438 $26 $132 $1,578 $132
Titan SE Crew Cab 2WD $370 $612 $548 $32 $164 $1,726 $144
Titan Pro-4X Crew Cab 4WD $370 $612 $438 $26 $132 $1,578 $132
Titan LE Crew Cab 4WD $370 $612 $438 $26 $132 $1,578 $132
Titan LE Crew Cab 2WD $412 $612 $548 $32 $164 $1,768 $147
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can alter price quotes greatly.

Deductible comparison

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The comparison tables below help summarize the difference in cost between high and low physical damage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price grid uses a $500 deductible.


Nissan Titan insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $288 $520 $334 $20 $100 $1,287 $107
Titan XE King Cab 2WD $324 $520 $418 $24 $126 $1,437 $120
Titan XE Crew Cab 4WD $324 $520 $334 $20 $100 $1,323 $110
Titan SE King Cab 4WD $324 $520 $334 $20 $100 $1,323 $110
Titan XE Crew Cab 2WD $324 $520 $418 $24 $126 $1,437 $120
Titan SE King Cab 2WD $324 $520 $418 $24 $126 $1,437 $120
Titan SE Crew Cab 4WD $324 $612 $334 $20 $100 $1,415 $118
Titan Pro-4X King Cab 4WD $324 $612 $334 $20 $100 $1,415 $118
Titan SE Crew Cab 2WD $324 $612 $418 $24 $126 $1,529 $127
Titan Pro-4X Crew Cab 4WD $324 $612 $334 $20 $100 $1,415 $118
Titan LE Crew Cab 4WD $324 $612 $334 $20 $100 $1,415 $118
Titan LE Crew Cab 2WD $362 $612 $418 $24 $126 $1,567 $131
Get Your Own Custom Quote Go

Nissan Titan insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Titan XE King Cab 4WD $210 $350 $334 $20 $100 $1,014 $85
Titan XE King Cab 2WD $236 $350 $418 $24 $126 $1,154 $96
Titan XE Crew Cab 4WD $236 $350 $334 $20 $100 $1,040 $87
Titan SE King Cab 4WD $236 $350 $334 $20 $100 $1,040 $87
Titan XE Crew Cab 2WD $236 $350 $418 $24 $126 $1,154 $96
Titan SE King Cab 2WD $236 $350 $418 $24 $126 $1,154 $96
Titan SE Crew Cab 4WD $236 $414 $334 $20 $100 $1,104 $92
Titan Pro-4X King Cab 4WD $236 $414 $334 $20 $100 $1,104 $92
Titan SE Crew Cab 2WD $236 $414 $418 $24 $126 $1,218 $102
Titan Pro-4X Crew Cab 4WD $236 $414 $334 $20 $100 $1,104 $92
Titan LE Crew Cab 4WD $236 $414 $334 $20 $100 $1,104 $92
Titan LE Crew Cab 2WD $264 $414 $418 $24 $126 $1,246 $104
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in zip code location which can raise or lower auto insurance rates substantially.

Based on the above data, using a $100 deductible will cost in the ballpark of $25 more each month or $300 for a full year across all Nissan Titan models than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 16 months between claims, you would save money if you opt for a higher deductible. The table below shows the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $118
Average monthly premium for $500 deductibles (subtract): – $93
Monthly savings from raising deductible: $25
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One thing to note is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you file a claim. You need to make sure you have enough disposable savings in order to pay the deductible to have repairs made.

The information below highlights how deductible selection and can influence Nissan Titan insurance prices for different insured age categories. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

These six discounts can lower your insurance rates

Insuring your vehicles can cost a lot, but there could be significant discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be asked about before being credited.Insurance discounts

It’s important to understand that some credits don’t apply to the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you could get a free insurance policy, you’re out of luck. Any amount of discount should definitely cut your overall premium however.

The chart below shows the comparison of Nissan Titan car insurance costs with and without discounts applied to the rates. The data is based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-policy, and multi-car discounts applied.

The best insurance companies and some of the premium reductions they offer are detailed below.

Before buying, ask each company or agent which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in your area. To locate providers who offer cheap Nissan Titan insurance quotes in Massachusetts, click here.

Buying from auto insurance agents

Many people would rather sit down with an agent and that is just fine! Agents are highly skilled in risk management and give you someone to call. One of the best bonuses of comparing insurance prices online is the fact that you can find cheap rate quotes and still have a local agent. Buying from and supporting local insurance agencies is important particularly in Boston.

Find insurance agent in BostonAfter completing this short form, your insurance data is emailed to agents in your area that give free quotes to get your business. It’s much easier because you don’t need to contact any insurance agencies because prices are sent to you. If you wish to compare prices from a specific auto insurance provider, feel free to search and find their rate quote page to submit a rate quote request.

If you are searching for a local Boston insurance agent, it’s important to understand the different agency structures and how they are distinctly different. Auto insurance agents can be categorized as either exclusive agents or independent agents. Both can do a good job, but it’s important to know why they differ since it can affect buying decisions.

Independent Agents (or Brokers)

Agents that elect to be independent can sell policies from many different companies and that is an advantage because they can write policies through many companies and find you the best rates. If they find a cheaper price, they simply move the coverage in-house and the insured can keep the same agent.

When shopping rates, you should always include rate quotes from at least one independent agent to have the most options to choose from.

Below are Boston independent insurance agents that may be able to give you rate quotes.


30 Park StBoston, MA 02129(617) 242-1200View Map


1361 Cambridge StCambridge, MA 02141(617) 492-4150View Map


112 Water St #401Boston, MA 02109(617) 227-2400View Map

More Boston agents

Exclusive Agents

Agents in the exclusive channel can usually just insure with one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so keep that in mind. These agents are well trained on sales techniques which helps them sell insurance even at higher premiums.

Shown below is a short list of exclusive insurance agencies in Boston that are able to give rate quotes.


571 Dudley St Ste ABoston, MA 02125(617) 442-9490View Map


125 High StBoston, MA 02110(617) 443-9300View Map

More Boston agents

Choosing the best auto insurance agent needs to be determined by more than just a cheap quote. Here are some questions you might want to ask.

Your car insurance coverage should be tailored to you

When choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Your financial needs are unique.Higher deductibles save money

These are some specific questions could help you determine if your situation will benefit from professional help.

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Car insurance specifics

Knowing the specifics of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance will pay to fix damage to your Titan resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, damaging your car on a curb, driving through your garage door, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your Titan to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Titan.

Since a lot of drivers have only the minimum liability required by law (Massachusetts limits are 20/40/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, chiropractic care, funeral costs, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – This will cover damage that occurs to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 20/40/5 which means a limit of $20,000 per injured person, a per accident bodily injury limit of $40,000, and a total limit of $5,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, bail bonds, loss of income, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. Massachusetts state law requires minimum liability limits of 20/40/5 but you should think about purchasing higher limits.

The illustration below shows why buying the state minimum limits may not be enough coverage.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage and theft. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Smart shoppers get results

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, delays in paying claims, policy non-renewal or even not issuing a premium refund. It doesn’t matter why you want to switch switching auto insurance companies is less work than it seems.

We’ve covered some good ideas how you can save on Nissan Titan insurance in Boston. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from an unexpected company.

Some insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent agencies. Lower-priced auto insurance in Boston can be sourced from both online companies in addition to local insurance agencies, so compare prices from both to get a complete price analysis.

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