Compare 2004 Nissan Frontier Car Insurance Quotes

Overpriced Nissan Frontier insurance can empty your savings account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

You have so many insurance companies to pick from, and although it’s nice to have a choice, it makes it harder to get the best deal.

The quickest method we recommend to compare car insurance company rates is to know the trick most insurance companies participate in a system to give rate comparisons. All you need to do is give them some information such as what you do for a living, if you went to college, whether your vehicle is owned or leased, and if you are currently licensed. Your insurance information gets transmitted to many highly-rated insurers and you will receive price estimates instantly to find the best rate.

When might I need the advice of an agent?

When buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • Does insurance cover damages from a DUI accident?
  • How can I get my company to pay me more for my totalled car?
  • Do I need replacement cost coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if hit by an uninsured driver?
  • Do I need roadside assistance coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Liability coverage

This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, loss of income and court costs. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, doctor visits, chiropractic care and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2004 Nissan Frontier.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Frontier caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, rolling your car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.