How Much Does 2014 Nissan Frontier Car Insurance Cost?

Looking for the cheapest auto insurance rates for your Nissan Frontier? Tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as many other consumers. Having so many insurance companies to choose from, it can be challenging to locate the lowest cost insurance company.

Buying car insurance is not that difficult. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Drivers only need an understanding of the tricks to compare price quotes online.

Car Insurance Prices Online

Reducing your 2014 Nissan Frontier insurance rates is not rocket science. The only requirement is to take the time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for boring form submissions for each company. One simple form gets you price quotes direct from many companies.

A slightly less efficient method to get comparison quotes requires a trip to the website for every company you want to comare to complete a price quote. For instance, we’ll assume you want to compare rates from USAA, State Farm and Geico. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The hardest way of getting rate comparisons is to drive around to insurance agents’ offices. The internet has reduced the need for local agents unless you require the professional advice only provided by licensed agents. However, consumers can obtain prices from the web and get advice from an agent in your area and we’ll touch on that later.

It’s up to you how you get prices quotes, just compare the exact same information for each comparison quote. If you use differing limits you will not be able to determine the lowest rate for your Nissan Frontier.

These factors can influence Nissan Frontier insurance rates

It’s important that you understand the factors that play a part in calculating your insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that could result in lower insurance prices.

Shown below are a partial list of the pieces used by your company to calculate premiums.

  • Your spouse saves you money – Getting married can actually save you money on your insurance policy. It means you’re more responsible it has been statistically shown that married couples file fewer claims.
  • Do you qualify for a multi-policy discount? – Most insurers give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you may still want to shop around to make sure you are getting the best deal.
  • Traffic violations increase rates – Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Where you live is a factor – Living in a rural area can be a good thing when it comes to insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Urban drivers have to deal with much more traffic to deal with and longer commute times. More time on the road translates into higher accident risk.
  • No coverage gaps is important – Allowing your insurance policy to lapse will be a fast way to bump up your insurance costs. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Credit scores impact insurance rates – Having a bad credit history is a large factor in your rate calculation. If your credit rating is not that good, you could pay less to insure your 2014 Nissan Frontier by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.

Cut prices on Nissan Frontier insurance

Companies do not list every available discount in a way that’s easy to find, so the following is a list of both the well known as well as the least known ways to save on insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Student Driver Training – Have your child enroll in driver’s education if offered at their school.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Resident Student – Children living away from home attending college and do not have a car can receive lower rates.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Free – Good drivers with no accidents pay less when compared with drivers who are more careless.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

For a list of providers with discount insurance rates, follow this link.

Tailor your coverage to you

When buying the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when using my vehicle for business?
  • What should my uninsured motorist coverage limits be in my state?
  • Does insurance cover tools stolen from my truck?
  • Can my teen drive my company car?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, vandalism and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This coverage covers damage to your Frontier resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Liability

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like funeral expenses, pain and suffering, loss of income and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2014 Nissan Frontier.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, rehabilitation expenses, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Don’t break the bank

We just showed you many ideas to compare 2014 Nissan Frontier insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a small mutual company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

Lower-priced insurance is possible from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Much more information about insurance is located on the following sites: