How Much Does 2006 Nissan Frontier Car Insurance Cost?

Want cheaper car insurance rates for your Nissan Frontier? No car owner likes buying car insurance, especially knowing they could find better rates elsewhere. Since vehicle owners have many companies to choose from, it can be impossible to pick a lower cost company.

It’s smart to check car insurance prices before your next renewal because prices are rarely the same from one policy term to another. If you had the best rates for Frontier insurance at your last renewal there may be better deals available now. Block out anything you think you know about car insurance because I’m going to teach you the quickest way to remove unneeded coverages and save money.

How to compare car insurance quotes

There are a variety of methods to shop for car insurance, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Many insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and every company then gives them pricing. This prevents consumers from doing quotation requests for every car insurance company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to getting quotes like this is that consumers can’t choose which providers you will receive quotes from. If you prefer to choose individual companies to compare prices, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter identical coverage limits on every price quote you get. If you compare different data you can’t possibly make an equal comparison.

Are you earning every discount?

Some providers don’t necessarily list all available discounts in an easy-to-find place, so here is a list a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

• Renewal Discounts – A few insurance companies offer discounts for signing up early. This discount can save up to 10%.
• One Accident Forgiven – Not really a discount, but some insurance companies allow you one accident before they charge you more for coverage so long as you are claim-free for a set time period.
• Payment Method – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
• Own a Home – Owning your own home or condo can save you money because owning a home demonstrates responsibility.
• Air Bag Discount – Options like air bags could see savings of more than 20%.

Don’t be surprised that most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren’t that generous.

A list of insurance companies and the discounts they provide can be read below.

• State Farm has discounts for Drive Safe & Save, passive restraint, accident-free, multiple policy, and safe vehicle.
• American Family has savings for good student, defensive driver, bundled insurance, mySafetyValet, air bags, early bird, and multi-vehicle.
• GEICO includes discounts for military active duty, multi-vehicle, defensive driver, anti-theft, seat belt use, five-year accident-free, and membership and employees.
• 21st Century discounts include anti-lock brakes, driver training, automatic seat belts, student driver, and 55 and older.
• Progressive may have discounts that include online signing, multi-vehicle, multi-policy, online quote discount, and good student.

If you need lower rates, check with all companies you are considering to apply every possible discount. Some of the discounts discussed earlier may not apply in your state. To view companies with the best insurance discounts, follow this link.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight if your situation might need professional guidance.

• Is my vehicle covered by my employer’s policy when using it for work?
• What if I don’t agree with a claim settlement offer?
• Do I need medical payments coverage since I have good health insurance?
• Is my Nissan Frontier covered if I use it for business?
• Why am I required to get a high-risk car insurance policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Where can I get insurance after a DUI in my state?
• Do I need rental car coverage?
• When can I cancel my policy?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, fire damage, hitting a deer, rock chips in glass and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family 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. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills such as nursing services, hospital visits, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverages – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision – Collision coverage pays for damage to your Frontier resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.