2013 Nissan Frontier Car Insurance Quotes – 9 Tips to Save

Looking for cheaper insurance coverage rates for your Nissan Frontier? No one in their right mind likes having to buy insurance coverage, in particular when the cost is too high. Companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons every six months due to the fact that insurance rates trend upward over time. Even if you got the best price for Frontier coverage a few years ago there may be better deals available now. There is a lot of bad information regarding insurance coverage online, so I’m going to show you a bunch of ideas how to put money back in your pocket.

Insurance Quote Comparison

Lowering your 2013 Nissan Frontier insurance rates is not a difficult process. Drivers just need to invest a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The fastest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do boring form submissions for each company you want a rate for. Filling out one form compares rates from all major companies.
  2. Another way to shop for insurance online is to manually visit each company’s website to request a price quote. For instance, we’ll assume you want to compare rates from Progressive, 21st Century and American Family. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

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

However you get your quotes, be sure to compare apples-to-apples coverage limits and deductibles for each comparison quote. If you compare differing limits you will not be able to determine the best price for your Nissan Frontier.

Cut prices on Nissan Frontier insurance

Companies that sell car insurance don’t always advertise every discount very well, so the following is a list of some of the more common and the harder-to-find ways to save on insurance coverage. If you don’t get every credit possible, you’re just leaving money on the table.

  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Frontier coverage depending on your company.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Frontier coverage than drivers with accidents.
  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break when buying insurance coverage for Frontier coverage.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way.

A partial list of companies that may have some of the above discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts might not be offered in every state.

Tailor your coverage to you

When buying coverage, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether or not you might need professional guidance.

  • What is medical payments coverage?
  • Do I need higher collision deductibles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my dog or cat covered if injured in an accident?
  • Why am I required to buy liability insurance?
  • Is business property covered if stolen from my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for cheaper car insurance by State Farm and Allstate. They all have a common claim that you can save if you change to their company.

But how can every company claim to save you money?

Different companies can use profiling for the driver that makes them money. For example, a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A driver who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don’t qualify for these standards will be charged more money which usually ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make those claims. That is why you need to get as many quotes as possible. It’s just too difficult to predict which insurance company will have the lowest Nissan Frontier insurance rates.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by insurance companies.


Liability insurance will cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like medical services, repair costs for stationary objects, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, chiropractic care, EMT expenses, dental work and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance will pay to fix damage to your Frontier resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

When you buy insurance online, do not skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage only to regret they didn’t purchase enough coverage. The aim is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cost effective 2013 Nissan Frontier insurance is attainable on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

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