Compare 1999 Nissan Frontier Insurance Rates

Want cheaper car insurance rates for your Nissan Frontier? Trying to find cheaper insurance for a new or used Nissan Frontier can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to quote coverages for a new or used Nissan and locate the lowest possible price.

It’s a good habit to do price comparisons every six months because prices change quite often. Even if you think you had the best quotes on Frontier insurance at your last renewal you can probably find a better rate now. There is lot of inaccurate information about car insurance on the internet, but we’re going to give you some proven techniques to slash your car insurance rates.

If you have a policy now or need a new policy, you can follow these tips to find the best rates while maintaining coverages. Pricing the cheapest coverage is not that difficult. Drivers only need to know the most efficient way to shop their coverage around on the web.

How your Frontier insurance rates are determined

It’s important that you understand the different types of things that come into play when calculating your policy premiums. If you understand what impacts premium levels, this enables you to make decisions that can help you get lower auto insurance prices.

Listed below are a few of the things utilized by car insurance companies to help set prices.

• Where you live factors in – Residing in less populated areas of the country may provide you with better prices when it comes to auto insurance. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas regularly have congested traffic and more severe claims. More time behind the wheel means more chances of being involved in an auto accident.
• Is your vehicle theft-ready? – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
• Gender and insurance coverage costs – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both tend to get into at-fault accidents in similar percentages, but the males cause more damage. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Cheaper premiums with safer cars – Cars with high safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer serious injuries translates into savings for insurance companies which can mean better rates for you.
• More than one policy can earn a discount – The majority of insurance companies will award a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare rates to ensure the best deal.
• Extra coverages could be costing you – Insurance companies have many add-on coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like rental car reimbursement, death and dismemberment, and motor club memberships could be just wasting money. You may think they are a good idea when talking to your agent, but your needs may have changed so get rid of them and save.

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These discounts can slash insurance rates

Insurance is not cheap nor is it fun to buy but there could be significant discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be asked for prior to receiving the credit. If you do not double check each discount possible, you could be saving more on your insurance.

• College Student Discount – who live away from home to go to college and do not take a car to college may be able to be covered for less.
• Service Members Pay Less – Being deployed with a military unit could qualify you for better premium rates.
• Senior Citizens – Seniors could receive a small discount on rates on Frontier insurance.
• Drivers Education – Teen drivers should take driver’s ed class in school.
• First Accident Forgiveness – Not necessarily a discount, but some insurance companies will let one accident slide before hitting you with a surcharge if your claims history is clear prior to being involved in the accident.
• Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you could save over 10 percent off each policy depending on the company.

Discounts save money, but please remember that most discounts do not apply the the whole policy. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Auto insurance companies that have most of these discounts are:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

Before purchasing a policy, check with each company or agent which credits you are entitled to. Depending on the company, some discounts may not be available in every state. To see a list of companies with discount insurance rates, click here to view.

Save $423 a year. For real?

Consumers can’t get away from all the ads for the lowest price insurance by 21st Century, Allstate and State Farm. They all seem to make the same claim about saving some big amount just by switching your policy.

How is it possible that every company can give you a better price? Here is the trick they use.

Insurance providers offer their best rates for the type of driver that will generate a profit. An example of a profitable customer might be between the ages of 30 and 50, has a low-risk occupation, and has a high credit rating. Any customer who fits those characteristics will get low premium rates and therefore will save some money.

Consumers who don’t measure up to these stringent criteria will be quoted a higher rate with the end result being the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can claim big savings. Because every company is different, you should get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

When do I need an agent’s advice?

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions may help you determine whether or not you will benefit from professional help.

• Does coverage extend to a rental car in a foreign country?
• Do I pay less for low miles?
• At what point should I drop full coverage?
• Are my friends covered when driving my car?
• Can my teen driver be rated on a liability-only vehicle?
• Is a new car covered when I drive it off the dealer lot?
• Am I better off with higher deductibles on my 1999 Nissan Frontier?
• Can I afford to buy a different vehicle if my 1999 Nissan Frontier is totaled?
• What if I don’t agree with a claim settlement offer?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

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Specific coverage details

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like loss of income, court costs, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverage protection

This pays for damage to your Frontier caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for chiropractic care, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

The bottom line

We’ve covered some good ideas how to get a better price on 1999 Nissan Frontier insurance. The key concept to understand is the more times you quote, the better likelihood of getting low cost insurance. Consumers may even find the lowest car insurance rates come from an unexpected company.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, high rates after DUI convictions, questionable increases in premium or even policy cancellation. Regardless of your reason, finding the right insurance coverage provider can be easier than you think.

As you quote insurance, never reduce coverage to reduce premium. Too many times, someone sacrificed liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Additional information can be found at these links:

• Booster Seat Ratings (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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