2010 Nissan Frontier Car Insurance Rates – 8 Ideas for Cheaper Quotes

Want the cheapest insurance rates for your Nissan Frontier? Are you tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

With consumers having so many insurance providers from which to choose, it is very difficult to find the cheapest provider.

Compare Auto Insurance Costs

There are several ways to compare Nissan Frontier auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use online quotes to get the quickest rates.

Many companies enroll in a system that enables customers to enter their policy data once, and each participating company provides a quote based on that information. This saves time by eliminating quote forms for every auto insurance company.

To compare 2010 Nissan Frontier rates using this form now click here to open in new window.

One minor caviat to using this type of system is you cannot specify which carriers to receive prices from. If you would rather choose individual companies to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same information on every quote. If you are comparing higher or lower deductibles it will be next to impossible to decipher which rate is best. Quoting even small variations in insurance coverages could mean much higher rates. Keep in mind that quoting more helps you find better pricing.

Discounts mean cheaper Nissan Frontier insurance rates

Auto insurance companies don’t necessarily list all available discounts very clearly, so we break down both the well known as well as the least known auto insurance savings.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
  • Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Accident Free – Drivers who don’t have accidents can save substantially as compared to bad drivers.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Frontier insurance than drivers with accidents.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.

Drivers should understand that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that possibly offer these benefits may include but are not limited to:

Double check with every prospective company what discounts are available to you. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Does my car insurance cover rental cars?
  • Do I need rental car coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • How can I get high-risk coverage after a DUI?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages explained

Learning about specific coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages available from car insurance companies.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like medical services, legal defense fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Collision insurance

Collision insurance will pay to fix damage to your Frontier resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like doctor visits, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Frontier.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, vandalism, hitting a deer, rock chips in glass and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be Smart and Buy Smart

We’ve covered some good ideas how you can lower your 2010 Nissan Frontier insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, drivers have reduced full coverage only to discover later that it was a big mistake. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

More detailed insurance information is located at these sites: