Nissan Frontier insurance image courtesy of QuoteInspector.com
The preferred way to get more affordable car insurance rates in Newark is to start comparing prices regularly from insurers who provide auto insurance in New Jersey.
- Spend some time learning about car insurance and the measures you can take to keep rates down. Many rating criteria that are responsible for high rates like accidents, careless driving, and poor credit history can be controlled by being financially responsible and driving safely. This article provides tips to help prevent expensive coverage and find overlooked discounts.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agencies can provide prices from many different companies. View companies
- Compare the new rate quotes to your existing policy to determine if you can save on Frontier insurance. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to remember is to use similar deductibles and liability limits on each quote and and to analyze every insurance company. Doing this helps ensure a fair rate comparison and the best price selection.
It's well known that car insurance companies don't want you to compare rates. Insureds who compare other prices are very likely to buy a new policy because there is a great chance of finding a more affordable policy. Remarkably, a study showed that drivers who compared rates once a year saved as much as $865 annually compared to those who never shopped around for better prices.
If finding discount rates on Nissan Frontier insurance is the reason you're reading this, then knowing how to shop for insurance rates can help simplify the process.
How much is Nissan Frontier insurance in Newark, New Jersey?
To get low cost Newark auto insurance quotes, there a variety of ways to compare quotes from lots of New Jersey car insurance companies. The easiest way to find the lowest rates is to use the internet to compare rates.
Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best rates.
The companies shown below are ready to provide comparison quotes in New Jersey. If multiple companies are listed, it's a good idea that you visit as many as you can to get the most competitive price.
Take policy discounts and save on Nissan Frontier insurance in Newark
Some providers do not list the complete list of policy discounts very well, so we break down a few of the more common and also the more inconspicuous savings tricks you should be using when you buy Newark auto insurance online. If you do not check that you are getting every discount you qualify for, you're paying more than you need to.
- Seat Belts Save more than Lives - Drivers who require all occupants to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Driver Education Discount - Require your teen driver to participate in a local driver's education class in school.
- Waiver for an Accident - This one is not really a discount per se, but certain companies will let one accident slide before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
- Anti-lock Brake System - Cars equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- 55 and Retired - Older drivers are able to get better car insurance rates.
- Life Insurance - Not all car insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
- Newark Homeowners Pay Less - Simply owning a home may earn you a small savings since owning and maintaining a home demonstrates responsibility.
- Safety Course Discount - Taking a class that teaches defensive driver techniques can save you 5% or more depending on where you live.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think it's possible to get free car insurance, you aren't that lucky.
The illustration below illustrates the comparison of Nissan Frontier insurance costs with and without discounts applied. The premiums assume a male driver, no accidents, no driving violations, New Jersey 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-car, claim-free, homeowner, multi-policy, and safe-driver discounts applied.
To locate companies that have a full spectrum of discounts in New Jersey, click this link.
Rates and information analytics
The coverage table shown next covers different insurance premium costs for Nissan Frontier models. Understanding how policy rates are figured can be valuable when making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$306||$632||$812||$48||$242||$2,040||$170|
|Frontier SE King Cab 2WD||$360||$632||$812||$48||$242||$2,094||$175|
|Frontier SE Crew Cab 2WD||$360||$770||$812||$48||$242||$2,232||$186|
|Frontier Pro-4X King Cab 2WD||$412||$770||$812||$48||$242||$2,284||$190|
|Frontier LE King Cab 2WD||$412||$770||$812||$48||$242||$2,284||$190|
|Frontier SE King Cab 4WD||$412||$632||$648||$38||$194||$1,924||$160|
|Frontier Pro-4X Crew Cab 2WD||$412||$906||$812||$48||$242||$2,420||$202|
|Frontier LE Crew Cab 2WD||$412||$906||$812||$48||$242||$2,420||$202|
|Frontier SE Crew Cab 4WD||$412||$770||$648||$38||$194||$2,062||$172|
|Frontier LE King Cab 4WD||$466||$770||$648||$38||$194||$2,116||$176|
|Frontier Pro-4X King Cab 4WD||$466||$770||$648||$38||$194||$2,116||$176|
|Frontier Pro-4X Crew Cab 4WD||$466||$770||$648||$38||$194||$2,116||$176|
|Frontier LE Crew Cab 4WD||$466||$770||$648||$38||$194||$2,116||$176|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in zip code location which can impact prices noticeably.
The example below demonstrates how deductibles and can raise or lower Nissan Frontier premium costs for different age groups. Data assumes a married male driver, full coverage, and no other discounts are factored in.
Accidents and violations increase rates
The chart below illustrates how traffic citations and at-fault collisions can raise Nissan Frontier auto insurance costs for each different age category. The premiums assume a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Price comparison of only insuring for liability
The information below illustrates the difference between Nissan Frontier insurance rates with and without full coverage. The costs are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are factored in.
When to eliminate full coverage
There is no written rule to eliminate physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let's say your Nissan Frontier claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after you pay the deductible. If you are paying in excess of $500 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.
There are some scenarios where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage.
Six factors that affect insurance costs
Lots of factors are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but other criteria are less apparent like your continuous coverage or your financial responsibility. A large part of saving on car insurance is knowing some of the elements that help determine the price you pay for car insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in cheaper rates.
Does insurance coverage cost more for males? - Statistics have proven that females tend to be a little less risky than males. However, this does not mean women are better drivers. Females and males have fender benders in similar percentages, but men tend to have more serious accidents. Not only that, but men also get more serious tickets like driving under the influence (DUI).
The diagram below shows the comparison of Nissan Frontier insurance costs for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Having a spouse brings a discount - Being married helps lower the price on your policy. Marriage generally demonstrates drivers are less irresponsible and insurance companies reward insureds because married couples file fewer claims.
How much liability coverage do you need? - The liability coverage on your policy is the coverage that protects you if a jury decides you are liable for damages caused by your negligence. This coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Safer vehicles are cheaper to insure - Safer cars can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means your insurance company pays less and thus lower rates.
Deter car thieves - Driving a car that has an advanced theft prevention system can earn a premium discount. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
Drive less and save - Driving more miles in a year the more you'll pay to insure your vehicle. Many insurance companies calculate rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance coverage is showing how each vehicle is driven. Having the wrong rating on your Frontier can cost quite a bit.
Loss statistics for a Nissan Frontier - Auto insurance companies include the past claim trends for vehicles to determine a price that will be profitable for them. Models that the statistics show to have higher frequency or amount of claims will have higher premium rates.
The table shown below demonstrates the actual insurance loss data for Nissan Frontier vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make, model or trim level, equals 100. Values below 100 indicate a favorable loss history, while percentages above 100 indicate higher probability of having a loss or a tendency for claims to be larger.
|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|
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years