Cheapest Nissan Frontier Insurance in Jacksonville

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Discount Nissan Frontier insuranceTo save the most money, the best way to save money on Nissan Frontier insurance in Jacksonville is to start doing a yearly price comparison from different companies who provide auto insurance in Florida.

  1. Read and learn about individual coverages and the changes you can make to prevent expensive coverage. Many rating factors that increase rates such as at-fault accidents, speeding tickets, and a bad credit score can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover more information to keep prices down and get discounts that may be available to you.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from many different companies.
  3. Compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Jacksonville. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Give proper notification to your current agent or company of your decision to cancel the current policy. Submit the required down payment along with the signed application to the new insurer. As soon as you have the new policy, keep the new proof of insurance paperwork in an accessible location in your vehicle.

A good piece of advice is to use identical coverages on every price quote and and to analyze as many different insurance providers as possible. Doing this guarantees a level playing field and a complete price analysis.

Amazingly, a recent NerdWallet.com study showed that the vast majority of consumers have been with the same company for four years or more, and approximately 40% of consumers have never even compared quotes to find cheap rates. With the average premium in Florida being $2,158, drivers could cut their rates by 55% a year, but they won't spend time to save money by comparing rate quotes.

The companies in the list below are our best choices to provide quotes in Florida. If more than one company is shown, it's a good idea that you visit several of them in order to find the most competitive rates.

Get cheaper Nissan Frontier insurance in Jacksonville with discounts

Insurance is expensive, but there could be significant discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but some need to be inquired about before being credited.Cheaper insurance with discounts

  • Membership in Organizations - Being a member of a civic or occupational organization in Jacksonville is a good way to get lower rates when getting a Jacksonville car insurance quote.
  • Federal Employees - Active or former government employment could qualify for a slight premium decrease depending on your company.
  • Student in College - Any of your kids who are attending college and leave their car at home could get you a discount.
  • Low Mileage - Low mileage vehicles can qualify you for better premium rates on cars that stay parked.
  • ABS and Traction Control Discounts - Cars that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, you're out of luck. But all discounts will positively reduce the cost of coverage.

The chart below shows the comparison of Nissan Frontier yearly insurance costs with and without policy discounts. The data is based on a male driver, no claims, a clean driving record, Florida 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 safe-driver, homeowner, multi-car, multi-policy, marriage, and claim-free discounts applied.

A few of the larger companies and their possible discounts are shown below.

  • GEICO discounts include anti-lock brakes, emergency military deployment, seat belt use, driver training, and anti-theft.
  • Travelers policyholders can earn discounts including student away at school, multi-policy, good student, driver training, and multi-car.
  • Nationwide offers premium reductions for business or organization, good student, anti-theft, easy pay, defensive driving, and accident-free.
  • Farmers Insurance may offer discounts for teen driver, mature driver, switch companies, good student, bundle discounts, and distant student.
  • Esurance has savings for renters, Pac-12 alumni, paid-in-full, multi-car, multi-policy, homeowner, and defensive driver.
  • State Farm offers discounts for accident-free, multiple autos, good driver, passive restraint, good student, Steer Clear safe driver discount, and driver's education.
  • Progressive has discounts for multi-policy, continuous coverage, online quote discount, homeowner, multi-vehicle, good student, and online signing.
  • Mercury Insurance may include discounts for annual mileage, good student, type of vehicle, multi-car, and multi-policy.

Before you buy a policy, ask every company which discounts can lower your rates. Some credits might not apply in Jacksonville. To locate insurers that offer some of these discounts in Florida, click this link.

Premium rates and analysis

The information shown below outlines a range of rate quotes for Nissan Frontier models. Having a good understanding how policy rates are figured is important for drivers to make smart policy decisions.

Nissan Frontier Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $142 $318 $678 $40 $202 $1,380 $115
Frontier SE King Cab 2WD $166 $318 $678 $40 $202 $1,404 $117
Frontier SE Crew Cab 2WD $166 $386 $678 $40 $202 $1,472 $123
Frontier Pro-4X King Cab 2WD $192 $386 $678 $40 $202 $1,498 $125
Frontier LE King Cab 2WD $192 $386 $678 $40 $202 $1,498 $125
Frontier SE King Cab 4WD $192 $318 $542 $32 $162 $1,246 $104
Frontier Pro-4X Crew Cab 2WD $192 $454 $678 $40 $202 $1,566 $131
Frontier LE Crew Cab 2WD $192 $454 $678 $40 $202 $1,566 $131
Frontier SE Crew Cab 4WD $192 $386 $542 $32 $162 $1,314 $110
Frontier LE King Cab 4WD $216 $386 $542 $32 $162 $1,338 $112
Frontier Pro-4X King Cab 4WD $216 $386 $542 $32 $162 $1,338 $112
Frontier Pro-4X Crew Cab 4WD $216 $386 $542 $32 $162 $1,338 $112
Frontier LE Crew Cab 4WD $216 $386 $542 $32 $162 $1,338 $112
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can modify price quotes significantly.

Policy deductible comparison

When shopping for car insurance, a common question is how low should you set your deductibles. The comparison tables below summarize the premium difference of buying low and high policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Nissan Frontier insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $266 $532 $522 $30 $156 $1,531 $128
Frontier SE King Cab 2WD $312 $532 $522 $30 $156 $1,577 $131
Frontier SE Crew Cab 2WD $312 $648 $522 $30 $156 $1,693 $141
Frontier Pro-4X King Cab 2WD $358 $648 $522 $30 $156 $1,739 $145
Frontier LE King Cab 2WD $358 $648 $522 $30 $156 $1,739 $145
Frontier SE King Cab 4WD $358 $532 $418 $24 $124 $1,481 $123
Frontier Pro-4X Crew Cab 2WD $358 $764 $522 $30 $156 $1,855 $155
Frontier LE Crew Cab 2WD $358 $764 $522 $30 $156 $1,855 $155
Frontier SE Crew Cab 4WD $358 $648 $418 $24 $124 $1,597 $133
Frontier LE King Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Frontier Pro-4X King Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Frontier Pro-4X Crew Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Frontier LE Crew Cab 4WD $406 $648 $418 $24 $124 $1,645 $137
Get Your Own Custom Quote Go
Nissan Frontier insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $148 $280 $522 $30 $156 $1,136 $95
Frontier SE King Cab 2WD $174 $280 $522 $30 $156 $1,162 $97
Frontier SE Crew Cab 2WD $174 $342 $522 $30 $156 $1,224 $102
Frontier Pro-4X King Cab 2WD $200 $342 $522 $30 $156 $1,250 $104
Frontier LE King Cab 2WD $200 $342 $522 $30 $156 $1,250 $104
Frontier SE King Cab 4WD $200 $280 $418 $24 $124 $1,046 $87
Frontier Pro-4X Crew Cab 2WD $200 $402 $522 $30 $156 $1,310 $109
Frontier LE Crew Cab 2WD $200 $402 $522 $30 $156 $1,310 $109
Frontier SE Crew Cab 4WD $200 $342 $418 $24 $124 $1,108 $92
Frontier LE King Cab 4WD $224 $342 $418 $24 $124 $1,132 $94
Frontier Pro-4X King Cab 4WD $224 $342 $418 $24 $124 $1,132 $94
Frontier Pro-4X Crew Cab 4WD $224 $342 $418 $24 $124 $1,132 $94
Frontier LE Crew Cab 4WD $224 $342 $418 $24 $124 $1,132 $94
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can influence insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $41 more each month or $492 annually averaged for all Frontier models than choosing the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 22 months between claims, you would probably save some money if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $139
Average monthly premium for $1,000 deductibles (subtract): - $98
Monthly savings from raising deductible: $41
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $41
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One big caveat is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket at claim time. You need some money saved in the event you need to pay the deductible to have repairs made.

Yearly car insurance costs for men versus women

The example below visualizes the comparison of Nissan Frontier insurance rates for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The illustration below shows the difference between Nissan Frontier insurance prices with liability coverage only compared to full coverage. The information is based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no exact formula for excluding comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Nissan Frontier replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after you pay the deductible. If you are paying more than $300 annually for your policy with full coverage, then you might consider buying liability only.

There are some scenarios where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Smart Consumers Save Every Year

Many different elements are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are not quite as obvious such as your credit history or your financial responsibility. Smart consumers have a good feel for the rating factors that play a part in calculating auto insurance rates. If you have a feel for what impacts premium levels, this allows you to make good choices that can earn you lower auto insurance prices.

Occupation reflects on rates - Careers such as judges, architects, and dentists tend to have higher premiums than the average policyholder because of intense work requirements and lots of time spent at work. Other careers like scientists, historians and homemakers generally pay rates lower than average.

Cars with good safety ratings means better auto insurance rates - Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates.

Liability insurance is critical - Your policy's liability coverage is the coverage that protects you in the event that you are found liable for physical damage or personal injury to other. This coverage provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.

Better auto insurance rates with anti-theft devices - Choosing to buy a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Systems that thwart thieves like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Additional coverages that may be costing you - There are many optional add-on coverages that may not really be needed if you aren't diligent. Insurance for rental car reimbursement, better glass coverage, and extra life insurance coverage are probably not needed. They may seem like a good idea when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.

Credit score impact auto insurance premiums - An insured's credit rating will be a significant factor in determining your rates. Therefore, if your credit history can use some improvement, you could pay less to insure your Nissan Frontier if you clean up your credit. People that have high credit ratings tend to file fewer claims than drivers who have lower ratings.

Rates can drop if you have more than one policy - Most larger auto insurance companies afford better rates to clients that have more than one policy in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even with this discount applied, you still need to check prices from other companies to help guarantee you have the best rates.

Nissan Frontier historical loss data - Companies include the past claim history for a vehicle to calculate a rate that offsets possible losses. Models that tend to have higher claim frequency or loss amount will have higher rates for specific coverages. The table below shows the historical loss data for Nissan Frontier vehicles.

For each coverage category, the claim probability for all vehicles, as an average, equals 100. Values that are under 100 indicate better than average losses, while numbers above 100 indicate frequent claims or an increased likelihood of larger losses.

Nissan Frontier Insurance Claim Statistics
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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When to talk to an insurance agent

Some consumers would prefer to talk to an insurance agent and that is just fine! Experienced insurance agents are trained risk managers and will help you if you have claims. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still choose a local agent. Buying insurance from local agents is important particularly in Jacksonville.

Insurance agents in JacksonvilleFor easy comparison, once you complete this form (opens in new window), the quote information is instantly submitted to local insurance agents in Jacksonville who will give you bids for your coverage. It's much easier because you don't need to visit any agencies since price quotes are sent to the email address you provide. If you have a need to compare rates from one company in particular, don't hesitate to navigate to their website and fill out their quote form.

Finding the right company requires you to look at more than just a cheap quote. Any agent in Jacksonville should be forthright in answering these questions:

  • How does the company pay claims for a total loss?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are they in the agency full-time?
  • Can you choose the body shop in case repairs are needed?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

What is the best insurance coverage?

When choosing the best insurance coverage for your personal vehicles, there really isn't a cookie cutter policy. Everyone's situation is unique.Higher deductibles save money

Here are some questions about coverages that might point out if your situation could use an agent's help.

  • When does my teenage driver need to be added to my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need special coverage while pulling a rented trailer?
  • Do I have coverage for damage caused while driving under the influence?
  • Can my babysitter drive my car?
  • Should I buy more coverage than the required Florida minimum liability coverage?
  • Does medical payments coverage apply to all occupants?
  • Is other people's property covered if stolen from my vehicle?
  • Is my Nissan Frontier covered for flood damage?

If you don't know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

In Summary

In this article, we covered a lot of ways to find cheaper Nissan Frontier insurance in Jacksonville. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with some of the smallest insurance companies.

Low-cost Nissan Frontier insurance in Jacksonville can be purchased both online in addition to many Jacksonville insurance agents, so get free Jacksonville car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies don't offer the ability to get a quote online and many times these smaller companies only sell coverage through local independent agents.

When you buy Jacksonville car insurance online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at a price you can afford, but don't skip important coverages to save money.

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