Cheapest 2002 Nissan Frontier Insurance Rates in 2023
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UPDATED: May 12, 2022
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Looking for the cheapest insurance rates for your Nissan Frontier? Have you had enough of trying to scrape together enough money to buy car insurance? Your situation is no different than the majority of other car owners. Companies like State Farm, Progressive and GEICO all promote huge savings with ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.
If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to understand how to shop their coverage around on the web.
Parts of the Nissan Frontier rate equation
An important part of buying insurance is that you know the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with lower car insurance prices.
- Better credit scores mean better rates – Credit score is a huge factor in your rate calculation. If your credit is lower than you’d like, you could be paying less to insure your 2002 Nissan Frontier by improving your rating. People with high credit ratings tend to be more responsible than drivers with poor credit.
- Lower rates come with age – More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teenage drivers are statistically proven to be less responsible when driving therefore car insurance rates are much higher.
- More miles equals more premium – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Autos used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money. Incorrect usage on your Frontier may be wasting your money.
- Better crash test results mean better rates – Vehicles with good safety scores get lower rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Nissan Frontier has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
Save money by taking advantage of these discounts
Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known ways to save on insurance. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
- Drive Safe and Save – Safe drivers may save up to 50% more for Frontier insurance than their less cautious counterparts.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
- Drive Less and Save – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
- Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Frontier insurance with certain companies.
Drivers should understand that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
To see a list of insurers with discount insurance rates, follow this link.
Can you really save that much by switching?
Consumers get pounded daily by advertisements for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to make the same claim of big savings after switching to their company.
How can each company make almost identical claims?
Insurance companies have a preferred profile for the type of customer that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, owns a home, and chooses high deductibles. Any driver who meets those qualifications will get very good rates and therefore will save when switching.
Consumers who don’t measure up to this ideal profile will have to pay higher rates and ends up with business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can make those claims. Because of the profiling, drivers should get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.
When should I use an insurance agent?
When buying proper insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.
- Does my personal policy cover me when driving out-of-state?
- Is my 2002 Nissan Frontier covered for smoke damage?
- Am I covered when using my vehicle for business?
- Am I covered when driving in Canada or Mexico?
- What companies insure drivers after a DUI or DWI?
- Do I need higher collision deductibles?
- Can I afford to buy a different vehicle if my 2002 Nissan Frontier is totaled?
- Do I need motorclub coverage?
- Should I have a commercial auto policy?
- Why am I required to get a high-risk car insurance policy?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Specific coverages for a 2002 Nissan Frontier
Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.
Liability car insurance – This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.
Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Medical costs insurance – Med pay and PIP coverage kick in for bills for X-ray expenses, rehabilitation expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
Collision coverages – This coverage will pay to fix damage to your Frontier caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Frontier.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
A penny saved is a penny earned
We just presented quite a bit of information on how to get a better price on 2002 Nissan Frontier insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.
Budget-conscious insurance can be bought both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance coverage companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.
Even more information can be found by following these links:
- Distracted Driving Extends Beyond Texting (State Farm)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Distracted Driving Statistics (Insurance Information Insitute)
- Things to Know Before you Cancel Insurance (Allstate)
- Driving in Bad Weather (Insurance Information Insitute)
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