2010 Nissan Frontier Insurance Cost – 8 Tips for Cheaper Prices

Want cheaper insurance rates? Drivers have lots of choices when trying to find affordable Nissan Frontier insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to find the lowest rates.

There are both good and bad ways to compare insurance rates and you need to know the best way to quote coverages for your Nissan and locate the lowest possible price either online or from local insurance agents.

You should make it a habit to price shop coverage before your policy renews because insurance prices change frequently. Even if you got the best deal on Frontier insurance a year ago you can probably find a better rate now. Don’t believe everything you read about insurance out there, but in a few minutes you can learn the best ways to stop overpaying for insurance.

The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. Vehicle owners just need to understand the most effective way to buy insurance coverage online.

The quickest method to compare rates is to realize most of the bigger providers allow for online access to provide you with a free rate quote. The only thing you need to do is provide information including whether the vehicles are used for commuting, if it has an anti-theft system, daily mileage, and marital status. Your information is automatically sent to all major companies and they return quotes almost instantly.

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

Do car insurance companies bend the truth?

Consumers can’t get away from ads that claim the lowest rates by 21st Century, Allstate and State Farm. They all make an identical promise that drivers can save some big amount if you get a free insurance quote and switch your car insurance coverage to their company.

How does each company save you money? Here is how they do it.

Car insurance companies are able to cherry pick for the type of insured that earns them the most money. One example of a profitable risk profile might be a female over age 40, is a homeowner, and has a high credit rating. Any driver that meets those criteria will probably get the lowest auto insurance rates and is almost guaranteed to save a lot if they switch.

Consumers who don’t meet this ideal profile may be forced to pay a higher premium and the customer not purchasing. The ad wording is “people that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can truthfully state the savings.

Because each company has a different risk profile, you absolutely need to get insurance quotes as often as possible. It’s not possible to predict which company will have the best rates at this point in time.

Discount auto insurance rates

Auto insurance can be pricey, but companies offer discounts that can help lower your rates. Some discounts will apply when you purchase, but once in a while a discount must be asked for in order for you to get them.

  • Safe Driver Discounts – Safe drivers may save up to 50% more on Frontier insurance than their less cautious counterparts.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
  • Good Student Discount – A discount for being a good student may save as much as 25% on a insurance quote. Many companies even apply the discount to college students until age 25.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • New Car Discount – Buying a new car instead of a used car can cost up to 25% less because newer vehicles keep occupants safer.
  • Policy Bundle Discount – When you have multiple policies with the same company they may give you a discount of nearly 15% which can help you find cheaper insurance.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.

Remember that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

A few popular companies and some of the discounts are shown below.

  • Geico has discounts for daytime running lights, seat belt use, anti-lock brakes, defensive driver, and military active duty.
  • Mercury Insurance includes discounts for annual mileage, type of vehicle, accident-free, multi-policy, and anti-theft.
  • Farmers Insurance offers discounts including business and professional, good student, pay in full, distant student, electronic funds transfer, youthful driver, and bundle discounts.
  • Auto-Owners Insurance has savings for safe driver, student away at school, paperless, safe vehicle, good student, company car, and mature driver.
  • Liberty Mutual may offer discounts for new graduate, multi-car, new vehicle discount, exclusive group savings, hybrid vehicle, and newly retired.
  • SAFECO discounts include homeowner, safe driver, bundle discounts, anti-lock brakes, anti-theft, and teen safe driver.
  • Progressive may include discounts for online signing, homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.
  • USAA policyholders can earn discounts including defensive driver, multi-vehicle, loyalty savings, military installation, annual mileage, driver training, and multi-policy.

If you need lower rates, check with each company which discounts you qualify for. All car insurance discounts might not be offered in your area. If you would like to view providers that offer some of these discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Can I get a multi-policy discount?
  • Can I rent a car in Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is the difference between comprehensive and collision coverage?
  • Which is better, split liability limits or combined limits?
  • Do I need more liability coverage?
  • Am I covered when driving on a suspended license?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, colliding with a tree, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills such as prosthetic devices, ambulance fees, pain medications, hospital visits and doctor visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird, damage from a tornado or hurricane and theft. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as loss of income, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Frontier.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Smart shoppers get results

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, being labeled a high risk driver and even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

We just covered a lot of ways to save on 2010 Nissan Frontier insurance. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper insurance. You may be surprised to find that the best price on auto insurance is with an unexpected company.

When you buy insurance online, never sacrifice coverage to reduce premiums. In many instances, someone dropped liability limits or collision coverage only to find out that they should have had better coverage. Your objective should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

More detailed auto insurance information can be read at these sites: