Cheapest 1998 Nissan Frontier Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Drivers have a choice when trying to find the best price on Nissan Frontier insurance. You can either waste hours contacting agents getting price quotes or use the internet to get rate quotes.

There is a better way to shop for auto insurance and you need to know the quickest way to quote coverages for a Nissan and find the cheapest rates from local insurance agents and online providers.

The purpose of this article is to help educate you on how to get online quotes and some money-saving tips. If you have car insurance now, you will most likely be able to save some money using this strategy. Drivers just need to learn the most effective way to compare price quotes on the web.

Discounts are basically free money

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be requested specifically in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Frontier coverage than their less cautious counterparts.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts up until you turn 25.

Keep in mind that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium however.

For a list of companies who offer auto insurance discounts, follow this link.

Car Insurance Prices

There are several ways you can shop for Nissan Frontier car insurance and some are easier and takes less work. You can spend your afternoon discussing policy coverages with agents in your area, or you can utilize the web to maximize your effort.

The majority of car insurance companies take part in a program where prospective buyers complete one form, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing quote forms for each company.

To use this form to compare 1998 Nissan Frontier insurance rates click here (opens in new window).

The single downside to doing it this way is you cannot specify which companies you will receive quotes from. So if you want to select specific providers to request quotes from, 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 make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If you enter different limits and deductibles on each one you will not be able to determine the lowest rate for your Nissan Frontier.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions might point out if your situation might need professional guidance.

  • What companies insure drivers after a DUI or DWI?
  • When should I drop full coverage on my 1998 Nissan Frontier?
  • How much underlying liability do I need for an umbrella policy?
  • Where can I find DUI or SR-22 insurance?
  • What are the best liability limits?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 1998 Nissan Frontier

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability

This provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like bail bonds, medical expenses, emergency aid and structural damage. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like prosthetic devices, nursing services, pain medications, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover 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

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your Frontier caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, backing into a parked car, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Spend less. Save more.

Cheaper 1998 Nissan Frontier insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

People leave their current company for a number of reasons such as not issuing a premium refund, being labeled a high risk driver, extreme rates for teen drivers and denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

Throughout this article, we presented some good ideas how to lower your insurance rates. The key concept to understand is the more you quote, the better your comparison will be. Drivers may discover the lowest premiums are with an unexpected company.

To learn more, feel free to visit these articles:

Frequently Asked Questions

How can I find the cheapest insurance for my 1998 Nissan Frontier?

To find the cheapest insurance for your 1998 Nissan Frontier, there are several steps you can take:

  • Shop around: Obtain quotes from multiple insurance providers to compare their rates.
  • Increase deductibles: Opting for a higher deductible can lower your insurance premium, but be sure you can afford the out-of-pocket expense if you need to make a claim.
  • Maintain a clean driving record: Insurance companies often offer lower rates to drivers with a clean driving history.
  • Consider discounts: Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for installing anti-theft devices in your vehicle.
  • Evaluate coverage options: Assess your coverage needs and consider opting for the minimum required coverage if it suits your circumstances.
  • Drive less: Some insurers offer lower rates for drivers who do not exceed a certain mileage threshold.

Are there any specific insurance providers known for offering affordable rates for a 1998 Nissan Frontier?

Insurance rates can vary among providers, so it’s essential to shop around and compare quotes. Some insurance companies that are known for offering competitive rates include Geico, Progressive, State Farm, and Allstate. However, rates can vary based on your location, driving record, and other factors, so it’s best to obtain quotes from multiple providers to find the best rate for your specific situation.

Does the age of my 1998 Nissan Frontier affect insurance rates?

Yes, the age of your vehicle can impact insurance rates. Older vehicles, such as a 1998 Nissan Frontier, may have lower insurance rates compared to newer models. This is because older vehicles typically have lower market values and may be less expensive to repair or replace in the event of an accident. However, insurance rates are also influenced by factors like your driving history, location, coverage options, and other personal details.

What factors besides the vehicle’s age affect the cost of insurance for a 1998 Nissan Frontier?

Several factors can affect the cost of insurance for a 1998 Nissan Frontier, including:

  • Your driving record: Drivers with a history of accidents or traffic violations may face higher insurance premiums.
  • Location: Rates can vary based on where you live due to factors such as population density, crime rates, and local laws.
  • Coverage options: The level of coverage you choose, such as liability-only or comprehensive coverage, will impact your premium.
  • Annual mileage: The more you drive, the higher the risk of an accident, which can result in higher premiums.
  • Deductibles: Choosing a higher deductible can lower your premium but means you’ll pay more out-of-pocket in the event of a claim.
  • Insurance history: If you have a lapse in insurance coverage or a history of claims, it can affect your rates.
  • Driver age and gender: Younger drivers and male drivers, statistically considered higher risk, may have higher premiums.

Are there any specific insurance options to consider for a 1998 Nissan Frontier?

When insuring your 1998 Nissan Frontier, you have several coverage options to consider, such as:

  • Liability coverage: This is the minimum required coverage in most states and covers damages you cause to others in an accident.
  • Collision coverage: This coverage pays for repairs or replacement of your vehicle if it’s damaged in a collision, regardless of who is at fault.
  • Comprehensive coverage: This coverage protects against damages not caused by a collision, such as theft, vandalism, or weather-related incidents.
  • Uninsured/underinsured motorist coverage: This coverage provides protection if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
  • Medical payments coverage: This coverage helps pay for medical expenses resulting from an accident, regardless of who is at fault. Consider your needs, budget, and the value of your vehicle when selecting coverage options.

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