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Q: cost to replace timing belt on 2006 Nissan Xterra

What is the estimated cost to have the timing belt replaced on a 2006 Nissa Xterra, V6 in Northeast Florida?
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I have been told by mechanics at two different dealers that my car has "timing chain whine" and the chain and tensioners need to be replaced or my engine could self destruct at any time. They both quoted me $1400 for the repair, and one offered to take a couple hundred off if I had work done in the next two weeks. One told me a story about another customer who didn't get it fixed and whose engine died and self destructed a week later.

Googling "xterra timing chain whine" gets lots of hits from owners fighting with Nissan to get it fixed or paying for the repair. It appears that the timing chain tensioners are poorly designed and the plastic that the chain rides on wears out leaving chain rubbing on metal. That is the source of the whining noise, but it isn't clear whether or not it really can cause the chain to break. I discussed it with my mechanic and he didn't think the whining was a problem but if engine starts making noise like a can of marbles then it needs to be fixed right away. He said that he normally replaces xterra timing chains at around 200K miles. It's been 80K+ miles and 4 years since first dealer tried to get me to pay for this expensive repair. I don't know if I'm living on borrowed time or not, but I'm holding out until 200K, and then taking it to my mechanic who has the special tools for it and will charge only about half of what the dealer wants.
you have a timing chain. it is replaced at engine overhaul.
no need to worry about changing it.

Thank you so much for your response Roy! But I don't understand. The dealer just told me yesturday that it needed to be replaced and it would cost $1500.00.
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