2021 Nissan Frontier Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 13, 2024

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Trying to find lower insurance rates for your Nissan Frontier? Did you make the mistake of buying high-priced insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate

It’s a great practice to compare rates quite often since insurance prices are constantly changing. Just because you had the best deal on Frontier coverage a couple years back a different company probably has better rate quotes today. You can find a lot of misleading information regarding insurance online but in a few minutes you can learn some proven techniques to slash your insurance rates.

How to buy auto insurance online

Finding a lower price on 2021 Nissan Frontier insurance is pretty simple and can save money. You just have to invest a few minutes to compare rate quotes from online providers. Comparing prices online can be done by using one of the methods below.

One of the simplest ways consumers can make multiple comparisons is a comparison rater form. This style of form saves time by eliminating separate quotation requests for each company. A single form will return price quotes from auto insurance companies with the best prices.

A slightly less efficient method to compare prices consists of going to the website for each individual company and go through the quote process again. For example, let’s say you are doing a rate comparison from GEICO, Farmers and Progressive. You would be required to spend time going to each site individually and repeatedly enter your information, which can get rather old.

The hardest method to price shop rates is driving around to insurance agencies in your area. The internet eliminates this option unless you have a need for the advice and guidance only provided by licensed agents. However, consumers can price shop your coverage online but purchase the actual policy in an agency.

However you get your quotes, make absolute certain that you use the same coverage data on every price quote you get. If you have different coverage information it’s not possible to determine which rate is truly the best.

Save a ton by taking advantage of discounts

Auto insurance is expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. A few discounts will automatically apply at quote time, but some may not be applied and must be specifically requested prior to receiving the credit. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks because maintaining a house means you have a higher level of financial diligence.
  • Safety Course Discount – Passing a defensive driver class could possibly earn you a 5% discount if your company offers it.
  • Mature Driver Discount – Mature drivers could receive reduced rates on Frontier coverage.
  • Discount for Low Mileage – Maintaining low annual mileage can qualify you for substantially lower auto insurance rates.
  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on auto insurance.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Driver Education Discount – Teen drivers should complete a driver education course in school or through a local driver safety program.
  • Accident Forgiveness – This one is not really a discount per se, but some insurance companies will forgive one accident without the usual rate increase if you are claim-free for a set time period.
  • No Accidents – Insureds who avoid accidents and claims can earn big discounts when compared to drivers who are more careless.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A list of auto insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO includes discounts for emergency military deployment, good student, anti-theft, air bags, military active duty, membership and employees, and multi-policy.
  • Mercury Insurance offers discounts including multi-policy, low natural disaster claims, good student, good driver, professional/association, and ease of repair.
  • Farmers Insurance may offer discounts for alternative fuel, bundle discounts, switch companies, electronic funds transfer, and youthful driver.
  • Auto-Owners Insurance policyholders can earn discounts including good student, safe driver, company car, mature driver, and multi-policy.
  • Liberty Mutual offers discounts for new graduate, exclusive group savings, good student, teen driver discount, hybrid vehicle, preferred payment discount, and multi-policy.
  • SAFECO may have discounts that include teen safety rewards, teen safe driver, homeowner, accident prevention training, and safe driver.
  • Progressive has savings for good student, multi-policy, online quote discount, online signing, homeowner, and multi-vehicle.
  • USAA has discounts for military installation, annual mileage, defensive driver, vehicle storage, new vehicle, safe driver, and driver training.

Before buying, ask each company which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in your state.

How much insurance coverage do I need?

When it comes to buying coverage, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Can I afford to buy a different vehicle if my 2021 Nissan Frontier is totaled?
  • Is business property covered if stolen from my car?
  • Can I afford to pay high deductible claims out of pocket?
  • Are my friends covered when driving my car?
  • Which is better, split liability limits or combined limits?
  • What exactly is covered by my policy?
  • Do I have coverage if my license is suspended?
  • How does medical payments coverage work?
  • When should I remove comp and collision on my 2021 Nissan Frontier?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and may give you better protection.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.

Collision – This coverage covers damage to your Frontier caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, structural damage, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass, vandalism, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, prosthetic devices, pain medications, ambulance fees and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Frontier.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

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