How Much Does 2014 Nissan Frontier Car Insurance Cost?

Trying to find better insurance prices for a new or used Nissan Frontier can normally be difficult, but you can learn the following methods to save time. There are more efficient ways to compare car insurance rates and you need to know the quickest way to get price quotes on a Nissan and locate the lowest possible price from both online companies and local agents.

Don’t overlook these insurance discounts

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. Some of these disounts will be visible when you get a quote, but occassionally some discounts must be requested specifically before you will receive the discount.

  • Telematics Data Discounts – Drivers that enable their company to scrutinize where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they show good driving skills.
  • Responsible Drivers – Safe drivers could pay up to 40% less on Frontier coverage than less cautious drivers.
  • Own a Home and Save – Owning a home may trigger a policy discount on insurance because of the fact that having a home means you have a higher level of financial diligence.
  • Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Defensive Driver Discount – Successfully completing a course teaching driver safety skills could earn you a small percentage discount and also improve your driving technique.
  • Good Students Pay Less – Being a good student may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
  • Early Switch Discount – Some insurance companies reward drivers for buying a new policy before your current coverage expires. Ten percent is about the average savings.
  • Claim Free – Drivers who stay claim-free get the best insurance rates when compared to drivers who are more careless.
  • Savings for New Vehicles – Buying a new car model may earn a small discount because new model year vehicles have to meet stringent safety requirements.

One thing to note about discounts is that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

To locate companies with the best discounts, follow this link.

Smart consumers can reduce their insurance prices

Smart consumers have a good feel for the factors that are used to determine the rates you pay for auto insurance. When consumers understand what determines premiums, this empowers consumers to make smart changes that can help you get lower auto insurance prices. Lots of factors are part of the equation when you quote your car insurance policy. Some are pretty understandable like your driving record, but others are more transparent such as your marital status or your vehicle rating.

Shown below are just a few of the factors used by your company to calculate your premiums.

  • Gender and insurance costs – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean men are worse drivers. Women and men cause accidents in similar percentages, but guys get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as reckless driving.
  • Low stress occupation equals lower premiums – Occupations such as lawyers, architects and medical professionals usually pay higher rates than average because of job stress and lots of time spent at work. Conversely, occupations such as actors, historians and retirees pay lower than average rates on Frontier coverage.
  • Combine policies with the same company – Some companies give lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you already get this discount, it’s in your best interest to compare other company rates to help guarantee you have the best rates.There is a good possibility that you can save money by buying insurance from more than one company.
  • Avoid tickets and save – Even one ticket could increase your next policy renewal by as much as twenty percent. Attentive drivers receive lower rates as compared to those with violations. Drivers who have received serious violations like reckless driving, hit and run or driving under the influence may need to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.

When to get professional advice

When buying the right insurance coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions can aid in determining whether you may require specific advice.

  • Which is better, split liability limits or combined limits?
  • Will filing a claim cost me more?
  • Do all my vehicles need collision coverage?
  • Am I covered if I break a side mirror?
  • Does insurance cover damages from a DUI accident?
  • Can I rent a car in Mexico?
  • Do I need an umbrella policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

But they said I’d save $462 a year!

Consumers can’t get away from all the ads that claim the lowest prices from companies such as Progressive, Geico, Allstate and State Farm. They all tend to make the same promise that you can save if you just switch to them.

How does every company say the same thing? Here is the trick they use.

All the different companies are able to cherry pick for the type of driver that makes them money. An example of this type of risk profile could be a married female, has no tickets, and drives a vehicle with a low ISO rating. A driver that fits those parameters gets the lowest premium rates and as a result will probably save some money.

People who don’t measure up to the ideal profile will probably have to pay a higher rate which usually ends up with the customer buying from a different company. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can confidently make it sound like they have such great auto insurance rates. Because of these techniques, you should do a price quote comparison at every renewal. It’s not possible to predict the company that will provide the lowest rates.

Car insurance coverages for a Nissan Frontier

Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, falling objects and hitting a bird. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like pain medications, nursing services, funeral costs, X-ray expenses and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage covers damage to your Frontier from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, damaging your car on a curb, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Nissan Frontier.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability

This protects you from damage or injury you incur to other people or property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like court costs, structural damage, emergency aid and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Make a quick buck

A few companies may not provide internet price quotes smaller providers prefer to sell through independent agents. Cheap 2014 Nissan Frontier insurance is definitely available online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits and learned later that the savings was not a smart move. The proper strategy is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Throughout this article, we presented many ideas to save on 2014 Nissan Frontier insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with some of the smallest insurance companies.

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