Compare Nissan Frontier Insurance Rates in San Jose

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.

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

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: