2018 Nissan Frontier Insurance Rates – 6 Ways to Save

Searching for better car insurance rates for your Nissan Frontier? Expensive car insurance can overdraw your funds and force you to cut corners elsewhere. Comparing rate quotes is a smart way to tighten up your finances.

Due to the large number of choices of insurance companies, it is very difficult to choose the lowest cost insurer.

Buying car insurance is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But consumers need to learn how companies compete online and take advantage of how the system works.

Insurance policy discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but lesser-known reductions have to be asked for before they will apply.

  • Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
  • Accident-Free Discounts – Claim-free drivers have much lower rates as opposed to drivers with a long claim history.
  • Responsible Driver Discount – Insureds without accidents may save up to 50% more on Frontier coverage compared to rates paid by drivers with frequent claims.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Resident Student – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.

One last thing about discounts, many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

For a list of companies that provide some of the discounts listed above, click this link.

How to get insurance price quotes

When shopping for affordable insurance quotes, there are a couple of ways to get quotes from local insurance companies. The recommended way to comparison shop is to perform an online rate comparison. This can be accomplished by using one of the methods below.

Probably the best way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for multiple quote forms for every insurance company. A single, simple form gets prices estimates direct from many companies.

A less efficient way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, we’ll pretend you want comparison quotes from Nationwide, Farmers and GEICO. To get each rate you have to spend time going to each site individually and enter your information, which explains why we recommend starting with the first method.

For a list of companies in your area, click here.

The least efficient method to comparison shop rate quotes is actually driving to all the different insurance agencies. Buying insurance online makes this unnecessary unless you’re the type of person who wants the advice and guidance of a local agency. Although, it is possible find lower rates online and have a local agent actually service the policy.

Whichever method you choose, do your best to use apples-to-apples coverages and limits for each comparison quote. If the quotes have different liability limits you can’t possibly get a fair rate comparison. Even a minor difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a wide range of rates provides better odds of finding the best rates. Not every company allows you to get online quotes, so you should also compare quotes on coverage from those companies, too.

How do I know if I need professional advice?

When buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is upholstery damage covered by car insurance?
  • Will my rates increase for filing one claim?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I rent a car in Mexico?
  • What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

UM/UIM Coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2018 Nissan Frontier.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance – This provides protection from damage that occurs to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as structural damage, emergency aid and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, fire damage, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills like pain medications, doctor visits, hospital visits, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Frontier caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Feed the piggy bank

Lower-priced insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not provide rate quotes online and most of the time these small, regional companies provide coverage only through independent agencies.

In this article, we presented a lot of tips how to lower your 2018 Nissan Frontier insurance premium rates. The key concept to understand is the more you quote insurance, the higher your chance of finding the cheapest insurance. You may even discover the lowest premium rates are with the smaller companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

To learn more, feel free to visit the following helpful articles: