Compare Nissan Frontier Insurance Rates in San Jose

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Insurance for Nissan FrontierIf you want to save money, the best way to get discount Nissan Frontier insurance is to regularly compare price quotes from companies in San Jose.

  1. Take a few minutes and learn about how insurance works and the modifications you can make to prevent high rates. Many policy risk factors that cause high rates like traffic citations and an imperfect credit score can be remedied by making minor changes to your lifestyle. Continue reading for additional tips to get affordable coverage and find discounts that you may qualify for.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can quote rates for a wide range of companies.
  3. Compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate, make sure there is no coverage gap between policies.

A good tip to remember is to use similar coverage information on each quote and and to analyze all possible companies. Doing this helps ensure a fair rate comparison and a thorough price selection.

Remarkably, a study showed that a large majority of insurance policyholders have remained with the same insurance company for a minimum of four years, and nearly half have never compared rates with other companies. With the average insurance premium being $1,387, San Jose drivers could save an average of as much as 35% each year, but they just don't want to compare rates and save money.

If you currently have a car insurance policy, you stand a good chance to be able to find the best rates using the tips covered below. Our goal in writing this article help you learn how to compare rates easily and some money-saving tips. But California vehicle owners need to learn the way insurance companies price online insurance and take advantage of how the system works.

Lower Your San Jose Insurance Prices

Smart consumers have a good feel for the rating factors that play a part in calculating the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with big savings.

  • Lower annual miles equals lower premium - Driving a lot of miles every year the higher the price you pay to insure it. Many insurance companies apply a rate based upon how much you drive. Vehicles that do not get driven very much can be on a lower rate level as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your insurance coverage properly reflects how each vehicle is driven, because it can save money. An improperly rated Frontier can cost quite a bit.
  • Only buy coverage you need - There are a ton of add-on coverages that can waste your money if you don't pay attention. Coverages like coverage for rental cars, towing coverage, and motor club memberships are some examples. They may sound like good ideas when you first buy your policy, but if you've never needed them in the past think about removing them and cutting costs.
  • Never let your coverage expire - Having a lapse in insurance coverage is a guaranteed way to increase your renewal premiums. Not only will you pay more, getting caught without coverage could result in a revoked license or a big fine.
  • Reserve insurance claims for larger damages - If you're an insured who likes to file claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in California generally give lower rates to insureds who only file infrequent claims. Your insurance policy is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
  • Multiple policies with one company can save - Many insurers give lower prices to clients who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare Nissan Frontier rates in San Jose to ensure the best deal.
  • Liability coverage is important - The liability section of your policy will afford coverage when you are determined to be liable for an accident. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Men drivers tend to cost more - Statistics demonstrate women tend to be less risk to insure than men. It does not mean men are worse drivers. Women and men cause at-fault accidents in similar percentages, but the male of the species get into accidents with more damage. Not only that, but men also get ticketed for serious violations such as reckless driving. Young men ages 16 to 20 are the most expensive to insure so it costs more to insure them.

    The chart below illustrates the difference between Nissan Frontier insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are applied to the premium.

  • Nissan Frontier insurance loss data - Auto insurance companies study historical loss data to help calculate a profitable premium rate. Vehicles that the data shows to have higher loss trends will have higher rates.

    The table below illustrates the insurance loss data for Nissan Frontier vehicles. For each policy coverage, the loss probability for all vehicles combined as an average is equal to 100. Numbers shown that are under 100 suggest a positive loss record, while numbers shown that are more than 100 point to more claims or an increased chance of larger losses than average.

    Nissan Frontier Insurance Loss Statistics
    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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Nissan Frontier insurance coverage information

The rate information shown below highlights a range of insurance premium costs for Nissan Frontier models. Having insight into how policy rates are formulated is important for drivers to make decisions when shopping your coverage around.

Nissan Frontier Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $200 $374 $564 $34 $168 $1,340 $112
Frontier SE King Cab 2WD $234 $374 $564 $34 $168 $1,374 $115
Frontier SE Crew Cab 2WD $234 $454 $564 $34 $168 $1,454 $121
Frontier Pro-4X King Cab 2WD $270 $454 $564 $34 $168 $1,490 $124
Frontier LE King Cab 2WD $270 $454 $564 $34 $168 $1,490 $124
Frontier SE King Cab 4WD $270 $374 $450 $26 $134 $1,254 $105
Frontier Pro-4X Crew Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
Frontier LE Crew Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
Frontier SE Crew Cab 4WD $270 $454 $450 $26 $134 $1,334 $111
Frontier LE King Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Frontier Pro-4X King Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Frontier Pro-4X Crew Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Frontier LE Crew Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific San Jose garaging location which can revise premiums noticeably.

Car insurance deductibles

A question often asked by San Jose drivers is how high should the deductibles for physical damage be. The data tables below may help to illustrate the rate differences when you select higher and lower physical damage deductibles. The first data set uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Nissan Frontier insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $254 $472 $552 $32 $166 $1,501 $125
Frontier SE King Cab 2WD $298 $472 $552 $32 $166 $1,545 $129
Frontier SE Crew Cab 2WD $298 $576 $552 $32 $166 $1,649 $137
Frontier Pro-4X King Cab 2WD $342 $576 $552 $32 $166 $1,693 $141
Frontier LE King Cab 2WD $342 $576 $552 $32 $166 $1,693 $141
Frontier SE King Cab 4WD $342 $472 $442 $26 $132 $1,439 $120
Frontier Pro-4X Crew Cab 2WD $342 $678 $552 $32 $166 $1,795 $150
Frontier LE Crew Cab 2WD $342 $678 $552 $32 $166 $1,795 $150
Frontier SE Crew Cab 4WD $342 $576 $442 $26 $132 $1,543 $129
Frontier LE King Cab 4WD $386 $576 $442 $26 $132 $1,587 $132
Frontier Pro-4X King Cab 4WD $386 $576 $442 $26 $132 $1,587 $132
Frontier Pro-4X Crew Cab 4WD $386 $576 $442 $26 $132 $1,587 $132
Frontier LE Crew Cab 4WD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go
Nissan Frontier insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $156 $298 $552 $32 $166 $1,204 $100
Frontier SE King Cab 2WD $184 $298 $552 $32 $166 $1,232 $103
Frontier SE Crew Cab 2WD $184 $362 $552 $32 $166 $1,296 $108
Frontier Pro-4X King Cab 2WD $210 $362 $552 $32 $166 $1,322 $110
Frontier LE King Cab 2WD $210 $362 $552 $32 $166 $1,322 $110
Frontier SE King Cab 4WD $210 $298 $442 $26 $132 $1,108 $92
Frontier Pro-4X Crew Cab 2WD $210 $426 $552 $32 $166 $1,386 $116
Frontier LE Crew Cab 2WD $210 $426 $552 $32 $166 $1,386 $116
Frontier SE Crew Cab 4WD $210 $362 $442 $26 $132 $1,172 $98
Frontier LE King Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Frontier Pro-4X King Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Frontier Pro-4X Crew Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Frontier LE Crew Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific location which can lower or raise premium rates greatly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $31 more each month or $372 a year averaged for all Frontier models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 24 months between claim filings, you would save more money if you choose a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $135
Average monthly premium for $1,000 deductibles (subtract): - $104
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

Difference between liability only and full coverage rates

The chart below shows the comparison of Nissan Frontier auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or claims, $250 deductibles, drivers are single, and no policy discounts are applied.

Should you pay for full coverage?

There isn't a steadfast formula to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's assume your Nissan Frontier replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If it's costing you more than $800 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some circumstances where buying only liability insurance is not recommended. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Get lower-cost rates on Nissan Frontier insurance in San Jose with these discounts

Not too many consumers would say car insurance is affordable, but there could be significant discounts that could help you make your next renewal payment. Certain reductions will be credited when you quote, but once in a while a discount must be manually applied prior to receiving the credit.Discount car insurance

  • Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.
  • Student Discounts - Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Senior Citizen Discount - If you qualify as a senior citizen, you can get lower premium rates.
  • Save with a New Car - Adding a new car to your policy can get you a discount since new vehicles have better safety ratings.
  • Multiple Vehicles - Having primary and secondary vehicles on a single policy can get a discount for every vehicle.
  • Bundle and Save - If you can combine your homeowners and auto policy and place coverage with the same company they may give you a discount of up to 20% off your total Frontier insurance premium.
  • Safe Drivers - Accident-free drivers can save up to 40% or more on their San Jose car insurance quote compared to rates paid by drivers with frequent claims.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your San Jose car insurance quote.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

The chart below illustrates the difference between Nissan Frontier insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no claims or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

To see insurers with the best Nissan Frontier insurance discounts in San Jose in California, click this link.

Shop smart and save

Affordable Nissan Frontier insurance in San Jose is definitely available online in addition to local insurance agencies, so you should compare both to have the best rate selection. Some companies may not have rate quotes online and these regional carriers only sell coverage through independent insurance agents.

Drivers switch companies for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, poor customer service or questionable increases in premium. It doesn't matter what your reason, finding a new company can be pretty painless.

While you're price shopping online, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Much more information about insurance in California is located on the following sites: