View 2004 Nissan Frontier Insurance Rates

Searching for better insurance rates for your Nissan Frontier? Being forced to pay for expensive insurance premiums can bleed your bank account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to make ends meet.

Due to the abundance of choices, it’s difficult to choose a more affordable insurance company.

Discounts for lower-cost auto insurance rates

Some insurance providers don’t necessarily list every possible discount very clearly, so here is a list both the well known as well as the least known auto insurance savings.

• Distant College Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
• Savings for New Vehicles – Putting insurance on a new car can cost up to 25% less compared to insuring an older model.
• Multiple Vehicles – Insuring multiple cars or trucks on the same auto insurance policy can get a discount for every vehicle.
• Clubs and Organizations – Being in qualifying employment or professional organizations could qualify you for a break on your bill.
• E-sign Discounts
• Discount for Home Ownership – Owning a house can save you money because it requires personal responsibility.
• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

Popular auto insurance companies and their offered discounts are:

• Farmers Insurance offers discounts including homeowner, switch companies, teen driver, multi-car, and electronic funds transfer.
• State Farm may offer discounts for multiple policy, good student, accident-free, passive restraint, and multiple autos.
• Liberty Mutual discounts include new graduate, teen driver discount, exclusive group savings, hybrid vehicle, and safety features.
• MetLife has savings for good driver, defensive driver, accident-free, claim-free, multi-policy, and good student.
• Progressive has discounts for online quote discount, good student, online signing, multi-policy, and continuous coverage.

If you want the cheapest insurance coverage quotes, ask every prospective company which discounts they offer. Some discounts might not be offered on policies in your area. If you would like to choose from a list of providers who offer auto insurance discounts, click this link.

The fastest way that we advise to compare insurance rates from multiple companies is to take advantage of the fact almost all companies pay for the opportunity to give you rate quotes. All you need to do is give them rating details like how much you drive, if the car is leased, how much school you completed, and if you are currently licensed. Your insurance information is then sent to many highly-rated insurers and you will get price comparisons immediately.

Find Nissan Frontier insurance cheaper

A large part of saving on auto insurance is knowing a few of the rating criteria that help determine your auto insurance rates. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can earn you lower premium levels. Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are more transparent like your vehicle usage or how safe your car is.

• Drive less and get lower prices – The more you drive your Nissan in a year’s time the higher your rate. Many insurance companies calculate prices based on their usage. Vehicles that have low annual miles get more affordable rates than vehicles that have high annual mileage. An improperly rated Frontier may be costing you. Double check that your policy properly reflects the correct driver usage.
• Minor frequent policy claims are not good – If you file claims often, you should expect higher premiums or even policy non-renewal. Companies award most affordable rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
• Do you have enough liability insurance? – Your auto insurance policy’s liability coverage is the protection when a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Your address can modify price – Residing in less populated areas may provide you with better prices when buying auto insurance. Lower population corresponds to lower accident rates in addition to fewer liability claims. City drivers have to deal with traffic congestion and higher rates of accident claims. Spending more time driving statistically corresponds to a higher accident and claim rate.
• Battle of the sexes – Statistics show that females take fewer risks when driving. It does not mean females are better drivers. Women and men tend to get into auto accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore pay the highest rates.
• Low credit rating equals high prices – A driver’s credit score is a large factor in determining what you pay. Drivers with high credit scores tend to be better risks to insure than drivers who have poor credit scores. Therefore, if your credit could use some work, you could save money insuring your 2004 Nissan Frontier by improving your credit score.
• Companies want multiple policies – Lots of auto insurance companies will award lower prices to insureds that have more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to guarantee you are still saving the most.There is a chance you can find better rates by splitting coverages up.
• Increase physical damage deductibles to save – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some coverage claims could be collision with another vehicle, flood damage, and having your car stolen. Deductibles for physical damage state the amount of money you are willing to pay before a claim is paid by your company. The more of the claim you’re willing to pay, the better rate you will receive on Frontier insurance.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you might need professional guidance.

• Will I be non-renewed for getting a DUI or other conviction?
• Do all my vehicles need collision coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Why am I required to get a high-risk car insurance policy?
• What is an SR-22 filing?
• Do I have coverage if my license is suspended?
• Does coverage extend to my business vehicle?
• Is other people’s property covered if stolen from my vehicle?
• I have health insurance so do I need medical payments coverage?
• What if I total my 2004 Nissan Frontier and owe more than it’s worth?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, court costs and loss of income. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, prosthetic devices, hospital visits, doctor visits and chiropractic care. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Frontier.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage will pay to fix damage to your Frontier caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, backing into a parked car, hitting a mailbox, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Save your cold hard cash

Cheaper auto insurance can be purchased online as well as from independent agents, so you need to quote insurance coverage with both to have the best selection. There are still a few companies who don’t offer price quotes online and these regional insurance providers provide coverage only through independent agents.

In this article, we presented a lot of information how to save on 2004 Nissan Frontier insurance. The key thing to remember is the more you quote insurance coverage, the higher the chance of saving money. Consumers could even find that the most savings is with the smaller companies. Some small companies may have significantly lower prices on certain market segments compared to the large companies like Geico and State Farm.

For more information, take a look at the articles below:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)