Lower Your 1999 Nissan Frontier Insurance Rates

Want the cheapest auto insurance rates for your Nissan Frontier? Are you sick and tired of sacrificing other expenses to keep your car insured? You are no different than many other drivers. Online insurance companies like Progressive, Geico and Farmers Insurance persitently shower you with TV and radio ads and consumers find it hard to ignore the promise of big savings and find the best price available.

It’s a good idea to compare prices yearly since insurance prices fluctuate regularly. Even if you got the best deal for Frontier insurance last year the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because it’s time to teach you how to quote online to lower your annual insurance bill.

Educated choices result in lower insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that could help you find better insurance rates. Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense such as traffic violations, but others are more transparent such as whether you are married and annual miles driven.

The following are most of the major factors that factor into your prices.

• Poor driving habits leads to higher costs – Even one citation may cause rates to rise twenty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. People who have flagrant violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Discounts for auto and home policies – Most larger companies give a discount to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare other company rates to ensure the best deal. Consumers may find better rates even if you insure with multiple companies
• Younger vs. mature drivers – Teen drivers are known to get distracted easily when driving so insurance rates are higher. If you’ve ever had to add a teen driver to your policy can break the bank. More experienced drivers are shown to be more cautious, file fewer claims .
• No claims equals cheap rates – If you’re an insured who likes to file claims don’t be surprised to see either higher rates or even cancellation. Car insurance companies award cheaper rates to insureds who file claims infrequently. Your car insurance is meant to be used in the event of claims that pose a financial burden.
• Raising deductibles saves money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Nissan. Some examples of claims that would be covered could be a broken side mirror, collision with an animal, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. The higher the amount the insured is willing to pay, the lower your rates will be for Frontier insurance.
• Prevent policy lapses – Not having insurance can get you a ticket and insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance will get you fines or a revoked license.
• Extra coverages that may not be needed – There are quite a few add-on coverages that you can get tricked into buying if you don’t pay attention. Insurance for things like coverage for rental cars, accident forgiveness, and term life insurance are some examples. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past remove them from your policy.

How to buy car insurance online

Getting low cost 1999 Nissan Frontier car insurance pricing is not rocket science. Just take the time to compare rate quotes to find the company with low cost insurance quotes. This can easily be done using a couple different methods.

1. If you don’t have a lot of time, the easiest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing a different quote for each company. Filling out one form gets insurance cost estimates from many national carriers.
2. A different way to get comparison quotes requires you to visit each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want to view quotes from State Farm, Esurance and Progressive. You would need to visit each site and punch in your information repeatedly, and that explains why we recommend the first method.

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

3. The old school way to find lower rates is physically going to different agent offices. Comparing online rate quotes reduces the need to sit down with an agent unless you require the extra assistance that only an agent can give. Drivers can get prices online and have a local agent actually service the policy.

The approach you take is up to you, just ensure you are comparing exactly the same coverage information for each price quote. If you compare different liability limits it will be very difficult to determine the lowest rate for your Nissan Frontier.

Insurance buyers beware

Consumers can’t get away from all the ads that claim the cheapest premium rates by Progressive, Allstate and Geico. All the companies state the claim about savings just by switching your policy.

How is it plausible that every one can cost less than your current company? Here is the trick they use.

Companies look for specific characteristics for the right customer that earns them the highest profit. One example of a desirable risk might be described as a married male, has no claims, and drives newer vehicles. A customer that hits that “sweet spot” receives the best premium rates as well as save when switching.

Insureds who don’t qualify for these standards may be required to pay higher premiums and this can result in business not being written. The ad wording is “customers who switch” not “everyone who quotes” can save as much as they claim. That’s why companies can truthfully state the savings. This really emphasizes why drivers must compare price quotes frequently. It’s not possible to predict which insurance company will fit your personal profile best.

Verify you’re getting every discount

Car insurance is easily one of your largest bills, but you might be missing out on some discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but a few must be requested specifically in order for you to get them.

• Discount for New Cars – Buying a new car model can be considerably cheaper because new vehicles keep occupants safer.
• Service Members Pay Less – Being deployed with a military unit could mean lower premium rates.
• Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Defensive Driver – Completing a course teaching defensive driver skills could earn you a small percentage discount and easily pay for the cost of the class.
• Telematics Data – Policyholders that allow driving data submission to look at driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
• Save with More Vehicles Insured – Having multiple vehicles with one company could earn a price break for each car.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
• Professional Organizations – Being a member of a qualifying organization is a good way to get lower rates on car insurance.
• Accident Waiver – This one is not really a discount per se, but a handful of insurance companies may permit one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Discount for Home Ownership – Simply owning a home can save a few bucks because of the fact that having a home is proof of financial responsibility.

Discounts lower rates, but most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies who might offer these discounts may include but are not limited to:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

It’s a good idea to ask every insurance company which discounts you qualify for. Discounts may not apply in every state. To choose car insurance companies who offer car insurance discounts, click here to view.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine whether you would benefit from an agent’s advice.

• Does my medical payments coverage pay my health insurance deductible?
• Are my tools covered if they get stolen from my vehicle?
• Does liability extend to a camper or trailer?
• What is the difference between comprehensive and collision coverage?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered when driving in Canada or Mexico?
• Is pleasure use cheaper than using my 1999 Nissan Frontier to commute?
• What companies insure drivers after a DUI or DWI?
• Is my nanny covered when driving my vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hail damage, damage from flooding and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as court costs, emergency aid and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like funeral costs, pain medications and EMT expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Frontier.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Best coverage at the best price

Throughout this article, we presented some good ideas how you can save on 1999 Nissan Frontier insurance. The most important thing to understand is the more price quotes you have, the better likelihood of getting affordable insurance. You may even discover the best prices are with some of the lesser-known companies. They can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

When getting insurance quotes online, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your aim should be to buy enough coverage at the lowest possible cost.

More tips and info about insurance coverage can be read by following these links:

• Determing Auto Insurance Rates (Geico)
• Parking Tips to Reduce Door Dings (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Teen Driving and Texting (State Farm)