How to Save on Nissan Frontier Insurance in Jersey City

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Nissan Frontier insurance
Nissan Frontier insurance image courtesy of QuoteInspector.com

It takes a few minutes, but the best way to get affordable Nissan Frontier insurance is to start comparing prices yearly from providers that insure vehicles in Jersey City. This can be done by following these steps.

  • First, it will benefit you to learn about how companies set rates and the changes you can make to prevent high rates. Many factors that cause high rates such as accidents, traffic tickets, and poor credit history can be controlled by being financially responsible and driving safely. Continue reading for instructions to help keep prices low and find more discounts that you may not know about.
  • Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple sources.
  • Third, compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
  • Fourth, notify your current company to cancel your current auto insurance policy and submit a completed application and payment to the new company. Once coverage is bound, store the proof of insurance paperwork with the vehicle registration.

The key aspect of shopping around is that you'll want to make sure you compare the same amount of coverage on each price quote and and to analyze as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and the best price selection.

Insurance for Nissan FrontierRemarkably, a study showed that a large majority of drivers have remained with the same auto insurance company for at least four years, and almost half have never compared rates from other carriers. Many consumers in New Jersey could pocket 40% a year just by getting comparison quotes, but they think it's difficult to compare rates.

Affordable auto insurance in Jersey City, NJ

The companies shown below have been selected to offer free rate quotes in New Jersey. To locate the best auto insurance in New Jersey, it's a good idea that you visit two to three different companies in order to find the lowest rates.

Nissan Frontier insurance statistics and information

The premium table shown next outlines different insurance prices for Nissan Frontier models. Having knowledge of how insurance premiums are established can be valuable when making decisions when shopping around.

Nissan Frontier Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $298 $602 $612 $36 $184 $1,732 $144
Frontier SE King Cab 2WD $350 $602 $612 $36 $184 $1,784 $149
Frontier SE Crew Cab 2WD $350 $732 $612 $36 $184 $1,914 $160
Frontier Pro-4X King Cab 2WD $402 $732 $612 $36 $184 $1,966 $164
Frontier LE King Cab 2WD $402 $732 $612 $36 $184 $1,966 $164
Frontier SE King Cab 4WD $402 $602 $490 $30 $146 $1,670 $139
Frontier Pro-4X Crew Cab 2WD $402 $862 $612 $36 $184 $2,096 $175
Frontier LE Crew Cab 2WD $402 $862 $612 $36 $184 $2,096 $175
Frontier SE Crew Cab 4WD $402 $732 $490 $30 $146 $1,800 $150
Frontier LE King Cab 4WD $452 $732 $490 $30 $146 $1,850 $154
Frontier Pro-4X King Cab 4WD $452 $732 $490 $30 $146 $1,850 $154
Frontier Pro-4X Crew Cab 4WD $452 $732 $490 $30 $146 $1,850 $154
Frontier LE Crew Cab 4WD $452 $732 $490 $30 $146 $1,850 $154
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle location which can change price quotes substantially.

Choosing deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The figures shown below show the rate fluctuation between high and low physical damage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.

Nissan Frontier insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $308 $614 $600 $36 $180 $1,763 $147
Frontier SE King Cab 2WD $360 $614 $600 $36 $180 $1,815 $151
Frontier SE Crew Cab 2WD $360 $746 $600 $36 $180 $1,947 $162
Frontier Pro-4X King Cab 2WD $414 $746 $600 $36 $180 $2,001 $167
Frontier LE King Cab 2WD $414 $746 $600 $36 $180 $2,001 $167
Frontier SE King Cab 4WD $414 $614 $480 $28 $144 $1,705 $142
Frontier Pro-4X Crew Cab 2WD $414 $880 $600 $36 $180 $2,135 $178
Frontier LE Crew Cab 2WD $414 $880 $600 $36 $180 $2,135 $178
Frontier SE Crew Cab 4WD $414 $746 $480 $28 $144 $1,837 $153
Frontier LE King Cab 4WD $466 $746 $480 $28 $144 $1,889 $157
Frontier Pro-4X King Cab 4WD $466 $746 $480 $28 $144 $1,889 $157
Frontier Pro-4X Crew Cab 4WD $466 $746 $480 $28 $144 $1,889 $157
Frontier LE Crew Cab 4WD $466 $746 $480 $28 $144 $1,889 $157
Get Your Own Custom Quote Go
Nissan Frontier insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $170 $324 $600 $36 $180 $1,310 $109
Frontier SE King Cab 2WD $200 $324 $600 $36 $180 $1,340 $112
Frontier SE Crew Cab 2WD $200 $394 $600 $36 $180 $1,410 $118
Frontier Pro-4X King Cab 2WD $230 $394 $600 $36 $180 $1,440 $120
Frontier LE King Cab 2WD $230 $394 $600 $36 $180 $1,440 $120
Frontier SE King Cab 4WD $230 $324 $480 $28 $144 $1,206 $101
Frontier Pro-4X Crew Cab 2WD $230 $464 $600 $36 $180 $1,510 $126
Frontier LE Crew Cab 2WD $230 $464 $600 $36 $180 $1,510 $126
Frontier SE Crew Cab 4WD $230 $394 $480 $28 $144 $1,276 $106
Frontier LE King Cab 4WD $258 $394 $480 $28 $144 $1,304 $109
Frontier Pro-4X King Cab 4WD $258 $394 $480 $28 $144 $1,304 $109
Frontier Pro-4X Crew Cab 4WD $258 $394 $480 $28 $144 $1,304 $109
Frontier LE Crew Cab 4WD $258 $394 $480 $28 $144 $1,304 $109
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in garaging location in Jersey City which can affect premium rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $46 more each month or $552 annually across all Nissan Frontier models than buying the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claims, you would probably save some money if you decide on a higher deductible.

The example below highlights how deductible choice and can increase or decrease Nissan Frontier insurance costs for each different age group. The premiums are based on a married female driver, full coverage, and no discounts are applied to the premium.

Why You Might Pay Higher Rates in Jersey City

It's important that you understand the factors that help calculate the rates you pay for auto insurance. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may result in cheaper rates. Many factors are used in the calculation when quoting car insurance. Some factors are common sense such as your driving record, but some are more transparent like where you live or how financially stable you are.

Allowing your coverage to lapse raises prices - Allowing your auto insurance policy to lapse can be a quick way to bump up your auto insurance costs. In addition to paying higher premiums, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the New Jersey motor vehicle department.

Use one insurance company and save - Most major companies afford a discount to clients who buy several policies from them in the form of a multi-policy discount. Even with this discount, drivers will still want to compare Nissan Frontier rates in Jersey City to confirm you are receiving the best rates possible. You may still be able to find lower rates by splitting coverages up.

Driving citations drive up premiums - Just one ticket can increase the cost of insurance to the point where it's not affordable. Attentive drivers get better rates as compared to careless drivers. People who have multiple tickets like reckless driving, hit and run or driving under the influence may be required to maintain a SR-22 with the DMV in their state in order to prevent their license from being revoked.

The example below illustrates how speeding tickets and fender-benders influence Nissan Frontier insurance rates for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Urban areas may pay more - Being located in areas with lower population can save you money if you are looking for the lowest rates. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. People who live in big cities have to deal with much more traffic and more severe claims. The longer drive time means a statistically higher chance of an accident.

Five star crash test rating saves money - Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and cheaper rates on your policy. If your Nissan Frontier is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Are you male or female? - The statistics show women tend to be less risk to insure than men. This data doesn't prove that men are worse drivers. They both tend to get into accidents in similar percentages, but males have costlier accidents. They also receive more costly citations like DUI and reckless driving.

The chart below visualizes the comparison of Nissan Frontier premium costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $100 deductibles, single status, and no discounts are factored in.

Auto insurance rates and your job - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as fire fighters, business owners, and emergency personnel generally pay higher premium rates in part from high stress and long work hours. On the flip side, occupations like farmers, engineers and retirees get better rates.

Use credit responsibly and save - Having a bad credit history will be a significant factor in determining what you pay. Drivers with high credit scores tend to file fewer claims than those with lower ratings. So if your credit rating can use some improvement, you may save money insuring your Nissan Frontier by repairing your credit.

Insurance loss probability for a Nissan Frontier - Auto insurance companies use past loss statistics for each vehicle as a tool for profitable underwriting. Vehicles that statistically have increased claim numbers or amounts will cost more for specific coverages.

The next table illustrates the insurance loss data for Nissan Frontier vehicles. For each policy coverage type, the loss probability for all vehicles as a whole equals 100. Percentage values below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 indicate more frequent losses or larger claims.

Auto Insurance Loss Data for Nissan Frontier Models
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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Get cheaper rates by receiving discounts

Car insurance companies don't list every discount available very clearly, so we break down a few of the more well known as well as some of the hidden credits that you can use to lower your rates.Cheaper insurance with discounts

  • Drivers Ed for Students - Teen drivers should enroll and complete driver's education if offered at their school.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems could see savings of more than 20%.
  • Good Grades Discount - Being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Renewal Discounts - A few larger companies allow discounts for signing up prior to your current Frontier insurance policy expiring. You can save around 10% with this discount.
  • New Car Discount - Putting insurance coverage on a new Frontier can get you a discount because newer vehicles keep occupants safer.
  • Active Service Discounts - Being on active deployment in the military may qualify for rate reductions.
  • Discount for Low Mileage - Driving less can earn lower prices on the low mileage vehicles.

A quick disclaimer, most credits do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears you could get a free insurance policy, it just doesn't work that way. Any qualifying discounts will positively reduce your policy premiums.

The diagram below shows the difference between Nissan Frontier premium costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, marriage, and multi-car discounts applied.

To see a list of providers with the best Nissan Frontier insurance discounts in Jersey City in Jersey City, click here to view.

Auto insurance quotes from local Jersey City insurance agencies

A small number of people prefer to buy from a licensed agent and doing that can be a smart decision The best thing about getting online price quotes is that you can obtain cheaper rates and still have a local agent.

Insurance agents in Jersey CityTo make it easy to find an agent, after completing this quick form, the coverage information is emailed to companies in Jersey City that can give you free Jersey City car insurance quotes for your insurance coverage. You never need to find an agent on your own due to the fact that quote results will go immediately to your email address. You can find the lowest rates AND an agent nearby. If you need to get a comparison quote from one company in particular, you would need to find their quoting web page to submit a rate quote request.

Picking an insurance company should depend on more than just a cheap price quote. The questions below may impact your decision as well.

  • Is the agent CPCU or CIC certified?
  • Does the agent recommend any additional coverage?
  • Is the agency involved in supporting local community causes?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Does the company allow you to choose your own collision repair facility?
  • Does the agency have a good rating with the Better Business Bureau?

Listed below is a short list of auto insurance companies in Jersey City that can give you rate quotes for Nissan Frontier insurance in Jersey City.

More Jersey City agents

After you get satisfactory answers to any questions you have as well as offering an affordable quote, chances are good that you have found a company that will service your policy. It's important to know that you can always cancel a policy whenever you want so never assume that you're stuck with any particular company indefinitely.

Don't assume everyone needs the same auto insurance coverage

When buying proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Every insured's situation is different.Higher deductibles save money

These are some specific questions can help discover whether or not you might need professional guidance.

  • Who does medical payments coverage extend to?
  • Will my rates increase for filing one claim?
  • What is PIP insurance?
  • Does liability extend to a camper or trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why is insurance for a teen driver so high in Jersey City?
  • What can I do if my company denied a claim?
  • Can good grades get a discount?
  • When can my company non-renew my policy?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Affordable coverage is out there

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and learned later they didn't purchase enough coverage. Your goal is to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

Insureds change insurance companies for a number of reasons such as policy non-renewal, high prices, questionable increases in premium and even poor customer service. It doesn't matter why you want to switch choosing a new company is not as hard as you think.

The cheapest Nissan Frontier insurance in Jersey City can be purchased from both online companies and from local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not offer online price quotes and usually these smaller companies sell through local independent agencies.

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