2012 Nissan Frontier Car Insurance Rates – 6 Ideas for Cheaper Quotes

Looking for the cheapest car insurance rates for your Nissan Frontier? Are you burned out from paying out the nose to insure your Nissan every month? You are no different than millions of other drivers. With so many insurance providers from which to choose, it’s difficult to locate the cheapest company.

It’s a good idea to compare premium rates before your next renewal because prices change quite often. Even if you got the lowest rates for Frontier insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.

Cut your insurance rates with these six discounts

Some companies don’t list every policy discount very clearly, so the next list breaks down a few of the more common as well as the least known discounts that you can inquire about if you buy auto insurance online.

• Defensive Driving Course – Completing a driver safety course could save 5% or more and make you a better driver.
• Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• Passive Restraints – Vehicles with factory air bags may qualify for discounts as much as 30%.
• Student in College – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car can receive lower rates.
• Paperwork-free – Some insurance companies will discount your bill up to fifty bucks get auto insurance on their website.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will positively reduce your policy cost.

A few popular companies and some of the premium reductions they offer can be read below.

• State Farm offers premium reductions for good student, passive restraint, driver’s education, defensive driving training, student away at school, good driver, and accident-free.
• American Family has discounts for Steer into Savings, TimeAway discount, defensive driver, mySafetyValet, and air bags.
• Geico includes discounts for seat belt use, multi-vehicle, anti-lock brakes, multi-policy, good student, and membership and employees.
• 21st Century may have discounts that include theft prevention, air bags, early bird, good student, driver training, anti-lock brakes, and defensive driver.
• Progressive offers discounts including continuous coverage, online quote discount, good student, online signing, and multi-vehicle.

When comparing rates, check with every company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area.

You are unique and your car insurance should be too

When buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you could use an agent’s help.

• What is the difference between comprehensive and collision coverage?
• Can I afford to buy a different vehicle if my 2012 Nissan Frontier is totaled?
• Am I covered when using my vehicle for business?
• Is my business laptop covered if it gets stolen from my vehicle?
• Can I afford to pay high deductible claims out of pocket?
• If I drive on a suspended license am I covered?
• Should I buy only the required minimum liability coverage?
• Is pleasure use cheaper than using my 2012 Nissan Frontier to commute?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Car insurance coverage specifics

Learning about specific coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as hospital visits, funeral costs, X-ray expenses, dental work and doctor visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, fire damage and theft. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, medical expenses, bail bonds, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision insurance

This covers damage to your Frontier from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

At the end of the day…

Lower-priced car insurance is available both online in addition to local insurance agencies, so you need to quote auto insurance with both to have the best selection. A few companies may not provide online price quotes and most of the time these regional carriers provide coverage only through local independent agents.

You just learned some good ideas how to compare 2012 Nissan Frontier insurance rates online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the best price on car insurance is with some of the lesser-known companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

Additional information is available below:

• How do I File a Claim? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Side Impact Crash Tests (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)