2003 Nissan Frontier Car Insurance Rates – 9 Ways to Save

Trying to find cheaper insurance coverage rates for your Nissan Frontier? Nobody that owns a car fancies paying their premiums for insurance coverage, especially when the price is too high.

People have so many insurers to buy insurance from, and although it’s a good thing to have a choice, more options can take longer to find the lowest rates.

It’s smart to do rate comparisons as often as possible because prices are variable and change quite frequently. Just because you had the best deal for Frontier insurance a year ago there may be better deals available now. There is a lot of bad information regarding insurance coverage online but you can learn the best ways to find affordable insurance coverage.

Low cost car insurance

There are several ways to compare car insurance quotes, but some are more efficient than others. You can spend your afternoon talking to agents in your area, or you could use the internet to get the quickest rates.

Many companies are enrolled in a marketplace that enables customers to send in one quote, and every company returns a competitive quote. This eliminates the need for quotation requests for every car insurance company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of form is you cannot specify which insurance companies to get quotes from. If you wish to select individual companies to compare rates, we have assembled a list of companies who write car insurance in your area. Click to view list.

Whichever way you use, be sure to compare the exact same coverage limits and deductibles for every company. If your comparisons have mixed coverages then you won’t be able to determine the lowest rate for your Nissan Frontier. Even a minor difference in coverages could skew the results. And when comparison shopping, comparing a wide range of rates will increase your chances of finding a lower rate than you’re paying now.

Take advantage of every car insurance discount

Some providers don’t necessarily list all disounts very clearly, so the following list contains a few of the more common and also the more inconspicuous discounts that you may qualify for.

• Sign Online – Certain car insurance companies will discount your bill up to fifty bucks for signing up on the internet.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
• Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
• Drive Safe and Save – Accident-free drivers may receive a discount up to 45% for Frontier insurance than drivers with accident claims.
• Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Telematics Data Discounts – Policyholders that allow their company to spy on their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they have good driving habits.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
• Discount for Low Mileage – Fewer annual miles on your Nissan could be rewarded with substantially lower prices.
• Auto/Life Discount – If the company offers life insurance, you could get a break if you buy life insurance.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Even though it appears you could get a free car insurance policy, you’re out of luck.

Some of the larger companies that may offer quotes with these money-saving discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

It’s a good idea to ask every company to give you their best rates. Savings might not be offered in your area. To see companies who offer discounts, follow this link.

How to know if you need help

When buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you would benefit from professional advice.

• Does my policy pay for OEM or aftermarket parts?
• Should I buy additional glass protection?
• Where can I get insurance after a DUI in my state?
• Is my vehicle covered by my employer’s policy when using it for work?
• Why is insurance for a teen driver so high?
• Do I have newly-aquired coverage?
• What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage options for a 2003 Nissan Frontier

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, hail damage, damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – This will pay to fix damage to your Frontier resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Nissan Frontier.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like funeral costs, pain medications, nursing services and rehabilitation expenses. 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 as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability coverages – Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and bail bonds. How much coverage you buy is a personal decision, but buy as much as you can afford.

A tidy conclusion

Cheap 2003 Nissan Frontier insurance is definitely available both online and with local insurance agents, so you need to shop auto insurance with both in order to have the best price selection to choose from. A few companies may not provide rates over the internet and these small insurance companies prefer to sell through independent insurance agents.

In this article, we presented a lot of ways to lower your 2003 Nissan Frontier insurance premium rates. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive auto insurance. Consumers may even find the most savings is with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

For more information, feel free to visit these articles:

• Safety Belts FAQ (iihs.org)
• Teen Driving and Texting (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)