2003 Nissan Frontier Insurance Rates

Looking for the cheapest car insurance rates for your Nissan Frontier? Finding the cheapest insurance for a Nissan Frontier can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to buy car insurance and we’ll show you the proper way to price shop coverage for a new or used Nissan and get the lowest price from both online companies and local agents.

Consumers should take time to compare prices periodically because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Frontier coverage a year ago other companies may now be cheaper. Block out anything you think you know about car insurance because it’s time to teach you the best way to reduce your cost while increasing coverage.

How to buy car insurance online

Most companies such as Allstate and Progressive provide insurance quotes directly from their websites. Obtaining pricing can be done by anyone as you simply type in your personal and coverage information on the page. After the form is submitted, their system pulls your driving record and credit report and returns a price quote based on these and other factors.

Online quotes helps simplify price comparisons, but the process of having to visit many different websites and type in your information is not the best way to spend an afternoon. But it’s very important to do this if you are searching for a lower rate.

There is an easier way!

A more efficient way to lower your car insurance bill utilizes a single form that obtains quotes from many companies. It saves time, eliminates form submissions, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it is quoted and you can choose any of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This guarantees you will have a fair comparison based on similar coverages.

Informed consumers can cut insurance costs

Many different elements are used when quoting car insurance. Some are pretty understandable such as your driving history, but other factors are less obvious like your continuous coverage or your financial responsibility.

The items below are some of the most rate-impacting factors used by your company to calculate premiums.

  • Never go without car insurance – Letting your insurance expire is a guaranteed way to bump up your car insurance costs. In addition to paying higher rates, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license.
  • Car insurance rates and your occupation – Do you have a high-stress occupation? Occupations such as real estate brokerspolice officers and miners tend to pay the highest average rates in part from job stress and lots of time spent away from family. On the other hand, careers like professors, athletes and retirees generally pay rates lower than average on Frontier coverage.
  • Cheaper rates with high comp and collision deductibles – Comp and collision deductibles state the amount of money you are required to spend out-of-pocket before a claim is paid by your company. Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of some claims that would be covered are colliding with a stationary object, vandalism, and damage from wind. The more money the insured has to pay upfront, the bigger discount you will receive on Frontier coverage.
  • Choose high NHTSA crash test ratings and save – Vehicles with high crash test scores get lower rates. These vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Nissan Frontier has at least 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.
  • Which gender costs less? – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean women are BETTER drivers than men. Both genders are responsible for at-fault accidents in similar numbers, but males tend to have more serious accidents. They also get ticketed for serious violations like reckless driving and DUI.

Affordable insurance quotes with discounts

Insurance is not inexpensive, but you may be missing some discounts to help offset the cost. Certain credits will be shown when you purchase, but some discounts are required to be specifically requested before being credited.

  • Multi-line Discount – If the company offers life insurance, you could get a lower insurance rate if you buy some life insurance too.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Organization Discounts – Joining specific professional or occupational memberships or organizations could qualify you for a break when shopping for insurance.
  • First Accident Forgiveness – This one isn’t a discount, but some companies like State Farm and Progressive may permit one accident without the usual rate increase if you are claim-free prior to being involved in the accident.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Own a Home – Owning your own home or condo may earn you a small savings because maintaining a house shows financial diligence.
  • Defensive Driver – Taking part in a driver safety course is a good idea and can lower rates and easily recoup the cost of the course.
  • New Vehicle Savings – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.

One last thing about discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Popular insurance companies and their possible discounts are detailed below.

  • Travelers may offer discounts for hybrid/electric vehicle, save driver, payment discounts, new car, multi-policy, early quote, and driver training.
  • 21st Century offers premium reductions for early bird, 55 and older, good student, teen driver, theft prevention, automatic seat belts, and student driver.
  • State Farm offers discounts including good driver, anti-theft, good student, driver’s education, multiple autos, and student away at school.
  • GEICO includes discounts for military active duty, anti-theft, membership and employees, air bags, and multi-vehicle.
  • SAFECO may have discounts that include multi-car, homeowner, teen safe driver, bundle discounts, anti-theft, and anti-lock brakes.
  • AAA has discounts for anti-theft, education and occupation, AAA membership discount, pay-in-full, and multi-policy.

If you need lower rates, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered on policies in your state. To see insurance companies who offer online insurance quotes, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions may help highlight if you would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • Do I need special endorsements for business use of my vehicle?
  • Who is covered by my policy?
  • When should I remove comp and collision on my 2003 Nissan Frontier?
  • Am I covered if my car is in a flood?
  • Is business equipment covered while in my vehicle?
  • What is no-fault insurance?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, medical services, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Auto collision coverage

This covers damage to your Frontier resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like prosthetic devices, nursing services, chiropractic care and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Nissan Frontier.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, theft, a broken windshield, damage from a tornado or hurricane and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In the end, you save

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut liability coverage limits and learned later they didn’t have enough coverage. The aim is to find the BEST coverage at the lowest possible cost.

Cheaper auto insurance can be purchased on the web and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not have online price quotes and many times these small, regional companies work with local independent agents.

People who switch companies do it for a number of reasons such as delays in paying claims, denial of a claim, lack of trust in their agent or even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be less work than you think.

More detailed auto insurance information can be read by following these links: