2016 Nissan Frontier Car Insurance Quotes

Want cheaper auto insurance rates for your Nissan Frontier? Nobody I know is fond of buying auto insurance, particularly when they could find better prices if they shop around. Insurance companies such as Geico, 21st Century and Progressive continually hit you with TV and radio ads and it is difficult to see through the deception and find the best price available.

Save a ton with discounts

Some companies don’t always publicize every available discount in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden discounts that may be available. If they aren’t giving you every credit available, you’re paying more than you need to.

• Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 25 to 30%.
• Early Switch Discount – Some insurance companies provide a discount for switching companies prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
• Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy qualifies for this discount.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• No Claim Discounts – Drivers with accident-free driving histories can earn big discounts in comparison to drivers who are more careless.
• Discount for Life Insurance – Companies who offer life insurance give a discounted car insurance rate on car insurance if you buy a life policy as well.

Consumers should know that most credits do not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

If you would like to see a list of companies offering car insurance discounts, click here.

What is the best insurance coverage?

When choosing the right insurance coverage, there is no “best” method to buy coverage. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

• Do I have coverage for damage caused while driving under the influence?
• Should I file a claim if it’s only slightly more than my deductible?
• Is business equipment covered while in my vehicle?
• Should I carry comprehensive and collision coverage?
• What is the ISO rating for a 2016 Nissan Frontier?
• What can I do if my company denied a claim?
• When can my company non-renew my policy?
• Can my teen drive my company car?
• Am I covered if I drive in a foreign country?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance policy specifics

Learning about specific coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Liability

This protects you from damage that occurs to other’s property or people. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, legal defense fees, loss of income and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like chiropractic care, EMT expenses, prosthetic devices, surgery and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage pays for damage to your Frontier resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane, vandalism and hail damage. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Buy online or local, you save

We just showed you many ideas to compare 2016 Nissan Frontier insurance car insurance rates online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from an unexpected company. Regional companies often have lower premium rates on specific markets compared to the large companies like Allstate, Geico and Progressive.

Cost effective 2016 Nissan Frontier insurance can be found on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not provide the ability to get quotes online and these smaller providers only sell coverage through independent insurance agencies.

Other articles

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Understanding Limits and Deductibles (Allstate)