2003 Nissan Frontier Insurance Quotes – 9 Ideas for Best Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want the cheapest insurance coverage rates for your Nissan Frontier? Trying to find the cheapest insurance for your Nissan Frontier can be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to compare insurance coverage rates and you need to know the best way to price shop coverage for a new or used Nissan and find the lowest price.

It is always a good idea to check insurance coverage prices periodically because prices change quite often. Even if you think you had the lowest rates on Frontier insurance a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out the best way to buy cheaper insurance coverage.

If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates and possibly find even better coverage. Finding more affordable coverage is quite easy. Drivers only need to know the proper way to compare prices online.

Take advantage of discounts

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but less common discounts must be specially asked for before you will receive the discount. If you’re not getting every credit possible, you are paying more than you should be.

  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Accident Waiver – A few companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Frontier insurance than less cautious drivers.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing on their website.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But any discount will help reduce your premiums.

To see a list of providers with discount car insurance rates, click this link.

How to know if you need help

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Is business equipment covered while in my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my insurance pay for OEM parts?
  • Am I missing any policy discounts?
  • What companies insure drivers after a DUI or DWI?
  • Do I need special endorsements for business use of my vehicle?
  • Does having multiple vehicles earn me a discount?
  • Does my 2003 Nissan Frontier need full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Drivers who switch save $480 a year? Really?

Consumers can’t ignore all the ads that promise big savings from companies such as Progressive, Allstate and GEICO. All the companies have a common claim that you’ll save big after switching your policy.

But how can every company claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the right customer they prefer to insure. For example, a driver they prefer could be over the age of 50, has no driving citations, and has excellent credit. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Consumers who don’t meet the requirements will be charged higher rates which leads to the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save money. That is how companies can truthfully state the savings.

That is why drivers must get as many quotes as possible. You cannot predict which company will give you the biggest savings on Nissan Frontier insurance.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage covers damage to your Frontier resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft, hitting a deer, fire damage and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, pain medications, doctor visits, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Frontier.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Spend less. Save more.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price.

Discount 2003 Nissan Frontier insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both to have the best selection. A few companies do not provide online quoting and these small, regional companies work with independent agents.

Insureds leave their current company for a variety of reasons including denial of a claim, lack of trust in their agent, policy cancellation and questionable increases in premium. It doesn’t matter why you want to switch finding a new car insurance company is not as hard as you think.

Additional articles

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles