1999 Nissan Frontier Insurance Rates – 9 Savings Tips

Searching for cheaper auto insurance rates for your Nissan Frontier? If shopping for car insurance quotes online is new to you, you can easily be baffled by the vast number local agents and online companies all offering big savings.

Low cost insurance prices

When looking for cheaper car insurance quotes, there are a couple ways to compare rate quotes from many available insurance companies in your state. The easiest way by far to compare rates is to get quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating separate quotes for every prospective company. A single form gets insurance cost estimates from many national carriers. Just one form and you’re done.
  2. A harder way to find more affordable insurance is to take the time to go to the website for every company you want to comare and get a separate price quote. For instance, let’s say you want to compare prices for Farmers, Allstate and American Family. To get rate quotes you would need to spend time going to each site individually and punch in your information repeatedly, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you are using nearly identical coverage data with each company. If each company quotes different limits and deductibles on each one it will be nearly impossible to make an equal comparison. Slightly different insurance coverages could throw off the whole comparison. And when price shopping your coverage, obtaining a wide range of quotes helps increase your odds of locating the best offered rates. Some companies don’t provide online quotes, so it’s important to also get prices on coverage from those companies, too.

Switch companies and save? Really?

Big name companies like Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. All the ads try to convey promises about how much you will save if you just switch your insurance policy to them. Is it even possible that every company can say the same thing? It’s all in how they say it.

Insurance companies quote their cheapest rates for the type of insured that will generate a profit. A good example of a preferred risk may need to be over the age of 45, has no claims, and has a short commute. Any new insured who matches that profile gets the lowest car insurance rates and is almost guaranteed to save if they switch.

Consumers who are not a match for the ideal profile will probably be forced to pay higher premium rates which leads to the customer not purchasing. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that kind of money. That is how companies can truthfully make those claims. Because of these techniques, you absolutely need to get car insurance quotes as often as possible. It’s not possible to predict which insurance companies will have the best premium rates.

Auto Insurance Discounts

Auto insurance is expensive, but you might already qualify for some discounts to help offset the cost. Some of these disounts will be visible when you purchase, but a few need to be requested specifically before you will receive the discount.

  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Federal Employees – Simply working for the federal government may qualify for a discount when you quote car insurance on Frontier insurance with some auto insurance companies.
  • Paperwork-free – Certain larger companies will give a small break get car insurance on your computer.
  • More Vehicles More Savings – Purchasing coverage when you have primary and secondary vehicles with one company may reduce the rate for each vehicle.
  • Bundle and Save – When you combine your homeowners and auto insurance and insure them with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Student in College – who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
  • Buy New and Save – Putting auto insurance coverage on a new car can get you a discount because new vehicles are generally safer.
  • Safety Course Discount – Participating in a driver safety course can save you 5% or more and also improve your driving technique.
  • Accident-Free Discounts – Drivers who stay claim-free get the best auto insurance rates when compared with accident-prone drivers.

It’s important to note that some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A list of companies and the discounts they provide are outlined below.

  • Farm Bureau policyholders can earn discounts including good student, safe driver, renewal discount, youthful driver, driver training, and multi-vehicle.
  • State Farm has discounts for passive restraint, good student, Steer Clear safe driver discount, multiple autos, anti-theft, and multiple policy.
  • Progressive offers discounts for online signing, multi-policy, multi-vehicle, online quote discount, homeowner, good student, and continuous coverage.
  • Allstate discounts include multi-policy, 55 and retired, good student, early signing, senior citizen, EZ pay plan discount, and premier plus.
  • Nationwide offers discounts including anti-theft, Farm Bureau membership, family plan, accident-free, defensive driving, and multi-policy.
  • MetLife may have discounts that include defensive driver, claim-free, multi-policy, accident-free, good student, good driver

Double check with all companies you are considering which credits you are entitled to. All car insurance discounts may not apply to policyholders in your area. For a list of auto insurance companies that offer discounts, click here.

Tailor your insurance coverage to you

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Should I buy full coverage?
  • Do I have coverage if my license is suspended?
  • Are rock chip repairs covered?
  • Who is covered by my policy?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Nissan Frontier.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for doctor visits, hospital visits and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as funeral expenses, medical expenses, bail bonds, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, vandalism, theft and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision coverage pays for damage to your Frontier caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Shop. Compare. Save.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. In many cases, someone sacrificed uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your strategy should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

We’ve covered some good ideas how you can reduce 1999 Nissan Frontier insurance premium rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may even find the best premium rates are with the smaller companies.

Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, an unsatisfactory settlement offer or high rates after DUI convictions. Whatever your reason, choosing a new insurance company can be easier than you think.

Much more information about insurance coverage can be read at these links: