Affordable Nissan Frontier Insurance in Los Angeles

How long has it been since you sat down and looked for more competitive Nissan Frontier insurance in Los Angeles? Trying to find better insurance prices for a new or used Nissan Frontier in California could be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare insurance rates and you need to know the best way to get price quotes for a Nissan and locate the cheapest rates from Los Angeles insurance agents and online providers.

Getting a cheaper price on insurance is surprisingly easy. You just need to take time comparing rates online with multiple companies.

The car insurance companies shown below are our best choices to provide free quotes in California. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Detailed insurance information

The data table shown below showcases estimates of insurance policy prices for Nissan Frontier models. Learning a little about how insurance policy premiums are calculated can be useful when making smart choices when buying a policy.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in specific Los Angeles garaging location which can alter premium rates noticeably.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below approximate the premium difference between high and low deductibles. The first rate table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can affect prices considerably.

Based on these figures, using a $250 deductible costs approximately $17 more each month or $204 each year averaged for all Frontier models than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at least 15 months between claims, you would probably be better off going with the higher deductible. Here’s a better example of how you can do this calculation yourself.

One important issue to know is that a higher deductible means you pay more out-of-pocket when you file a claim. You need to have access to more funds in order to pay the deductible.

The illustration below shows how choosing a deductible and can change Nissan Frontier insurance costs for each age group. The premiums are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Comparison of insurance rates by gender

The illustration below shows the comparison of Nissan Frontier auto insurance rates for male and female drivers. The costs are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

How much more does full coverage cost?

The diagram below shows the difference between Nissan Frontier car insurance costs with and without full coverage. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no set rule to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Nissan Frontier settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after paying your deductible. If it’s costing you more than $500 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some scenarios where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Companies offer money-saving discounts on Nissan Frontier insurance in Los Angeles

Auto insurance companies do not advertise all available discounts very well, so we break down some of the more common as well as some of the hidden insurance savings.

• Accident Free – Insureds with no claims or accidents pay much less when compared with policyholders that have many claims.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
• Discount for Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Professional Memberships – Having an affiliation with a qualifying organization is a simple method to lower premiums on your bill.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount should definitely cut the amount you have to pay.

The example below illustrates the comparison of Nissan Frontier auto insurance rates with and without policy discounts. The costs are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, homeowner, marriage, and claim-free discounts applied.

If you would like to view companies who offer online Nissan Frontier insurance quotes in California, click this link.

Car insurance is not optional in California

Even though it can be expensive, maintaining insurance is required in California but it also protects you in many ways.

First, almost all states have minimum liability requirements which means you are required to buy specific limits of liability protection in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Nissan Frontier, most lenders will require that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Nissan at a much higher premium rate and force you to pay the higher premium.

Third, insurance protects both your Nissan Frontier and your personal assets. It will also reimburse you for many types of medical costs incurred in an accident. Liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of having car insurance definitely exceed the price paid, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $850 per year so we recommend shopping around at every renewal to save money.

Comparing prices from local Los Angeles insurance agents

Some consumers still prefer to talk to an insurance agent and that can be a great decision Professional insurance agents can point out coverage gaps and help submit paperwork. A nice benefit of comparing rate quotes online is the fact that you can find the best rates and also buy local. Supporting local agents is important particularly in Los Angeles.

After completing this short form, the quote information is emailed to local insurance agents in Los Angeles who will give you bids for your business. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent to your email. If for some reason you want to quote rates from a specific insurance company, just search and find their rate quote page and fill out their quote form.

Not all auto insurance agents are the same

When finding a good insurance agency, you need to know there are two different agency structures from which to choose. Agencies in Los Angeles can be classified as either exclusive or independent (non-exclusive). Both types of agents can write policy coverage, but it’s worth learning how they are different since it may influence the kind of agent you use.

Independent Insurance Agencies or Brokers

Agents that elect to be independent are not employed by one company and that enables them to quote your coverage through lots of different companies and possibly get better coverage at lower prices. If you want to switch companies, your agent can just switch to a different company and you don’t have to find a new agent. When comparing insurance rates, we recommend you get several quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with lesser-known insurance companies who may have lower rates.

Listed below is a short list of independent insurance agencies in Los Angeles that may be able to give you competitive price quotes.

• Sean Paul Insurance Agency
  3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 – View Map
• Nationwide Insurance: Caiquo Insurance Agency
  5757 W Century Blvd #700 – Los Angeles, CA 90045 – (310) 348-9936 – View Map
• Fuller Insurance
  621 S Westmoreland Ave – Los Angeles, CA 90005 – (213) 384-2062 – View Map

View more agents

Exclusive Agents

Exclusive insurance agents can usually just insure with one company like AAA, Allstate, and State Farm. They are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on the products they sell which can be an advantage. Consumers sometimes choose to use an exclusive agent mostly because of the brand name rather than low rates.

Listed below are exclusive insurance agencies in Los Angeles willing to provide comparison quotes.

• Young Pyo – State Farm Insurance Agent
  3700 Wilshire Blvd #567 – Los Angeles, CA 90010 – (213) 365-1600 – View Map
• Charles Garrett Jr – State Farm Insurance Agent
  4929 Wilshire Blvd #745 – Los Angeles, CA 90010 – (323) 692-0090 – View Map
• Rodney Brown – State Farm Insurance Agent
  7154 Melrose Ave – Los Angeles, CA 90046 – (323) 931-1466 – View Map

View more agents

Picking an car insurance agent should depend on more than just the quoted price. Any good agent in Los Angeles should know the answers to these questions.

• Is vehicle mileage a factor when determining depreciation for repairs?
• How many companies do they write for?
• Is auto insurance their primary focus in Los Angeles?
• Is the agent CPCU or CIC certified?
• Is the agent properly licensed in California?
• How many years of experience in personal auto insurance do they have?

Once you have received reasonable responses to your questions and locked in a price quote, it’s possible that you found an insurance agency that is professional and can service your policy. Keep in mind you can always terminate coverage at any point so don’t feel you are locked into any particular company for the full term.