2014 Nissan Frontier Car Insurance Rates – 10 Savings Tips

Did you fall for a flashy sales pitch and buy an expensive insurance coverage policy? You’re in good company because many consumers are in the same pinch.

Since you have so many different company options, it can be hard to locate the most affordable insurer.

Buying the cheapest auto insurance coverage is easy if you know what you’re doing. Just about anyone who is required by state law to have auto insurance will more than likely be able to find lower rates. But car owners can benefit from knowing the methods companies use to price online insurance because it can help you find the best coverage.

The best way to compare insurance rates in your area is to know auto insurance companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as how you use your vehicles, how many miles driven, whether or not you need a SR-22, and how old drivers are. That rating information is sent automatically to multiple top-rated companies and you will receive price estimates immediately.

To compare rates for your 2014 Nissan Frontier now, click here and see if a lower rate is available.

Ten discounts to earn cheap insurance coverage rates

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you complete an application, but a few need to be asked about prior to getting the savings. If they aren’t giving you every credit you deserve, you are just wasting money.

• Own a Home – Just being a homeowner can help you save on insurance coverage because owning a home means you have a higher level of financial diligence.
• Active Military Service – Being on active duty in the military may qualify for rate reductions.
• Claim Free – Drivers with accident-free driving histories have much lower rates as opposed to insureds who have frequent claims or accidents.
• Save with More Vehicles Insured – Insuring multiple cars or trucks with one company can get a discount for every vehicle.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up could cut 10% or more off the personal injury premium cost.
• Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
• Savings for New Vehicles – Buying a new car model can cost up to 25% less since newer models are generally safer.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
• Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn 10% to 20% off each policy.
• Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates on your next renewal.

As is typical with insurance, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

Some companies that have some of the above discounts may include but are not limited to:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When getting a coverage quote, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply to policies in your state. To choose providers that can offer you the previously mentioned discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether you would benefit from professional advice.

• When should I buy a commercial auto policy?
• Do I have any recourse if my insurance company denies a claim?
• Is upholstery damage covered by car insurance?
• When do I need to add a new car to my policy?
• Can I get a multi-policy discount?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my medical payments coverage pay my health insurance deductible?
• How do I buy GAP insurance?
• Are there companies who specialize in insuring high-risk drivers?
• Is my camper covered by my car insurance policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage in the media

Companies like Geico, State Farm and Progressive consistently run ads on television and other media. All the ads advertise the message that you can save if you change your insurance coverage coverage to their company. How is it possible that every company can charge you less for car insurance? Here is the trick they use.

All companies are able to cherry pick for the right customer that will generate a profit. For instance, a driver they prefer should be married and over the age of 30, carries high limits, and drives less than 7,500 miles a year. Any customer who matches that profile will get the preferred car insurance rates and have a good chance to save quite a bit of money when switching.

People who cannot meet these criteria will see higher premiums and ends up with the customer buying from a different company. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently lure you into getting a quote.

This illustrates why drivers must compare many company’s prices. Because without a comparison, you cannot know the company that will give you lower premium rates than your current company.

Specific coverages for a Nissan Frontier

Knowing the specifics of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2014 Nissan Frontier.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, fire damage, vandalism and hitting a bird. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

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

Collision coverage protects against claims such as crashing into a building, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, EMT expenses, ambulance fees, doctor visits and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverage

This coverage provides protection from damage that occurs to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical expenses, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Buy online or local, you save

We just covered some good ideas how you can save on 2014 Nissan Frontier insurance. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap insurance. Drivers may discover the lowest priced insurance coverage comes from a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Geico and State Farm.

When getting insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price, but don’t skip important coverages to save money.

More detailed insurance coverage information is located by following these links:

• Teen Driver Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)