It’s hard to fathom, but the vast majority of drivers kept buying from the same company for more than four years, and just under half have never shopped around. Arizona drivers can save approximately $700 each year by just shopping around, but they feel it’s too difficult to compare rates.
The recommended way to find more affordable Nissan Frontier insurance in Mesa is to regularly compare quotes from providers who sell insurance in Arizona. Drivers can shop around by following these steps.
- Step 1: Take a little time to learn about how auto insurance works and the things you can control to drop your rates. Many risk factors that increase rates such as at-fault accidents, speeding tickets, and an unacceptable credit history can be controlled by making small lifestyle or driving habit changes. Read the full article for additional tips to get cheaper rates and find possible discounts that are available.
- Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can provide prices from multiple insurance companies.
- Step 3: Compare the new rate quotes to your current policy to determine if switching companies saves money. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of this process is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote and and to get rate quotes from as many carriers as you can. Doing this ensures a level playing field and the most accurate and complete price analysis.
If you are already insured or are looking for a new policy, you can use this information to reduce premiums without reducing protection. Locating the best rates in Mesa is much easier if you know where to start. Shoppers just have to learn the fastest way to compare company rates online.
Insurance coverage analysis
The table shown below showcases estimates of insurance coverage prices for Nissan Frontier models. Having knowledge of how premiums are calculated helps drivers make decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$92||$198||$424||$26||$126||$866||$72|
|Frontier SE King Cab 2WD||$108||$198||$424||$26||$126||$882||$74|
|Frontier SE Crew Cab 2WD||$108||$240||$424||$26||$126||$924||$77|
|Frontier Pro-4X King Cab 2WD||$124||$240||$424||$26||$126||$940||$78|
|Frontier LE King Cab 2WD||$124||$240||$424||$26||$126||$940||$78|
|Frontier SE King Cab 4WD||$124||$198||$338||$20||$102||$782||$65|
|Frontier Pro-4X Crew Cab 2WD||$124||$284||$424||$26||$126||$984||$82|
|Frontier LE Crew Cab 2WD||$124||$284||$424||$26||$126||$984||$82|
|Frontier SE Crew Cab 4WD||$124||$240||$338||$20||$102||$824||$69|
|Frontier LE King Cab 4WD||$138||$240||$338||$20||$102||$838||$70|
|Frontier Pro-4X King Cab 4WD||$138||$240||$338||$20||$102||$838||$70|
|Frontier Pro-4X Crew Cab 4WD||$138||$240||$338||$20||$102||$838||$70|
|Frontier LE Crew Cab 4WD||$138||$240||$338||$20||$102||$838||$70|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in specific Mesa garaging location which can change prices substantially.
Responsible drivers pay cheaper Mesa car insurance rates
The information below illustrates how violations and at-fault fender-benders increase Nissan Frontier insurance premiums for different age categories. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The chart below visualizes the comparison of Nissan Frontier premium costs when comparing full coverage to liability only. The rate quotes are based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no set rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s say your Nissan Frontier claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after paying the physical damage deductible. If premium cost is more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Get lower-cost rates with these seven discounts
Insurance is neither fun to buy or cheap, but you may qualify for discounts that you may not even know about. Some discounts apply automatically at quote time, but a few must be specifically requested before you get the savings.
- Discounts for New Vehicles – Insuring a new Frontier can cost up to 25% less since new vehicles are generally safer.
- Sign Early and Save – A few companies allow discounts for switching policies before your current coverage expires. You can save around 10% with this discount.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
- Air Bag Discount – Vehicles with factory air bags could see savings of more than 20%.
- Seat Belts Save – Requiring all passengers to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
- Drive Less and Save – Fewer annual miles on your Nissan may allow you to get cheaper rates.
- More Vehicles More Savings – Drivers who insure several vehicles on one policy can reduce rates for all insured vehicles.
One thing to note about discounts is that most of the big mark downs will not be given to the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount should help reduce the amount you have to pay.
The example below illustrates the comparison of Nissan Frontier yearly insurance costs with and without some available policy discounts. Data assumes a female driver, no claims or violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, multi-car, and claim-free discounts applied.
To locate insurance companies that offer discounts in Arizona, click this link.
Auto insurance coverages
Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.
Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Frontier.
Since a lot of drivers have only the minimum liability required by law (15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liability limits.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, funeral costs, nursing services, pain medications and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Liability insurance – This protects you from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 15/30/10 which stand for a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability coverage pays for things such as structural damage, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but you should consider buying higher limits.
The illustration below shows why minimum state limits may not be enough.
Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, fire damage, a tree branch falling on your vehicle and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision – Collision coverage pays for damage to your Frontier resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Frontier to save money on collision insurance.
Compare but don’t skimp
When getting Mesa auto insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.
You just learned many ideas to get a better price on Nissan Frontier insurance in Mesa. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from a small local company. They may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.
Additional auto insurance information is located on the following sites:
- Teen Driver Licensing Information (iihs.org)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Mesa? (FAQ)
- How Much is Mesa Auto Insurance for a Hyundai Sonata? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota Highlander in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Rates for First-time Drivers? (FAQ)
- Older Drivers FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Airbag FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)