Affordable Nissan Frontier Insurance in Sacramento

Nissan Frontier insurance cost image courtesy of QuoteInspector.com

Would you like to stop wasting money and find the cheapest Nissan Frontier insurance in Sacramento? Buying insurance online may appear to be difficult at first if you haven't ever used online insurance quotes. Don't let that bother you because online price shopping is actually quite simple.

Amazingly, a recent NerdWallet.com study showed that the vast majority of California insurance customers have purchased from the same company for over three years, and almost half have never shopped around. With the average premium in America being $1,847, drivers can cut their rates by $860 a year by just comparing quotes, but they don't believe the large savings they would see if they changed companies.

Our goal is to familiarize you with the best way to quote coverages and also save some money in the process If you currently have insurance, you will be able to buy cheaper insurance using the techniques covered below. But California consumers do need to know how companies charge you for coverage because rates are impacted by many factors.

When price shopping your coverage, comparing more quotes helps you find the best offered rates. Some insurance companies are not set up to provide rate quotes online, so it's important to compare prices from them as well.

The car insurance companies shown below have been selected to offer free quotes in California. If your goal is to find cheap auto insurance in Sacramento, we suggest you click on several of them to get the best price comparison.

Nissan Frontier insurance charts and tables

The rate table displayed below covers a range of insurance policy prices for Nissan Frontier models. Having a good grasp of how premiums are formulated can be valuable when making decisions when shopping around.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in your specific Sacramento location which can lower or raise insurance rates greatly.

Raise deductibles and save

A question often asked by Sacramento drivers is where to set your physical damage deductibles. The tables below approximate the differences in price when you choose different policy deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can revise coverage rates greatly.

Based on these figures, using a $250 deductible costs an average of $31 more each month or $372 annually than selecting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 24 months between claims, you would probably come out ahead by selecting a higher deductible.

The chart below shows how choosing a deductible and can affect Nissan Frontier premium costs for different age groups of insureds. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied.

Insurance rate increases from tickets or accidents

The illustration below illustrates how speeding tickets and at-fault claims can impact Nissan Frontier auto insurance rates for each age group. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Why you need to buy car insurance

Despite the potentially high cost of Nissan Frontier insurance, insurance is required by state law in California and it also provides benefits you may not be aware of.

• Most states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to license the vehicle. 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 Frontier, it's most likely the lender will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank may insure your Nissan for a much higher rate and force you to pay for the expensive policy.
• Car insurance preserves both your Nissan and your assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is currently overpaying as much as $825 a year so compare rates every year to make sure the price is not too high.

Informed Consumers Can Slash Their Insurance Premiums

Consumers need to have an understanding of some of the factors that come into play when calculating car insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that could help you find big savings.

The items below are some of the major factors car insurance companies consider when setting your premiums.

• Drivers with excellent credit save - Your credit rating can be a huge factor in determining premium rates. So if your credit history is not that good, you could pay less to insure your Nissan Frontier if you clean up your credit. Drivers who have high credit scores tend to be better risks to insure than drivers who have bad credit.
• Bundle policies with the same company - Lots of insurance companies will give lower prices to clients that have more than one policy such as combining an auto and homeowners policy. The discount can be as much as ten percent or more Even though this discount sounds good, it's still a good idea to compare Nissan Frontier rates in Sacramento to verify if the discount is saving money. You may still be able to save even more even if you insure with multiple companies

• Rates also based on gender - Statistics show females are less aggressive when driving. Now that doesn't mean men are WORSE drivers than women. Both sexes get in accidents at about the same rate, but guys get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations such as reckless driving.

  The diagram below visualizes the comparison of Nissan Frontier auto insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

• High premiums for youthful drivers - Youthful drivers in California are statistically proven to be less responsible when behind the wheel therefore car insurance rates are much higher. Adding a teen driver to your car insurance policy can really hurt. Older insureds tend to be more responsible, cause fewer claims and accidents, and are generally more financially stable.

  The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
• Bump up comp and collision deductibles to lower rates - Physical damage deductibles are the amount of money the insured will be required to pay in the event of a claim. Protection for physical damage, aka comp and collision, protects your car from damage. Examples of covered claims could be a windshield broken by a bird, hail damage, or theft of your vehicle. The more money the insured is willing to pay, the bigger discount you will receive.

• Nissan Frontier claim probability - Auto insurance companies use historical loss data when setting premium costs. Vehicles that have higher number or severity of losses will cost more for coverage. The table below illustrates the insurance loss data used by companies for Nissan Frontier vehicles.

  For each coverage type, the claim amount for all vehicles combined as an average is set at 100. Values that are 100 or less suggest a positive loss record, while numbers shown that are more than 100 show a trend for more claims or larger claims.

  Insurance Loss Ratings for Nissan Frontier Vehicles

  Vehicle Make and 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
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on cheap coverage

When searching for low cost Sacramento car insurance quotes, it's a bad idea to skimp on coverage in order to save money. There have been many cases where someone dropped full coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price, but do not skimp to save money.

There are still a few companies who do not offer price quotes online and most of the time these smaller providers only sell through independent agents. Budget-friendly insurance in Sacramento can be found on the web in addition to local insurance agencies, so compare prices from both to have the best rate selection.

We just showed you a lot of techniques to reduce Nissan Frontier insurance premium rates online in Sacramento. It's most important to understand that the more times you quote, the higher the chance of saving money. Drivers may even discover the best premium rates are with some of the lesser-known companies.

How to find affordable quotes for Nissan Frontier insurance in Sacramento

Really, the only way to find lower priced auto insurance rates in Sacramento is to compare prices regularly from insurance carriers in California.

1. Take a few minutes and learn about car insurance and the steps you can take to lower rates. Many risk factors that result in higher rates like at-fault accidents and a low credit score can be rectified by being financially responsible and driving safely.
2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while agents who are independent can provide prices from multiple companies.
3. Compare the new quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and buy the policy, make sure there is no lapse in coverage.
4. Provide proper notification to your current company of your intent to cancel your current auto insurance policy. Submit payment and a completed application for the new policy. Immediately store the certificate verifying coverage with the vehicle registration.

One thing to point out is to use the same liability limits and deductibles on each quote and and to analyze as many companies as possible. This enables a level playing field and a complete price analysis.

Even more information is located by following these links:

• Safe Vehicles for Teens (iihs.org)
• What Auto Insurance is Cheapest for Drivers with Bad Credit in Sacramento? (FAQ)
• What Auto Insurance is Cheapest for 18 Year Olds in Sacramento? (FAQ)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Safety Features for Your New Car (State Farm)
• What to do at the Scene of an Accident (Insurance Information Institute)