Trying to find better insurance prices for a Nissan Frontier in California can turn out to be an all-consuming task, but you can use our auto insurance buying tips to save time.
There is a better way to compare auto insurance rates and you need to know the quickest way to get price quotes for your Nissan and obtain the best price possible from Chula Vista insurance agents and online providers.
It’s a good idea to get comparison quotes yearly because rates are rarely the same from one policy term to another. Even if you think you had the lowest premium rates on Nissan Frontier insurance in Chula Vista on your last policy you can probably find a better price now. Forget all the misinformation about auto insurance because you’re about to find out the right way to find better coverage on Nissan Frontier insurance in Chula Vista at a better price.
Obtaining price quotes for more affordable protection in Chula Vista is simple if you know the tricks. If you have coverage now or are looking for a new policy, you can use this information to find the best rates and still get good coverage. Vehicle owners just have to use the most effective way to shop from many companies at once.
Buy Chula Vista Nissan Frontier insurance online
The companies in the list below are ready to provide comparison quotes in California. In order to find cheaper car insurance in California, we suggest you click on several of them in order to find the most competitive rates.
Detailed insurance information
The rate information shown below highlights different insurance costs for Nissan Frontier models. Being able to understand how policy premiums are formulated helps drivers make informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$248||$544||$668||$40||$200||$1,700||$142|
|Frontier SE King Cab 2WD||$292||$544||$668||$40||$200||$1,744||$145|
|Frontier SE Crew Cab 2WD||$292||$662||$668||$40||$200||$1,862||$155|
|Frontier Pro-4X King Cab 2WD||$334||$662||$668||$40||$200||$1,904||$159|
|Frontier LE King Cab 2WD||$334||$662||$668||$40||$200||$1,904||$159|
|Frontier SE King Cab 4WD||$334||$544||$534||$32||$160||$1,604||$134|
|Frontier Pro-4X Crew Cab 2WD||$334||$780||$668||$40||$200||$2,022||$169|
|Frontier LE Crew Cab 2WD||$334||$780||$668||$40||$200||$2,022||$169|
|Frontier SE Crew Cab 4WD||$334||$662||$534||$32||$160||$1,722||$144|
|Frontier LE King Cab 4WD||$378||$662||$534||$32||$160||$1,766||$147|
|Frontier Pro-4X King Cab 4WD||$378||$662||$534||$32||$160||$1,766||$147|
|Frontier Pro-4X Crew Cab 4WD||$378||$662||$534||$32||$160||$1,766||$147|
|Frontier LE Crew Cab 4WD||$378||$662||$534||$32||$160||$1,766||$147|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in garaging location in Chula Vista which can lower or raise premium rates considerably.
Careless drivers pay higher rates
The illustration below demonstrates how traffic citations and at-fault claims can affect Nissan Frontier car insurance costs for each age group. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Rate comparison of full coverage and liability-only
The example below visualizes the comparison of Nissan Frontier auto insurance rates when comparing full coverage to state minimum liability only. The prices are based on no claims or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no definitive formula for phasing out full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Nissan Frontier claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying more than $300 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Get Lower-cost Auto Insurance with These Tips
Multiple criteria are part of the equation when you get a price on insurance. Most are fairly basic like your driving record, although others are not quite as obvious like where you live or your vehicle rating. An important part of buying insurance is that you know some of the things that come into play when calculating your premiums. When consumers understand what determines base rates, this allows you to make educated decisions that can help you get lower premium levels.
The items below are a few of the things auto insurance companies consider when setting your rate level.
Single drivers take more risk – Your spouse may save some money on auto insurance. It usually means you are more stable financially it has been statistically shown that married drivers get in fewer accidents.
Male prices may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that females are better at driving than males. Males and females cause at-fault accidents at a similar rate, but the men have accidents that have higher claims. Not only that, but men also get ticketed for serious violations like DUI and reckless driving. Young males have the highest risk to insure and therefore pay the highest rates.
The information below shows the difference between Nissan Frontier premium costs for male and female drivers. The prices are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single status, and no policy discounts are applied.
Allowing your policy to lapse raises premiums – Going without insurance is a sure-fire way to pay more for auto insurance. Not only will you pay higher rates, failure to provide proof of insurance can result in fines or a revoked license.
Bad credit will cost you – Having a good credit rating is likely to be a major factor in determining what you pay. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit history leaves room for improvement, you could save money insuring your Nissan Frontier by improving your rating.
Incidental coverages that aren’t used – There are quite a few extra bells and whistles that you can get tricked into buying but may not be useful. Add-on coverages like replacement cost coverage, death and dismemberment, and additional equipment coverage are some examples. They may seem like a good idea initially, but if you don’t need them remove them and pocket the money.
Liability limits are a factor – The liability coverage on your policy will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage which can cost a lot. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
Older drivers pay less – More experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and tend to be get fewer driving tickets. Drivers with little experience tend to get distracted easily when at the wheel of a vehicle therefore auto insurance rates are much higher.
The following chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Insurance loss probability for a Nissan Frontier – Companies factor in historical loss data to help calculate premium prices. Vehicles that the statistics show to have higher loss trends will cost more for specific coverages.
The table below outlines the compiled insurance loss statistics for Nissan Frontier vehicles. For each coverage type, the claim amount for all vehicles as a whole is equal to 100. Numbers shown that are under 100 suggest losses that are better than average, while values over 100 indicate a higher chance of having a claim or statistically larger losses.
|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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Why you need car insurance
Despite the high cost of buying insurance for a Nissan Frontier in Chula Vista, buying car insurance serves several important purposes.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Nissan Frontier, almost all lenders will force you to have physical damage coverage to protect their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Nissan at a much higher rate and require you to fork over the higher price.
- Insurance protects your vehicle and your assets. Insurance will also pay for medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage.
The benefits of having insurance more than offset the price you pay, particularly for liability claims. As of last year, the average driver in California is overpaying over $700 annually so compare quotes from several companies at every policy renewal to ensure rates are competitive.