2003 Nissan Frontier Car Insurance Quotes – 5 Tips for Best Rates

Trying to find the cheapest insurance coverage rates for your Nissan Frontier? Are you at wits end from not being able to afford each month for insurance coverage? Your situation is no different than the majority of other vehicle owners.

Many car insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies to get the lowest cost out there.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, car owners need to have an understanding of how big insurance companies compete online because it can help you find the best coverage.

Low cost insurance quotes online

To find cheap rates, there are a couple of ways to compare prices from different insurance companies. The simplest method to find competitive 2003 Nissan Frontier insurance rates involves getting comparison quotes online. This is quite simple and can be completed in several different ways.

  1. Experts agree that the best way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do separate quotes for every insurance company. One quote request gets prices estimates instantly.
  2. A slightly less efficient method to get quotes online requires a trip to each company’s website to complete a price quote. For sake of this example, let’s assume you want comparison quotes from Geico, 21st Century and Farmers. To do that, you would have to go to every website to enter the same coverage data repeatedly, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The last way of getting rate comparisons is to spend your day driving to insurance agencies in your area. Comparing rate quotes online eliminates the need for an insurance agent unless you’re the type of person who wants the advice and guidance that only an agent can give. It is possible to price shop online but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just make sure you are using exactly the same coverage information on every quote. If the quotes have different coverage information it’s impossible to make a fair comparison for your Nissan Frontier. Quoting even small variations in coverages may result in a large different in cost. Just keep in mind that comparing a large number of companies helps you find a lower rate than you’re paying now. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare rates on coverage from those companies, too.

How do I know if I need professional advice?

When it comes to buying coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy high-risk coverage?
  • How high should my medical payments coverage be?
  • What if I total my 2003 Nissan Frontier and owe more than it’s worth?
  • Am I better off with higher deductibles on my 2003 Nissan Frontier?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance coverages for a Nissan Frontier

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Liability coverages

This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan Frontier.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a deer, hail damage and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

This covers damage to your Frontier from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as dental work, rehabilitation expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay