Car Insurance Quotes for a Nissan Frontier in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Nissan Frontier

Insurance for Nissan FrontierThe most effective way to find low-cost Nissan Frontier insurance is to make a habit of comparing prices annually from providers in Plano. Drivers can shop around by following these guidelines.

  1. Spend some time learning about coverages and the changes you can make to prevent expensive coverage. Many things that result in higher rates like at-fault accidents, speeding tickets, and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple insurance companies.
  3. Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide proper notification to your current company to cancel your current auto insurance policy. Submit a completed policy application and payment to the newly selected company. Once the paperwork is finalized, keep your new certificate verifying proof of insurance in your vehicle's glove compartment or console.

One tip to remember is to try to compare similar limits and deductibles on each price quote and and to compare as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and the best price selection.

Unimaginable but true, a large majority of drivers have bought insurance from the same company for more than four years, and approximately 40% of consumers have never even compared rates from other companies. American consumers could save themselves almost $860 a year, but they mistakenly think it's difficult to save money by comparing rate quotes.

How do Insurance Providers Determine Nissan Frontier Insurance Costs?

The best way to find cheaper auto insurance is to take a look at some of the things that play a part in calculating your policy premiums. If you have a feel for what controls the rates you pay, this enables informed choices that will entitle you to big savings. Many things are part of the equation when you get your auto insurance bill. Some factors are common sense such as your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven.

  • Gals tend to be lower risk - Statistics show women tend to be less risk to insure than men. Now that doesn't mean men are WORSE drivers than women. Women and men cause at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving. Male teenagers generally have the highest accident percentage so it costs more to insure them.

    The example below illustrates the difference between Nissan Frontier auto insurance rates for male and female drivers. The costs are based on no claims or violations, comp and collision included, $100 deductibles, single status, and no policy discounts are applied.

  • Cheaper prices for prior coverage - Driving without insurance can get you a ticket and your next policy will cost more because you let your coverage lapse. In addition to paying higher rates, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Pay less with a high crash test rating - Vehicles with good safety scores can get you lower premiums. Safer cars reduce the chance of injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Nissan Frontier earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Small coverages can add up - There are quite a few add-on coverages that you can get tricked into buying on your auto insurance policy. Insurance for things like roadside assistance, better glass coverage, and motor club memberships could be just wasting money. These may sound like a good investment when talking to your agent, but now you might not need them so remove them and pocket the money.
  • Annual mileage impacts costs - The more you drive your Nissan each year the more you will pay for auto insurance. The majority of insurers rate vehicles partially by how you use the vehicle. Cars that sit idle most of the time cost less to insure compared to those used for work or business. Improper usage on your Frontier can result in significantly higher rates. Verify your auto insurance policy is rated on the correct usage for each vehicle.
  • Better credit means lower premiums - Your credit score factor in calculating your auto insurance rates. Insureds that have high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores. So if your credit history is not that good, you could pay less to insure your Nissan Frontier by improving your rating.
  • Traffic violations drive up prices - Being a careful driver has a lot to do with how much you pay for insurance. Having just one driving citation could increase your next policy renewal twenty percent or more. Attentive drivers receive lower rates as compared to those with violations. Drivers who have gotten serious tickets such as DWI, reckless driving or hit and run convictions may need to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

    The chart below demonstrates how citations and accidents can increase Nissan Frontier premium costs for different age groups. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

  • Insurance losses for a Nissan Frontier - Companies take into consideration historical loss data for every vehicle to help calculate premium rates. Models that have higher loss trends will cost more to insure.

    The next table shows the insurance loss data used by companies for Nissan Frontier vehicles. For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, equals 100. Values under 100 imply a favorable loss record, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.

    Nissan Frontier Insurance Claim Statistics
    Vehicle 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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Rates and other information

The rate information shown below outlines a range of coverage costs for Nissan Frontier models. Understanding how insurance policy rates are calculated is important to be able to make smart choices when selecting a policy.

Nissan Frontier Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $222 $448 $490 $30 $146 $1,336 $111
Frontier SE King Cab 2WD $260 $448 $490 $30 $146 $1,374 $115
Frontier SE Crew Cab 2WD $260 $544 $490 $30 $146 $1,470 $123
Frontier Pro-4X King Cab 2WD $298 $544 $490 $30 $146 $1,508 $126
Frontier LE King Cab 2WD $298 $544 $490 $30 $146 $1,508 $126
Frontier SE King Cab 4WD $298 $448 $392 $24 $118 $1,280 $107
Frontier Pro-4X Crew Cab 2WD $298 $642 $490 $30 $146 $1,606 $134
Frontier LE Crew Cab 2WD $298 $642 $490 $30 $146 $1,606 $134
Frontier SE Crew Cab 4WD $298 $544 $392 $24 $118 $1,376 $115
Frontier LE King Cab 4WD $336 $544 $392 $24 $118 $1,414 $118
Frontier Pro-4X King Cab 4WD $336 $544 $392 $24 $118 $1,414 $118
Frontier Pro-4X Crew Cab 4WD $336 $544 $392 $24 $118 $1,414 $118
Frontier LE Crew Cab 4WD $336 $544 $392 $24 $118 $1,414 $118
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in vehicle garaging location which can change rates substantially.

Analysis of deductible levels

A question often asked by Plano drivers is which deductible level should you buy. The premium rates below sum up the rate fluctuation between low and high physical damage coverage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Nissan Frontier insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $218 $408 $476 $28 $142 $1,297 $108
Frontier SE King Cab 2WD $256 $408 $476 $28 $142 $1,335 $111
Frontier SE Crew Cab 2WD $256 $496 $476 $28 $142 $1,423 $119
Frontier Pro-4X King Cab 2WD $294 $496 $476 $28 $142 $1,461 $122
Frontier LE King Cab 2WD $294 $496 $476 $28 $142 $1,461 $122
Frontier SE King Cab 4WD $294 $408 $382 $22 $114 $1,245 $104
Frontier Pro-4X Crew Cab 2WD $294 $584 $476 $28 $142 $1,549 $129
Frontier LE Crew Cab 2WD $294 $584 $476 $28 $142 $1,549 $129
Frontier SE Crew Cab 4WD $294 $496 $382 $22 $114 $1,333 $111
Frontier LE King Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Frontier Pro-4X King Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Frontier Pro-4X Crew Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Frontier LE Crew Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Get Your Own Custom Quote Go
Nissan Frontier insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $178 $328 $476 $28 $142 $1,152 $96
Frontier SE King Cab 2WD $208 $328 $476 $28 $142 $1,182 $99
Frontier SE Crew Cab 2WD $208 $400 $476 $28 $142 $1,254 $105
Frontier Pro-4X King Cab 2WD $240 $400 $476 $28 $142 $1,286 $107
Frontier LE King Cab 2WD $240 $400 $476 $28 $142 $1,286 $107
Frontier SE King Cab 4WD $240 $328 $382 $22 $114 $1,086 $91
Frontier Pro-4X Crew Cab 2WD $240 $472 $476 $28 $142 $1,358 $113
Frontier LE Crew Cab 2WD $240 $472 $476 $28 $142 $1,358 $113
Frontier SE Crew Cab 4WD $240 $400 $382 $22 $114 $1,158 $97
Frontier LE King Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Frontier Pro-4X King Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Frontier Pro-4X Crew Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Frontier LE Crew Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in Plano location which can change price quotes substantially.

Based on this data, using a $250 deductible will cost you about $14 more each month or $168 each year across all Nissan Frontier models than choosing the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 18 months between claim filings, you would save more money if you choose the higher deductible.

Car insurance discounts help lower rates for Nissan Frontier insurance in Plano

Some insurance providers don't always list all their discounts in a way that's easy to find, so the following list contains both the well known and the more hidden credits available to lower your premiums when you buy Plano car insurance online.Cheaper car insurance with discounts

  • Payment Method - By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Employee of Federal Government - Having worked for a branch of the government can save as much as 8% depending on your company.
  • Distant Student Discount - Youth drivers who are enrolled in a college that is more than 100 miles from Plano and won't have access to an insured vehicle can be insured at a reduced rate.
  • Discount for Home Ownership - Owning your own home or condo may earn you a small savings since home ownership shows financial diligence.
  • Anti-lock Brake Discount - Cars and trucks with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Anti-theft Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Discount for Low Mileage - Driving less may allow you to get lower prices on the low mileage vehicles.

Don't be shocked that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don't profit that way.

The illustration below illustrates the comparison of Nissan Frontier insurance prices with and without discounts applied. The prices are based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.

Companies who might offer some of the above discounts are:

Double check with every company to give you their best rates. Savings may not apply to policies in every state.

In the end, you can save money

Budget-conscious Nissan Frontier insurance can be purchased from both online companies and also from your neighborhood Plano agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not provide online quoting and usually these smaller companies only sell coverage through independent agents.

When searching for affordable Nissan Frontier insurance quotes, it's very important that you do not reduce needed coverages to save money. In too many instances, someone dropped collision coverage only to regret that it was a big error on their part. Your aim should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

To read more, link through to the articles below: