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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 ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find the cheapest car insurance rates for your Nissan Frontier? Comparison shopping for car insurance is always nearly impossible for people who are new to comparing rates online. People have so many options that it can quickly become a lot of work to find the best price.

You should take the time to do rate comparisons at least once a year because rates are rarely the same from one policy term to another. If you had the best rates on Frontier coverage two years ago you may be paying too much now. There is a lot of bad advice regarding car insurance on the internet, so with this article, you’re going to get the easiest ways to reduce your car insurance bill.

Buying car insurance is not rocket science. Essentially every driver who carries insurance coverage will more than likely be able to lower their premiums. But car owners must comprehend the way companies market on the web because it can help you find the best coverage.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden car insurance savings.

  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Frontier coverage than less cautious drivers.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Low Mileage Discounts – Fewer annual miles on your Nissan could be rewarded with a substantially lower rate.
  • Accident Waiver – A few companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn at least 10% off all policies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of providers offering car insurance discounts, follow this link.

The quickest way to compare car insurance rates utilizes the fact car insurance companies actually pay money for the chance to compare rate quotes. All consumers are required to do is give the companies some data such as how much school you completed, whether or not you need a SR-22, if the car is leased, and your occupation. The data is instantly sent to all major companies and they return quotes immediately.

Nissan Frontier rates are in the details

It’s important that you understand the factors that help determine car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with better car insurance rates.

  • Multiple policies with one company can save – The majority of companies provide better rates to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to compare other company rates to ensure the best deal.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Nissan from damage. Examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive on Frontier coverage.
  • Being married is a good thing – Having a wife or husband can actually save you money on your policy. Having a spouse means you’re more responsible and statistics show being married results in fewer claims.
  • Little extras can really add up – There are a lot of extra bells and whistles that you can get tricked into buying on your Frontier policy. Coverages for vanishing deductibles, accidental death and membership fees may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Choose a safe vehicle and save – Safer cars get lower rates. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates. If the Nissan Frontier scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Traffic citations inflate rates – Even one citation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. If you have severe violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as lawyers, social workers and accountants tend to have higher rates than average attributed to high stress and lengthy work days. On the flip side, professions such as actors, athletes and performers receive lower rates on Frontier coverage.
  • Protect your assets with liability insurance – Liability coverage provides coverage if a jury decides you are liable for damages from an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.

Car insurance is unique, just like you

When it comes to choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • When should I not file a claim?
  • Does medical payments coverage apply to all occupants?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a blown tire covered by insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Should I drop comprehensive coverage on older vehicles?
  • Are split liability limits better than a combined single limit?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverages

Understanding the coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection – This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, damage from a tornado or hurricane, hail damage and falling objects. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – This will cover damage or injury you incur to other people or property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like funeral costs, chiropractic care and hospital visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This provides protection when other motorists do not carry enough liability coverage. This coverage pays for 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, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – This covers damage to your Frontier resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Final considerations

Budget-conscious 2012 Nissan Frontier insurance is definitely available both online as well as from independent agentsinsurance , so you should compare both to have the best selection. A few companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We covered a lot of techniques to reduce insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for any number of reasons including questionable increases in premium, high prices, not issuing a premium refund or lack of trust in their agent. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.

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