The most effective way to get cheaper Nissan Frontier insurance is to begin comparing prices regularly from providers who provide car insurance in Lexington.
Step 1: Gain an understanding of how insurance works and the changes you can make to keep rates low. Many factors that increase rates such as multiple speeding tickets and an unfavorable credit rating can be remedied by making minor changes to your lifestyle.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of companies.
Step 3: Compare the new rates to your existing policy and see if there is a cheaper rate. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
Step 4: Notify your agent or company to cancel your current auto insurance policy. Submit a completed application and payment to the new company. Once the paperwork is finalized, keep your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
A valuable tip to remember is to make sure you’re comparing the same level of coverage on each quote request and and to get prices from as many companies as possible. This helps ensure a level playing field and a complete price analysis.
It’s astonishing, but the vast majority of consumers kept their policy with the same company for at least four years, and nearly 40% of drivers have never shopped around. Most drivers in Lexington can save hundreds of dollars each year, but they don’t know the rate savings if they switch to a new company.
Quoting and buying the cheapest policy in Lexington is easy to do. If you have a policy now or want to find a cheaper company, you can use these techniques to find the best rates without sacrificing coverage. Vehicle owners just need to understand the quickest way to compare insurance rates online from multiple companies.
Smart Choices Result in Lower Insurance Rates
Many factors are part of the calculation when quoting car insurance. Some are obvious like your driving record, but some are not quite as obvious such as whether you are married and annual miles driven.
The following are a few of the “ingredients” used by your company to calculate prices.
Rates can be impacted by your job – Did you know your occupation can influence how much you pay for insurance? Occupations like doctors, architects, and stock brokers generally pay higher premiums than the average policyholder attributed to intense work-related stress and extremely grueling work hours. Conversely, careers like professors, historians and homemakers get better rates.
Higher premiums for insurance lapses – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with the Kentucky DMV.
Adjust comp and collision deductibles and save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Nissan from damage. Some examples of covered claims are running into the backend of another car, flood damage, and damage caused by flying debris. Your deductibles are the amount of money the insured will be required to pay if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be.
The type of car you drive affects your premiums – The performance level of the vehicle you are insuring makes a huge difference in your premium level. The best insurance prices are generally reserved for small economy passenger models, but many other things help determine your insurance rates.
The data below uses these variables: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Nissan Frontier insurance rates compared to other vehicles that have different performance risks.
Extra coverages can add up – There are a lot of optional add-on coverages that can add up if you don’t pay attention. Insurance for rental car reimbursement, high-cost glass coverage, and extra equipment coverage may be costing you every month. They may sound like good ideas when buying your policy, but now you might not need them so remove them from your policy.
When should you file insurance claims? – Companies in Kentucky generally give discounts to drivers who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended for more catastrophic claims.
Insurance loss data for Nissan Frontier vehicles – Insurers use past insurance losses to calculate a price that will offset losses. Vehicles that are shown to have higher claim amounts or frequency will have increased rates. The table below illustrates the loss history for Nissan Frontier vehicles.
For each type of coverage, the statistical loss for all vehicles as a whole is a value of 100. Numbers below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or statistically larger claims.
|Specific Nissan Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Frontier Crew Cab LWB 2WD||57||64|
|Nissan Frontier Crew Cab LWB 4WD||64||95||78|
|Nissan Frontier Crew Cab SWB 2WD||77||97||67||106||87||98|
|Nissan Frontier Crew Cab SWB 4WD||71||95||76||70||79||85|
|Nissan Frontier Ext Cab 2WD||73||110||71||89||87||117|
|Nissan Frontier Ext Cab 4WD||68||80||63||56|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Rates and detailed analysis
The coverage information shown below showcases estimates of coverage costs for Nissan Frontier models. Understanding how insurance quotes are established can assist in making smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$144||$290||$384||$22||$114||$954||$80|
|Frontier SE King Cab 2WD||$170||$290||$384||$22||$114||$980||$82|
|Frontier SE Crew Cab 2WD||$170||$352||$384||$22||$114||$1,042||$87|
|Frontier Pro-4X King Cab 2WD||$194||$352||$384||$22||$114||$1,066||$89|
|Frontier LE King Cab 2WD||$194||$352||$384||$22||$114||$1,066||$89|
|Frontier SE King Cab 4WD||$194||$290||$306||$18||$92||$900||$75|
|Frontier Pro-4X Crew Cab 2WD||$194||$416||$384||$22||$114||$1,130||$94|
|Frontier LE Crew Cab 2WD||$194||$416||$384||$22||$114||$1,130||$94|
|Frontier SE Crew Cab 4WD||$194||$352||$306||$18||$92||$962||$80|
|Frontier LE King Cab 4WD||$220||$352||$306||$18||$92||$988||$82|
|Frontier Pro-4X King Cab 4WD||$220||$352||$306||$18||$92||$988||$82|
|Frontier Pro-4X Crew Cab 4WD||$220||$352||$306||$18||$92||$988||$82|
|Frontier LE Crew Cab 4WD||$220||$352||$306||$18||$92||$988||$82|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can affect coverage prices noticeably.
The diagram below shows how different deductible levels and can impact Nissan Frontier insurance costs for different insured age categories. The premiums assume a married female driver, full coverage, and no discounts are taken into consideration.
Careless driving habits raise Lexington auto insurance rates
The illustration below demonstrates how speeding tickets and at-fault collisions impact Nissan Frontier insurance costs for different age categories. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Rate comparison of males versus females in Lexington
The illustration below compares Nissan Frontier insurance rates for male and female drivers. The information is based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The information below visualizes the comparison of Nissan Frontier auto insurance costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $250 deductibles, single status, and no other discounts are factored in.
When to buy liability coverage only
There is no definitive formula for excluding full coverage, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Nissan Frontier settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the deductible is paid. If premiums are more than $500 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where only buying liability is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.
Cheap Nissan Frontier insurance in Lexington
Car insurance can cost a lot, but you may find discounts to help bring down the price. Most are applied at the time of quoting, but once in a while a discount must be asked about before you get the savings.
- Telematics Devices – Policyholders that allow driving data submission to analyze where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction as long as the data is positive.
- Driver Training Discounts – Taking part in a course in safe driver can save you 5% or more depending on where you live.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
- Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
- Distant Student – Kids who are enrolled in a college that is more than 100 miles from Lexington and do not have a car could qualify for this discount.
One last thing about discounts, most credits do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
The chart below illustrates the comparison of Nissan Frontier yearly insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims, a clean driving record, Kentucky state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.
Popular car insurance companies and their possible discounts are detailed below.
- GEICO discounts include federal employee, membership and employees, multi-policy, daytime running lights, and anti-lock brakes.
- Travelers may have discounts that include hybrid/electric vehicle, multi-car, early quote, student away at school, payment discounts, save driver, and home ownership.
- Farm Bureau has savings for multi-vehicle, good student, 55 and retired, driver training, multi-policy, and safe driver.
- Liberty Mutual policyholders can earn discounts including newly retired, good student, teen driver discount, new vehicle discount, newly married, hybrid vehicle, and new graduate.
- American Family offers premium reductions for accident-free, mySafetyValet, defensive driver, early bird, good driver, Steer into Savings, and multi-vehicle.
- Progressive offers discounts including continuous coverage, good student, homeowner, multi-vehicle, multi-policy, and online quote discount.
When comparing rates, check with each company or agent how you can save money. All car insurance discounts may not be available everywhere. To view companies that offer discounts in Kentucky, click here.
Find affordable rates by being thorough
While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured cut collision coverage to discover at claim time that they should have had better coverage. Your goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.
You just read a lot of tips how to save on Nissan Frontier insurance in Lexington. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a small local company. These companies can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate or State Farm.
Much more information about car insurance in Kentucky can be found below:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Lexington Car Insurance Quotes for Business Use? (FAQ)
- Who Has Affordable Lexington Auto Insurance Rates for Real Estate Agents? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda Accord in Lexington? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)