Save on 2003 Nissan Frontier Car Insurance Rates

Buyers have a choice when searching for the lowest priced Nissan Frontier insurance. You can either waste hours driving around to get rate comparisons or use the internet to get rate quotes. There are both good and bad ways to find car insurance online so we’re going to tell you the absolute fastest way to price shop coverage for a Nissan and find the cheapest rates either online or from local insurance agents.

If you have a policy now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. The purpose of this post is to familiarize you with the best way to quote coverages and some tips to save money. Drivers only need an understanding of the best way to get comparison rates on the web.

Why your Nissan Frontier might be costing you more

An important part of buying insurance is that you know the rating factors that help determine your insurance rates. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

The following are a few of the “ingredients” that factor into prices.

  • Liability coverage is cheap – Liability coverage provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Where you live is a factor – Living in small towns and rural areas can be a good thing when buying insurance. Urban drivers have to deal with much more traffic and longer commute times. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Nissan Frontier has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Proper usage rating affects rates – Driving more miles in a year the higher your rate. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Frontier can cost quite a bit.

Discounts are available to cut your rates

Companies don’t always advertise all available discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Frontier insurance with select insurance companies.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Save over 55 – Older drivers may qualify for a discount up to 10% for Frontier insurance.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that possibly offer some of the above discounts are:

It’s a good idea to ask each company what discounts are available to you. Savings may not be available everywhere.

Slick advertising tricks that work

Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Geico and Progressive. They all make the same claim that you can save if you move to their company.

How does each company make the same claim?

All the different companies can use profiling for the driver that makes them money. For example, a driver they prefer could be between 30 and 50, has no driving citations, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and most likely will save when switching.

Drivers who are not a match for these standards will be quoted higher rates which leads to business going elsewhere. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can make the claims of big savings. This emphasizes why drivers must get a wide range of price quotes. You cannot predict the company that will give you the biggest savings on Nissan Frontier insurance.

Everyone needs different coverages

When buying adequate coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether you will benefit from professional help.

  • Does my 2003 Nissan Frontier need full coverage?
  • Should I waive the damage coverage when renting a car?
  • Is upholstery damage covered by car insurance?
  • Do I need an umbrella policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a Nissan Frontier

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, pain and suffering, medical expenses, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Nissan Frontier.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision protection

Collision insurance pays for damage to your Frontier resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, sideswiping another vehicle, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, EMT expenses, nursing services, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a broken windshield, theft and hail damage. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

What is YOUR best insurance company?

Cheap 2003 Nissan Frontier insurance is definitely available both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide online price quotes and these smaller companies work with independent agents.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, poor customer service or even policy non-renewal. Whatever your reason, finding a great new company is less work than it seems.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped physical damage coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford.

For more information, take a look at the following helpful articles: