Insurance for Nissan FrontierHow long has it been since you compared the cheapest Nissan Frontier insurance in Evansville? I doubt anyone gets a kick out of paying for car insurance, particularly when they could get a better deal.

Remarkably, a study showed that about 70% of customers kept buying from the same company for at least four years, and almost 40% of drivers have never quoted car insurance rates at all. Indiana consumers could save themselves nearly $697 a year by just comparing rate quotes, but they don't know the rate savings if they switch to a new company. There are many insurance companies to insure vehicles with, and although it's a good thing to have multiple companies, more choices can make it harder to adequately compare rates for Nissan Frontier insurance in Evansville.

It's smart to shop coverage around as often as possible because car insurance prices are variable and change quite frequently. If you had the best quotes on Nissan Frontier insurance in Evansville a few years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because we're going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.

Pricing the cheapest car insurance in Evansville is not as hard as you may think. If you are insured now or are just looking to switch companies, take advantage of these tips to reduce the price you pay without reducing protection. Smart shoppers only need to know the quickest way to get comparison quotes online from multiple companies.

Affordable companies for Nissan Frontier insurance in Indiana

The companies shown below provide free quotes in Indiana. If multiple companies are listed, it's highly recommended you visit several of them to get the best price comparison.

Nissan Frontier Insurance Costs in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $164 $330 $362 $22 $108 $986 $82
Frontier SE King Cab 2WD $118 $202 $330 $20 $98 $768 $64
Frontier SE Crew Cab 2WD $162 $358 $396 $24 $118 $1,058 $88
Frontier Pro-4X King Cab 2WD $202 $294 $460 $28 $138 $1,122 $94
Frontier LE King Cab 2WD $208 $414 $456 $28 $136 $1,242 $104
Frontier SE King Cab 4WD $132 $218 $340 $20 $102 $812 $68
Frontier Pro-4X Crew Cab 2WD $172 $340 $358 $22 $108 $1,000 $83
Frontier LE Crew Cab 2WD $242 $514 $350 $20 $106 $1,232 $103
Frontier SE Crew Cab 4WD $152 $288 $294 $18 $88 $840 $70
Frontier LE King Cab 4WD $210 $376 $318 $18 $94 $1,016 $85
Frontier Pro-4X King Cab 4WD $212 $370 $270 $16 $80 $948 $79
Frontier Pro-4X Crew Cab 4WD $146 $226 $286 $16 $86 $760 $63
Frontier LE Crew Cab 4WD $190 $310 $270 $16 $80 $866 $72
Get Your Own Custom Quote Go

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify prices substantially.

Car insurance rates by age and gender

The example below illustrates the difference between Nissan Frontier yearly insurance costs for male and female drivers. The prices are based on no claims or driving citations, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Car insurance deductibles

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The figures shown below may help you to understand the rate differences between high and low deductibles. The first table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Nissan Frontier insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $162 $300 $350 $20 $106 $963 $80
Frontier SE King Cab 2WD $188 $300 $350 $20 $106 $989 $82
Frontier SE Crew Cab 2WD $188 $366 $350 $20 $106 $1,055 $88
Frontier Pro-4X King Cab 2WD $216 $366 $350 $20 $106 $1,083 $90
Frontier LE King Cab 2WD $216 $366 $350 $20 $106 $1,083 $90
Frontier SE King Cab 4WD $216 $300 $280 $16 $84 $921 $77
Frontier Pro-4X Crew Cab 2WD $216 $430 $350 $20 $106 $1,147 $96
Frontier LE Crew Cab 2WD $216 $430 $350 $20 $106 $1,147 $96
Frontier SE Crew Cab 4WD $216 $366 $280 $16 $84 $987 $82
Frontier LE King Cab 4WD $244 $366 $280 $16 $84 $1,015 $85
Frontier Pro-4X King Cab 4WD $244 $366 $280 $16 $84 $1,015 $85
Frontier Pro-4X Crew Cab 4WD $244 $366 $280 $16 $84 $1,015 $85
Frontier LE Crew Cab 4WD $244 $366 $280 $16 $84 $1,015 $85
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Nissan Frontier insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $130 $242 $350 $20 $106 $848 $71
Frontier SE King Cab 2WD $154 $242 $350 $20 $106 $872 $73
Frontier SE Crew Cab 2WD $154 $294 $350 $20 $106 $924 $77
Frontier Pro-4X King Cab 2WD $176 $294 $350 $20 $106 $946 $79
Frontier LE King Cab 2WD $176 $294 $350 $20 $106 $946 $79
Frontier SE King Cab 4WD $176 $242 $280 $16 $84 $798 $67
Frontier Pro-4X Crew Cab 2WD $176 $348 $350 $20 $106 $1,000 $83
Frontier LE Crew Cab 2WD $176 $348 $350 $20 $106 $1,000 $83
Frontier SE Crew Cab 4WD $176 $294 $280 $16 $84 $850 $71
Frontier LE King Cab 4WD $200 $294 $280 $16 $84 $874 $73
Frontier Pro-4X King Cab 4WD $200 $294 $280 $16 $84 $874 $73
Frontier Pro-4X Crew Cab 4WD $200 $294 $280 $16 $84 $874 $73
Frontier LE Crew Cab 4WD $200 $294 $280 $16 $84 $874 $73
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can revise rates significantly.

We can estimate from the data above that using a $250 deductible would cost the average driver about $11 more each month or $132 for a full year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 23 months between claim filings, you would save money if you choose a higher deductible. Here is an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One big caveat is that increasing deductibles to save money means you will have to pay more of your own money at claim time. It will be required that you have enough money put aside in order to pay more to get your vehicle repaired.

Companies offer lots of discounts on Nissan Frontier insurance in Evansville

Car insurance can cost a lot, but you may be missing some discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but some discounts are required to be manually applied in order for you to get them.Cheaper auto insurance with discounts

We need to note that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

To choose insurers with discount auto insurance rates in Indiana, follow this link.

Why Smart Consumers Pay Less for Nissan Frontier Insurance

It's important that you understand some of the elements that are used to determine your car insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that could help you find much lower annual insurance costs. Many different elements are part of the equation when you quote your car insurance policy. Some are obvious such as your driving record, although others are more transparent like your continuous coverage or your financial responsibility.

Save money by eliminating add-on coverages - There are a ton of additional coverages that sound like a good idea at the time if you don't pay attention. Add-on coverages like roadside assistance, better glass coverage, and Farm Bureau memberships could be just wasting money. You may think they are a good idea when buying your policy, but if you have no use for them eliminate them to save money.

A good credit rating can save money - Having a good credit score will be a significant factor in determining what you pay for car insurance. Consumers who have very high credit ratings tend to be less risk to insure than drivers who have poor credit. So if your credit rating could use some work, you may save money insuring your Nissan Frontier by improving your credit score.

Low coverage deductibles mean high prices - Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your Nissan. Some coverage claims are a broken windshield, damage caused by hail, and damage from a fallen tree branch. The deductibles you choose are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense the insured is willing to pay, the better rate you will receive.

Urban residents pay more - Living in less populated areas can save you money when insuring your vehicles. Drivers in populated areas have to deal with much more traffic and much longer commute distances. Lower population means less chance of accidents and lower theft and vandalism rates.

Discounts for married couples - Being married may earn you lower rates compared to being single. Having a spouse means you're more stable financially it has been statistically shown that married drivers get in fewer accidents.

File insurance claims and pay more - Companies in Indiana award the lowest premiums to people who are claim-free. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Your insurance policy is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Insurance losses for a Nissan Frontier - Insurance companies analyze the history of losses to help determine prices. Models that statistically have higher losses will be charged more to insure.

The next table shows the historical loss data for Nissan Frontier vehicles. For each policy coverage, the loss probability for all vehicles compiled together is a value of 100. Percentage values below 100 suggest losses that are better than average, while percentages above 100 indicate a higher chance of having a claim or tendency to have larger claims.

Nissan Frontier Insurance Claim Statistics

Make and 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

Car insurance agents near you

Many people still like to get professional advice from a licensed agent and doing that can be a smart decision Good insurance agents are trained to spot inefficiencies and will help you if you have claims. One of the benefits of getting free rate quotes online is the fact that drivers can get the best rates and still choose a local agent. And providing support for local insurance agents is important especially in Evansville.

Find insurance agent in EvansvilleTo make it easy to find an agent, after completing this form (opens in new window), your insurance data is transmitted to local insurance agents who can give free rate quotes to get your business. It's much easier because you don't need to even leave your home because prices are sent to your email. If for some reason you want to get a comparison quote from one company in particular, don't hesitate to go to their quote page and complete a quote there.

What type of Evansville auto insurance agent is right for you?

If you're trying to find a reliable agent, you should know the different types of agencies and how they differ in how they quote coverages. Agents in Evansville are categorized either independent or exclusive depending on the company they work for. Both do a good job, but it's important to know the difference in the companies they write for because it can influence your selection of an agent.

Independent Agents (or Brokers)

These type of agents do not write with just one company and that allows them to write policies through lots of different companies and possibly get better coverage at lower prices. If prices rise, your policy is moved internally and you don't have to find a new agent. If you need lower rates, it's a good idea to include rate quotes from independent agents so that you have a good selection of quotes to compare.

The following is a partial list of independent agencies in Evansville that may be able to give you price quote information.


3000 E Division St - Evansville, IN 47711 - (812) 424-5503 - View Map


32 N Weinbach Ave - Evansville, IN 47711 - (812) 479-8651 - View Map


7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map

More insurance agents

Exclusive Auto Insurance Agents

Exclusive agents can only quote rates from one company and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you need to shop around if the rates are high. They are usually well trained in insurance sales and that enables them to sell even at higher rates.

Listed below is a short list of exclusive insurance agents in Evansville who can help you get price quote information.

Manuel Ramirez - State Farm Insurance Agent
4709 Theater Dr - Evansville, IN 47715 - (812) 477-8882 - View Map


5212 Washington Ave - Evansville, IN 47715 - (812) 475-8500 - View Map


4843 E Virginia St - Evansville, IN 47715 - (812) 477-8930 - View Map

More insurance agents

Choosing an insurance agency requires more thought than just a cheap quote. Agents should be asked these questions:

One last thing to lower rates

A few companies do not offer the ability to get quotes online and many times these regional insurance providers only sell coverage through local independent agents. Cheaper car insurance in Evansville can be purchased from both online companies in addition to many Evansville insurance agents, and you should compare price quotes from both so you have a total pricing picture.

When shopping online for car insurance, don't be tempted to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at the best cost.

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