2002 Nissan Frontier Car Insurance Quotes – 8 Policy Discounts

Trying to find cheaper car insurance rates for your Nissan Frontier? If online car insurance comparisons are new to you, there’s a good chance you are overwhelmed by the vast number insurance agents and companies offering coverage.

It’s a great practice to take a look at other company’s rates at least once a year because prices change quite often. If you had the lowest quotes for Frontier coverage on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

How to shop insurance online

Performing a rate comparison can be challenging if you don’t understand the best way to get rate quotes. You could spend the better part of a day driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Many companies belong to a marketplace that allows shoppers to submit one quote, and each company then gives them pricing determined by their information. This saves time by eliminating quote requests to every company.

To participate in this free quote system, click to open in new window.

The one downside to using this type of form is you cannot specify which insurance companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

The method you choose is up to you, but make sure you are using nearly identical deductibles and coverage limits on every quote you get. If you are comparing different limits and deductibles on each one you can’t possibly make a fair rate comparison. Even a minor difference in coverage limits may result in a large different in cost. And when price shopping your coverage, more quotes helps improve the odds of finding the best rates.

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Car insurance ads are enticing

Well-known car insurance companies like State Farm, Geico and Progressive regularly use television and radio advertisements. They all seem to make the point about savings if you get a free auto insurance quote and switch your policy. But how can every company give you a lower rate? It’s all in how they say it.

Insurance providers have underwriting criteria for the type of driver that will not have excessive claims. An example of a profitable customer could be over the age of 40, carries full coverage, and has a short commute. Any customer that meets those criteria will qualify for the lowest rates and have a good chance to save a lot of money.

Consumers who do not meet these standards will have to pay a higher rate and this results in the customer buying from a different company. The ad wording is “drivers who switch” but not “all drivers who get quotes” save that much money. This is how companies can make it sound like they have such great auto insurance rates.

That is why drivers should compare free auto insurance quotes often. Because you cannot predict which car insurance company will provide you with the cheapest rates.

Find hidden discounts on insurance

Some insurers do not list all possible discounts very clearly, so the next list breaks down both the well known and also the more inconspicuous credits available to you.

• Distant Student – Kids who live away from home at college without a vehicle on campus can be insured at a reduced rate.
• Discounts for New Vehicles – Putting insurance coverage on a new car may earn a small discount since new model year vehicles have better safety ratings.
• Discount for Swiching Early – Some insurance companies give discounts for buying a policy prior to the expiration date on your current policy. The savings is around 10%.
• Telematics Data – Drivers that enable driving data collection to study where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they are good drivers.
• Safe Driver Discounts – Drivers who avoid accidents can save as much as half off their rates for Frontier coverage than drivers with accidents.
• Senior Citizen Discount – Drivers that qualify as senior citizens may receive a small decrease in premiums for Frontier coverage.
• Multi-policy Discount – If you combine your home and auto policies with the same insurance company you could get a discount of up to 20% and get you cheaper auto insurance.
• Multiple Vehicles – Buying insurance for more than one vehicle with the same company qualifies for this discount.

Just know that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will reduce your policy premium.

A few of the larger companies and some of their more popular discounts are:

• State Farm offers discounts including multiple policy, defensive driving training, Steer Clear safe driver discount, safe vehicle, passive restraint, and good student.
• Progressive policyholders can earn discounts including online signing, continuous coverage, good student, multi-policy, homeowner, and multi-vehicle.
• Progressive includes discounts for good student, multi-policy, homeowner, continuous coverage, online signing, multi-vehicle, and online quote discount.
• MetLife may have discounts that include accident-free, defensive driver, claim-free, good driver, multi-policy, good student
• Farm Bureau offers discounts for renewal discount, driver training, safe driver, multi-policy, youthful driver, and multi-vehicle.
• Geico has discounts for seat belt use, military active duty, daytime running lights, anti-theft, and air bags.
• SAFECO may include discounts for teen safe driver, anti-theft, bundle discounts, safe driver, and homeowner.

If you are trying to find inexpensive auto insurance quotes, ask every insurance company how you can save money. Some discounts listed above might not apply everywhere. To see a list of insurance companies that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

• Do I have coverage when pulling a U-Haul trailer?
• When would I need additional glass coverage?
• Do I really need UM/UIM coverage?
• Is a new car covered when I drive it off the dealer lot?
• Does having multiple vehicles earn me a discount?
• Do I need replacement cost coverage on my 2002 Nissan Frontier?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

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Coverages available on your policy

Knowing the specifics of auto insurance helps when choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your Frontier resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability – Liability insurance can cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as repair costs for stationary objects, attorney fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills like dental work, chiropractic care, hospital visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2002 Nissan Frontier.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Keep this in mind

Lower-priced 2002 Nissan Frontier insurance can be sourced from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. There are still a few companies who may not have the ability to get quotes online and these regional insurance providers only sell through independent agents.

Drivers change insurance companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, policy cancellation or even high prices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

You just read a lot of tips how to compare 2002 Nissan Frontier insurance car insurance rates online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

To read more, take a look at the resources below:

• Older Drivers FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Airbag FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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