How Much Does 2013 Nissan Frontier Insurance Cost?

Want cheaper insurance coverage rates for your Nissan Frontier? No one looks forward to paying for insurance coverage, especially when they are aware that their premiums are too high.

Online insurance companies like Geico, 21st Century and Progressive continually hit you with advertising and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Lower rates by qualifying for discounts

Insurance is not an enjoyable expense, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited when you get a quote, but a few must be specially asked for before you will receive the discount.

• Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
• Low Mileage Discounts – Keeping the miles down on your Nissan could be rewarded with substantially lower premium rates.
• Military Discounts – Having a deployed family member could be rewarded with lower insurance rates.
• Home Ownership Discount – Owning a home can save a few bucks because owning a home means you have a higher level of financial diligence.
• Professional Memberships – Participating in qualifying employment or professional organizations could trigger savings on your bill.
• Safe Driver Discount – Insureds who avoid accidents may save up to 50% more for Frontier insurance than drivers with accidents.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, click this link.

How to buy auto insurance online

There are a variety of methods you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing based on that information. This saves time by eliminating quote requests for every auto insurance company.

To find out what other companies charge click to open in new window.

The one downside to pricing coverage this way is you cannot specify the companies to get pricing from. So if you want to select from a list of companies to compare prices, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use exactly the same quote information with every price quote. If you enter different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison. Slightly different coverage limits could skew the results. And when comparison shopping, quoting more helps you find a better price. Some companies don’t provide online price quotes, so it’s recommended that you also compare price quotes from them as well.

Insurance is unique, just like you

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out if your insurance needs would benefit from professional advice.

• Why do I only qualify for high-risk insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Does my liability insurance cover pulling a trailer or camper?
• Which companies will insure high-risk drivers?
• Do I need PIP (personal injury protection) coverage in my state?
• Are my friends covered when driving my 2013 Nissan Frontier?
• Does my 2013 Nissan Frontier need full coverage?
• How high should my medical payments coverage be?
• Does my 2013 Nissan Frontier qualify for pleasure use?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Insurance policy coverages for a 2013 Nissan Frontier

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Nissan Frontier.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

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 liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, funeral costs, nursing services, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

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

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

In Summary

We’ve covered quite a bit of information on how to lower your 2013 Nissan Frontier insurance auto insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest auto insurance rates come from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

When you buy car insurance online, you should never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later that it was a big mistake. The aim is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

More information is located below:

• State Car Insurance Guides (Geico)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)