1998 Nissan Frontier Car Insurance Quotes

Shoppers have a choice when shopping for the lowest priced Nissan Frontier insurance. You can either spend your time contacting agents trying to get quotes or use the internet to compare rates.

There are both good and bad ways to shop for auto insurance and we’ll show you the quickest way to compare rates on a Nissan and find the lowest possible price either online or from local insurance agents.

The purpose of this article is to familiarize you with how to get online quotes and some money-saving tips. If you are paying for car insurance now, you should be able to save some money using this information. Drivers just need to know the tricks to shop their coverage around over the internet.

Finding Insurance Coverage

There are several ways you can shop for Nissan Frontier insurance coverage and some are easier and takes less work. You can spend your afternoon driving to insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Most of the larger companies participate in an industry program that enables customers to only type in their quote data once, and each company can provide price quotes. This system prevents you from having to do form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to comparing rates this way is you can’t choose the companies you want pricing from. If you would rather choose from a list of companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare identical deductibles and coverage limits on every quote you get. If you enter different values for each quote you will not be able to make an equal comparison.

Take advantage of discounts

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Most are applied when you quote, but some must be specially asked for before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Homeowners Savings – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Frontier coverage than their less cautious counterparts.
Club Memberships – Participating in a civic or occupational organization could qualify you for a break on insurance coverage for Frontier coverage.
Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
Senior Discount – Mature drivers may receive reduced rates for Frontier coverage.
Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of coverage.

Car insurance companies that may offer these benefits are:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings might not apply in your state.

How to know if you need help

When choosing coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can aid in determining whether you might need professional guidance.

Is my camper covered by my car insurance policy?
Is my babysitter covered when using my vehicle?
Do I need motorclub coverage?
Can I rent a car in Mexico?
Am I covered when driving on a suspended license?
Will my insurance pay for OEM parts?
Are there companies who specialize in insuring high-risk drivers?
Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Frontier.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses like doctor visits, chiropractic care, dental work, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Frontier resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, rolling your car, crashing into a building, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability coverage

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, attorney fees, repair costs for stationary objects, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, a broken windshield, fire damage, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.