1998 Nissan Frontier Insurance Cost – 5 Discounts for Cheapest Prices

Want cheaper insurance rates? Drivers have many options when trying to find the lowest priced Nissan Frontier insurance. You can either spend your time struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to find insurance online and you need to know the best way to quote coverages for a new or used Nissan and obtain the lowest possible price from local insurance agents and online providers.

It’s important to get comparison quotes quite often since insurance prices are variable and change quite frequently. Just because you found the best quotes for Frontier coverage a year ago you may be paying too much now. There is too much inaccurate information about insurance online, but in this article, you’re going to get some proven techniques to lower your insurance rates.

If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. Drivers just need to understand the best way to compare rates over the internet.

How to shop car insurance online

Finding cheap car insurance rates can be relatively painless. Drivers just need to spend a little time getting comparison quotes provided by online insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way to get quotes is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do repetitive form entry for each company you want a rate for. One form gets you coverage quotes from multiple companies.It’s the quickest way to get rates.
  2. A harder way to analyze rates is going to the website for each individual company to complete their respective quote request forms. For examples sake, we’ll assume you want to get rates from Auto-Owners, Liberty Mutual and Allstate. To do that, you would have to visit each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just double check that you are using equivalent coverage limits on every quote you get. If each company quotes different data it’s not possible to determine which rate is truly the best.

More discounts mean cheaper premiums

The price of auto insurance can be rather high, but there’s a good chance there are discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some discounts are required to be manually applied before they will apply.

  • Paperless Signup – Some of the larger companies provide a small discount for signing up digitally online.
  • Distant Student Discount – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Defensive Driver – Taking part in a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
  • Claim Free – Drivers who stay claim-free have much lower rates compared to drivers with a long claim history.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts up to 30%.

Don’t be shocked that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Popular insurance companies and a summarized list of policyholder discounts can be found below.

  • The Hartford offers discounts including air bag, driver training, vehicle fuel type, good student, defensive driver, bundle, and anti-theft.
  • American Family may have discounts that include early bird, accident-free, defensive driver, good driver, air bags, and TimeAway discount.
  • Progressive policyholders can earn discounts including good student, online quote discount, continuous coverage, multi-vehicle, online signing, and homeowner.
  • Travelers may include discounts for early quote, payment discounts, new car, save driver, hybrid/electric vehicle, student away at school, and home ownership.
  • Farmers Insurance offers premium reductions for bundle discounts, homeowner, business and professional, youthful driver, good student, mature driver, and switch companies.
  • USAA has savings for new vehicle, good student, safe driver, loyalty savings, and multi-policy.
  • Liberty Mutual includes discounts for multi-car, good student, preferred payment discount, teen driver discount, new move discount, newly married, and new graduate.

Before you buy a policy, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not be available in your area. To find insurance companies with discount rates, click this link.

It’s not one size fits all

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover whether or not you might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • What can I do if my company won’t pay a claim?
  • Should I have a commercial auto policy?
  • Do I have newly-aquired coverage?
  • Is my teenager covered with friends in the car?
  • If my 1998 Nissan Frontier is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage options for a 1998 Nissan Frontier

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, vandalism, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as funeral costs, pain medications, surgery and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Nissan Frontier.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance – This provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles, pain and suffering, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.