Anyone knows that car insurance companies want to keep your business as long as possible. Drivers who compare rates annually are likely to switch companies because there is a great chance of finding lower prices. A recent auto insurance study revealed that people who compared rates regularly saved approximately $3,450 over four years compared to drivers who never shopped around.
If finding discount rates on auto insurance is your objective, then having a grasp of how to choose a company and compare insurance rates can help you be more efficient.
It takes a little time, but the best way to save on car insurance rates is to regularly compare price quotes from different companies who provide auto insurance in Las Vegas. You can compare rates by following these guidelines.
- Step 1: Try to understand car insurance and the measures you can control to keep rates in check. Many risk factors that result in higher rates like accidents, traffic tickets, and poor credit history can be rectified by making minor changes to your lifestyle. Read the full article for the details to help prevent expensive coverage and get discounts that may be overlooked.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of insurance providers. View prices
- Step 3: Compare the new quotes to your existing rates to determine if switching companies saves money. If you find better rates, make sure there is no lapse in coverage.
- Step 4: Provide notification to your current agent or company of your decision to cancel your current policy. Submit a completed application and payment to the new insurer. Once the application is submitted, keep your new certificate of insurance in your vehicle.
The key thing to remember is that you’ll want to make sure you compare similar coverage information on each quote request and and to get prices from as many companies as possible. Doing this helps ensure the most accurate price comparison and and a good selection of different prices.
If you are already insured or just want to save money, use these cost-cutting techniques to find better prices without reducing protection. Locating the best-priced coverage in Las Vegas is not that difficult. Drivers just need to use the quickest way to quote multiple rates instantly.
Best companies for Nissan Frontier insurance
The companies shown below are our best choices to provide price comparisons in Nevada. In order to find cheap auto insurance in Las Vegas, NV, we recommend you get prices from several of them in order to find the most competitive rates.
Rates and information analytics
The rate information displayed next covers detailed analysis of insurance prices for Nissan Frontier models. Having insight into how policy rates are established can help guide drivers when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $106 | $204 | $392 | $24 | $118 | $844 | $70 |
| Frontier SE King Cab 2WD | $124 | $204 | $392 | $24 | $118 | $862 | $72 |
| Frontier SE Crew Cab 2WD | $124 | $248 | $392 | $24 | $118 | $906 | $76 |
| Frontier Pro-4X King Cab 2WD | $142 | $248 | $392 | $24 | $118 | $924 | $77 |
| Frontier LE King Cab 2WD | $142 | $248 | $392 | $24 | $118 | $924 | $77 |
| Frontier SE King Cab 4WD | $142 | $204 | $314 | $18 | $94 | $772 | $64 |
| Frontier Pro-4X Crew Cab 2WD | $142 | $292 | $392 | $24 | $118 | $968 | $81 |
| Frontier LE Crew Cab 2WD | $142 | $292 | $392 | $24 | $118 | $968 | $81 |
| Frontier SE Crew Cab 4WD | $142 | $248 | $314 | $18 | $94 | $816 | $68 |
| Frontier LE King Cab 4WD | $162 | $248 | $314 | $18 | $94 | $836 | $70 |
| Frontier Pro-4X King Cab 4WD | $162 | $248 | $314 | $18 | $94 | $836 | $70 |
| Frontier Pro-4X Crew Cab 4WD | $162 | $248 | $314 | $18 | $94 | $836 | $70 |
| Frontier LE Crew Cab 4WD | $162 | $248 | $314 | $18 | $94 | $836 | $70 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in zip code location which can impact coverage prices considerably.
Where to set your deductibles
One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The following tables show the rate difference of buying low and high coverage deductibles. The first data table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $196 | $394 | $386 | $22 | $116 | $1,139 | $95 |
| Frontier SE King Cab 2WD | $232 | $394 | $386 | $22 | $116 | $1,175 | $98 |
| Frontier SE Crew Cab 2WD | $232 | $478 | $386 | $22 | $116 | $1,259 | $105 |
| Frontier Pro-4X King Cab 2WD | $266 | $478 | $386 | $22 | $116 | $1,293 | $108 |
| Frontier LE King Cab 2WD | $266 | $478 | $386 | $22 | $116 | $1,293 | $108 |
| Frontier SE King Cab 4WD | $266 | $394 | $308 | $18 | $92 | $1,103 | $92 |
| Frontier Pro-4X Crew Cab 2WD | $266 | $564 | $386 | $22 | $116 | $1,379 | $115 |
| Frontier LE Crew Cab 2WD | $266 | $564 | $386 | $22 | $116 | $1,379 | $115 |
| Frontier SE Crew Cab 4WD | $266 | $478 | $308 | $18 | $92 | $1,187 | $99 |
| Frontier LE King Cab 4WD | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Frontier Pro-4X King Cab 4WD | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Frontier Pro-4X Crew Cab 4WD | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Frontier LE Crew Cab 4WD | $300 | $478 | $308 | $18 | $92 | $1,221 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $144 | $266 | $386 | $22 | $116 | $934 | $78 |
| Frontier SE King Cab 2WD | $168 | $266 | $386 | $22 | $116 | $958 | $80 |
| Frontier SE Crew Cab 2WD | $168 | $324 | $386 | $22 | $116 | $1,016 | $85 |
| Frontier Pro-4X King Cab 2WD | $194 | $324 | $386 | $22 | $116 | $1,042 | $87 |
| Frontier LE King Cab 2WD | $194 | $324 | $386 | $22 | $116 | $1,042 | $87 |
| Frontier SE King Cab 4WD | $194 | $266 | $308 | $18 | $92 | $878 | $73 |
| Frontier Pro-4X Crew Cab 2WD | $194 | $382 | $386 | $22 | $116 | $1,100 | $92 |
| Frontier LE Crew Cab 2WD | $194 | $382 | $386 | $22 | $116 | $1,100 | $92 |
| Frontier SE Crew Cab 4WD | $194 | $324 | $308 | $18 | $92 | $936 | $78 |
| Frontier LE King Cab 4WD | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
| Frontier Pro-4X King Cab 4WD | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
| Frontier Pro-4X Crew Cab 4WD | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
| Frontier LE Crew Cab 4WD | $218 | $324 | $308 | $18 | $92 | $960 | $80 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in your specific Las Vegas location which can change rates significantly.
Based on this data, using a $100 deductible will cost you approximately $21 more each month or $252 every year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 19 months between claims, you would most likely save money if you choose a higher deductible. The numbers below show a better example of how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
Tickets and at-fault accidents raise rates
The example below demonstrates how traffic citations and fender-benders can increase Nissan Frontier annual premium costs for different categories of driver ages. Data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Rate comparison of men versus women in Las Vegas
The chart below illustrates the difference between Nissan Frontier car insurance costs for male and female drivers. The costs are based on a clean driving record, no claims, full coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Full coverage or liability only
The diagram below illustrates the difference between Nissan Frontier annual premium costs when comparing full coverage to liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.
When to eliminate full coverage
There is no clear-cut formula of when to exclude full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Nissan Frontier claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year for your policy with full coverage, then you might consider buying liability only.
There are some scenarios where removing full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Choices You Make Can Impact Your Insurance Costs
Consumers need to have an understanding of the different types of things that are used to determine your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that can help you get better car insurance rates.
Demanding employer may mean higher rates – Careers such as real estate brokers, executives, and medical professionals tend to pay higher average rates in part from high stress and extremely grueling work hours. On the flip side, careers such as farmers, athletes and homemakers have lower than average premiums.
Teenagers vs. mature drivers – Mature drivers are more cautious drivers, tend to file fewer claims, and are safer drivers. Youthful drivers tend to get distracted easily when driving so they pay higher car insurance rates.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Save mileage and save money – The more miles you rack up on your Nissan annually the more it will cost to insure it. Almost all companies price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use get more affordable rates than cars that get driven a lot. An incorrectly rated Frontier is just wasting money. Double check that your car insurance policy is rated on the correct usage for each vehicle, because improper ratings can cost you money.
Liability insurance is important – Liability insurance is the protection when you are responsible for an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
Insurance losses for a Nissan Frontier – Insurance companies factor in insurance loss information to help calculate a profitable premium price. Models that historically have high amounts or severity of claims will cost more to insure. The next table illustrates the compiled insurance loss statistics for Nissan Frontier vehicles.
For each coverage type, the claim amount for all vehicles, regardless of make or model, is a value of 100. Numbers under 100 suggest a better than average loss history, while values that are above 100 show a trend for more claims or statistically larger claims.
| Specific Nissan 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
Get cheaper rates on Nissan Frontier insurance in Las Vegas with these discounts
The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be asked about prior to getting the savings.
- Full Payment Discount – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Telematics Devices – Drivers that enable driving data submission to track vehicle usage by installing a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
- Paperless Signup – Some companies provide a small discount get Las Vegas car insurance on the internet.
- Accident Forgiveness – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase if you have no claims prior to being involved in the accident.
- Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way.
The diagram below illustrates the difference between Nissan Frontier premium costs with and without discounts applied to the policy rates. The information is based on a female driver, no violations or accidents, Nevada state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, multi-policy, marriage, and safe-driver discounts applied.
A partial list of companies who may offer most of the discounts above include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Before purchasing a policy, check with all companies you are considering which discounts they offer. Some discounts might not be offered in Las Vegas. To find companies that provide some of the discounts listed above in Nevada, click here to view.
Are insurance agencies used anymore?
Many drivers just prefer to get professional advice from a licensed agent and that is just fine! Most agents are very good at helping people manage risk and help submit paperwork. One of the best bonuses of comparing rate quotes online is that drivers can save money and get lower premium rates and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is transmitted to local insurance agents that give free quotes for your auto insurance coverage. You never need to find an agent on your own due to the fact that quote results will go to the email address you provide. If you need to get a rate quote from one company in particular, you can always visit that company’s website and submit a quote form there.
Picking the best insurer requires you to look at more than just the premium amount. Get answers to these questions too.
- Is insurance their full-time profession?
- Do they feel the quoted coverages are adequate?
- Does the company allow you to choose your own collision repair facility?
- Does the agency support the community they serve?
- If they are an independent agency in Las Vegas, which companies do they recommend?
Below are Las Vegas insurance companies that can give you rate quotes for Nissan Frontier insurance in Las Vegas.
- Farmers Insurance: Kenny Redelsperger
4045 Spencer St #114 – Las Vegas, NV 89119 – (702) 735-0926 – View Map - Family Trust Insurance, LLC
6420 W Spring Mountain Rd #20 – Las Vegas, NV 89146 – (702) 212-3838 – View Map - Mario Giannini – State Farm Insurance Agent
9484 W Lake Mead Blvd #7 – Las Vegas, NV 89134 – (702) 982-3300 – View Map - Allstate Insurance: Yukin Kwan
4001 S Decatur Blvd Ste 4 – Las Vegas, NV 89103 – (702) 530-8822 – View Map
If you feel you receive satisfactory answers to your questions as well as a affordable price, you may have just found an insurance company that can be relied on to adequately provide auto insurance. But keep in mind you are entitled to cancel coverage for any reason so don’t assume that you are obligated to the auto insurance policy for any length of time.
Shop around and save
Throughout this article, we presented some good ideas how you can reduce Nissan Frontier insurance auto insurance rates online in Las Vegas. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from a small local company.
Cost effective Nissan Frontier insurance can be sourced online and from local insurance agents, so you need to shop Las Vegas car insurance with both in order to have the best price selection to choose from. Some car insurance companies do not provide online quoting and these regional insurance providers work with local independent agencies.
As you quote Las Vegas car insurance, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best possible price.
Additional learning opportunities
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for a Chevrolet Equinox in Las Vegas? (FAQ)
- Who Has the Cheapest Las Vegas Auto Insurance Rates for Drivers with a DUI? (FAQ)
- What Auto Insurance is Cheapest for a Chevrolet Silverado in Las Vegas? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Las Vegas? (FAQ)
- Who Has Affordable Las Vegas Auto Insurance Rates for Low Income Drivers? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Safety Belts FAQ (iihs.org)