2010 Nissan Frontier Insurance Cost – 5 Tips to Save

Tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer and get the definite best price available.

It’s important to price shop coverage yearly since insurance rates go up and down regularly. Just because you had the best deal for Frontier insurance two years ago there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to buy cheaper auto insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Buying car insurance is not rocket science. But vehicle owners do need to understand the way insurance companies sell insurance online because it can help you find the best coverage.

The easiest way to compare policy rates is to take advantage of the fact all the major auto insurance companies participate in a system to give you rate quotes. The only thing you need to do is give the companies some data including if you are currently licensed, if the car is leased, if you’re married, and the type of vehicles you drive. The data is submitted instantly to many highly-rated insurers and they respond with quotes quickly.

To compare multiple company rates now, click here and enter your zip code.

More discounts equal less premium

Car insurance companies don’t always advertise every discount very clearly, so we researched both the well known and the harder-to-find insurance savings.

  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Low Mileage – Keeping the miles down on your Nissan could qualify for lower rates on the low mileage vehicles.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

It’s important to understand that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

To see a list of companies offering insurance discounts, click here.

It’s not one size fits all

When buying proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • What if I total my 2010 Nissan Frontier and owe more than it’s worth?
  • Is my camper covered by my car insurance policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage if my license is suspended?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How do I insure my teen driver?
  • Will my rates increase for filing one claim?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Drivers who switch save $432 a year? Really?

Companies like State Farm, Allstate and Geico continually stream television and radio advertisements. All the ads make the same claim that you’ll save big after switching to them. How can each company make the same claim? This is how they do it.

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a profitable customer might be profiled as a mature driver, a clean driving record, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who are not a match for the requirements will be quoted higher rates which leads to the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make those claims. This emphasizes why you absolutely need to get as many quotes as possible. It’s just too difficult to predict which company will have the lowest Nissan Frontier insurance rates.

Car insurance coverage basics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a bird, theft, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Frontier from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, backing into a parked car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability auto insurance

This coverage will cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, legal defense fees, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Nissan Frontier.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for surgery, X-ray expenses, ambulance fees and nursing services. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

The bottom line

You just learned a lot of tips how to lower your 2010 Nissan Frontier insurance rates. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a small mutual company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.

Low-cost insurance is definitely available on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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