View 2009 Nissan Frontier Insurance Cost

Finding the cheapest insurance for a Nissan Frontier can normally be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to find auto insurance online and we’ll show you the quickest way to price shop coverage for your Nissan and get the best price possible from both online companies and local agents.

It’s smart to price shop coverage at least once a year because rates are usually higher with each renewal. If you had the lowest premium rates on Frontier coverage six months ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the proper way to find great coverage at a great price.

If you are insured now or are just looking to switch companies, you can follow these tips to cut your premiums and possibly find even better coverage. Shopping for the cheapest insurance coverage is simple if you know the tricks. Drivers just need to learn the tricks to get comparison quotes over the internet.

How to compare auto insurance quotes

Finding cheaper auto insurance rates can be quick and easy. The only requirement is to spend a few minutes comparing rates to find the company with cheap auto insurance quotes. It is quite easy and can be accomplished in a couple of different ways.

  • One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This form keeps you from doing repetitive form entry for every auto insurance company. In just a few minutes this one form gets rate comparisons from many national carriers.It’s the quickest way to get rates.
  • Another way to find more affordable insurance requires a visit to the website of each company and repeat the quote process. For examples sake, let’s assume you want to get rates from Liberty Mutual, Geico and Travelers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

  • The least recommended way to find and compare rates is making phone calls or going to insurance agents’ offices. Shopping for auto insurance online has made agencies unnecessary unless you prefer the trained guidance only provided by licensed agents. Although, it is possible price shop online and still use a local agent.

Whichever method you choose, try to keep equivalent coverages and limits for each price quote. If your comparisons have different liability limits you will not be able to make a fair rate comparison.

Do you qualify for discount auto insurance?

Car insurance is not cheap, but you might already qualify for some discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but some discounts are required to be inquired about before they will apply. If you don’t get every credit possible, you may be paying too high a price.

  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings as much as 30%.
  • Active Service Discounts – Being deployed in the military could qualify you for better auto insurance rates.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the PIP or medical payment premium.
  • Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
  • Switch and Save Discount – A few auto insurance companies allow discounts for switching policies prior to your current policy expiration. It could save around 10% when you buy auto insurance online.
  • Theft Deterent System – Cars that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a auto insurance quote.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.

The best auto insurance companies and some of the premium reductions they offer are included below.

  • Geico has discounts for daytime running lights, five-year accident-free, seat belt use, membership and employees, and anti-theft.
  • SAFECO includes discounts for teen safety rewards, anti-theft, bundle discounts, accident prevention training, and anti-lock brakes.
  • State Farm offers discounts including good student, student away at school, accident-free, multiple policy, and passive restraint.
  • MetLife policyholders can earn discounts including good student, claim-free, good driver, multi-policy, defensive driver, accident-free
  • 21st Century may have discounts that include homeowners, teen driver, defensive driver, anti-lock brakes, early bird, good student, and student driver.
  • Progressive discounts include homeowner, online signing, multi-vehicle, online quote discount, and good student.

It’s a good idea to ask all companies you are considering to apply every possible discount. Some discounts listed above might not apply in your area. To find providers that offer many of these discounts, follow this link.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • How much liability coverage do I need in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Does insurance cover damages from a DUI accident?
  • Am I insured when driving a different vehicle?
  • Is my ex-spouse still covered by my policy?
  • Is rental equipment covered for theft or damage?
  • Should I buy additional glass protection?
  • Do I need replacement cost coverage on my 2009 Nissan Frontier?
  • What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Insurance specifics

Knowing the specifics of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision insurance

Collision insurance pays for damage to your Frontier resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability insurance

This coverage provides protection from damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, loss of income, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for chiropractic care, hospital visits, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop. Compare. Save.

Cost effective 2009 Nissan Frontier insurance is possible from both online companies as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer rate quotes online and many times these smaller providers only sell through independent agents.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

People who switch companies do it for a number of reasons such as unfair underwriting practices, questionable increases in premium, denial of a claim and even policy cancellation. Whatever your reason, finding the right insurance coverage provider is less work than it seems.

Helpful learning opportunities

Comments About 2009 Nissan Frontier Insurance

  1. Cecil Price

    Not sure if this is cheap. I’m just east of Lexington, Kentucky. Got car insurance quotes from USAA, AIG Insurance, Liberty Mutual, and Mercury for my Nissan and I think I saved around $50 each month. Insured with Travelers before. Have an at-fault accident tho.

  2. Wayne Lott

    This is too expensive. I’m in the north part of South Burlington, VT. Compared rates from a lot of places. Saved right around $30 a month. GEICO was the cheapest for me. I have a couple other vehicles on the policy.

  3. Lashell Coffey

    FYI in San Antonio, TX try GEICO. I got a good deal.

  4. Erika Dillon

    Not sure what I should be paying. I’m in Little Rock, Arkansas. Got car insurance prices from AIG Insurance, Erie, and Safeco for my 2009 Nissan Frontier and saved just over $510 a year. God forbid I actually have a claim.

  5. Verla Fleming

    Well-written and thought out article. I live in a small town just outside of Detroit, Michigan. Got free quotes online for a 2009 Nissan Frontier. Ended up at about $480 savings annually. Went with Progressive. Thankfully I have a good driving record.

  6. Angila Kinney

    I switched to GEICO. Quoted good rates in Fort Wayne, Indiana. Switched homeowners coverage too.

  7. Argentina Morgan

    I compared a lot of rate quotes for a 2009 Nissan Frontier in Philadelphia, Pennsylvania. Ended up at about $450 every six months with AAA. Insured with AIG Insurance before. I increased coverages a little too. It’s easy to compare rates online now.

  8. Kyong Stewart

    From Baltimore, MD. Quoted prices online for a 2009 Nissan Frontier. Ended up at about $380 savings annually. Went with Progressive. Left Esurance to switch. I have a couple other vehicles on the policy. Not sure about claim service.

  9. Ada Hodge

    Where is cheaper car insurance? I’m just east of South Burlington, VT. Quoted quotes from 21st Century, AAA, and some I forget for my 2009 Nissan Frontier and I’m now saving $41 a month. Was with Travelers. Good savings if you bundle.

  10. Clement Decker

    Does GEICO insure after a DUI?

  11. Margarita Harding

    I’ve bought from GEICO forever. Cheapest rates in Burlington, VT.

  12. Florencio Fulton

    I got a good deal I think. I live south of Milwaukee, WI. Got car insurance quotes with AAA, Esurance, and Nationwide for my Nissan and saved just over $340 a year. Insured with State Farm before. I have a couple other vehicles on the policy. I just quoted rates online.

  13. Pedro Stanley

    Does New York have minimum liability requirements?