Best Quotes for Nissan Frontier Insurance in Fort Worth

Insurance quote for Nissan Frontier in Fort WorthThe preferred way to find more affordable car insurance rates is to compare prices at least once a year from companies that sell auto insurance in Fort Worth. Drivers can shop around by following these guidelines.

  1. Get a basic knowledge of car insurance and the things you can control to keep rates in check. Many policy risk factors that drive up the price like at-fault accidents, speeding tickets, and a bad credit score can be eliminated by making minor driving habit or lifestyle changes. Continue reading for additional tips to lower rates and find missing discounts.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of companies.
  3. Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, ensure there is no coverage lapse between policies.

A tip to remember is to make sure you enter identical coverage information on every quote request and and to get price quotes from as many car insurance companies as possible. Doing this enables a fair rate comparison and a complete price analysis.

We don’t have to point out that fact that car insurance companies don’t want you to look for cheaper rates. Consumers who compare rates annually are inclined to buy a new policy because the odds are good of finding discount prices. A recent study showed that people who shopped around annually saved about $860 a year compared to people who never shopped around for better prices.

If finding the best price on auto insurance is the reason for your visit, then having a grasp of the best way to quote and compare coverages can make the process less intimidating.

Comparing quotes for the lowest-priced coverage in Fort Worth is not as confusing as people think. If you have coverage now or are shopping for new coverage, you can use these tips to shop for the lowest rates and still have adequate protection. Shoppers only have to learn the tricks to compare rate quotes online from multiple companies.

Companies offering Nissan Frontier insurance in Texas

The auto insurance companies shown below provide free rate quotes in Fort Worth, TX. If multiple providers are shown, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.

Nissan Frontier insurance rate analysis

The rate information shown next outlines different coverage prices for Nissan Frontier models. Having a better understanding of how car insurance prices are established can help customers make smart choices when purchasing an insurance policy.

Nissan Frontier Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $210 $476 $538 $32 $162 $1,418 $118
Frontier SE King Cab 2WD $246 $476 $538 $32 $162 $1,454 $121
Frontier SE Crew Cab 2WD $246 $580 $538 $32 $162 $1,558 $130
Frontier Pro-4X King Cab 2WD $282 $580 $538 $32 $162 $1,594 $133
Frontier LE King Cab 2WD $282 $580 $538 $32 $162 $1,594 $133
Frontier SE King Cab 4WD $282 $476 $430 $26 $128 $1,342 $112
Frontier Pro-4X Crew Cab 2WD $282 $684 $538 $32 $162 $1,698 $142
Frontier LE Crew Cab 2WD $282 $684 $538 $32 $162 $1,698 $142
Frontier SE Crew Cab 4WD $282 $580 $430 $26 $128 $1,446 $121
Frontier LE King Cab 4WD $318 $580 $430 $26 $128 $1,482 $124
Frontier Pro-4X King Cab 4WD $318 $580 $430 $26 $128 $1,482 $124
Frontier Pro-4X Crew Cab 4WD $318 $580 $430 $26 $128 $1,482 $124
Frontier LE Crew Cab 4WD $318 $580 $430 $26 $128 $1,482 $124
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location which can impact premium rates substantially.

An analysis of deductible level

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The comparisons below can help show the premium difference between low and high physical damage coverage deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.

Nissan Frontier insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $218 $408 $476 $28 $142 $1,297 $108
Frontier SE King Cab 2WD $256 $408 $476 $28 $142 $1,335 $111
Frontier SE Crew Cab 2WD $256 $496 $476 $28 $142 $1,423 $119
Frontier Pro-4X King Cab 2WD $294 $496 $476 $28 $142 $1,461 $122
Frontier LE King Cab 2WD $294 $496 $476 $28 $142 $1,461 $122
Frontier SE King Cab 4WD $294 $408 $382 $22 $114 $1,245 $104
Frontier Pro-4X Crew Cab 2WD $294 $584 $476 $28 $142 $1,549 $129
Frontier LE Crew Cab 2WD $294 $584 $476 $28 $142 $1,549 $129
Frontier SE Crew Cab 4WD $294 $496 $382 $22 $114 $1,333 $111
Frontier LE King Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Frontier Pro-4X King Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Frontier Pro-4X Crew Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
Frontier LE Crew Cab 4WD $332 $496 $382 $22 $114 $1,371 $114
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Nissan Frontier insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $178 $328 $476 $28 $142 $1,152 $96
Frontier SE King Cab 2WD $208 $328 $476 $28 $142 $1,182 $99
Frontier SE Crew Cab 2WD $208 $400 $476 $28 $142 $1,254 $105
Frontier Pro-4X King Cab 2WD $240 $400 $476 $28 $142 $1,286 $107
Frontier LE King Cab 2WD $240 $400 $476 $28 $142 $1,286 $107
Frontier SE King Cab 4WD $240 $328 $382 $22 $114 $1,086 $91
Frontier Pro-4X Crew Cab 2WD $240 $472 $476 $28 $142 $1,358 $113
Frontier LE Crew Cab 2WD $240 $472 $476 $28 $142 $1,358 $113
Frontier SE Crew Cab 4WD $240 $400 $382 $22 $114 $1,158 $97
Frontier LE King Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Frontier Pro-4X King Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Frontier Pro-4X Crew Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Frontier LE Crew Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific garaging location which can increase or decrease coverage rates greatly.

Based on these figures, using a $250 deductible could cost the average driver approximately $14 more each month or $168 annually averaged for all Frontier models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 18 months between claims, you would probably be better off if you opt for a higher deductible.

The Nissan Frontier Insurance Premium Equation

A large part of saving on auto insurance is knowing some of the factors that play a part in calculating your premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get lower premium levels.

Your employer can affect rates – Jobs like lawyers, airline pilots, and financial analysts generally pay the highest rates because of high stress levels and lengthy work days. On the other hand, careers such as scientists, students and retirees receive lower rates.

Incidental coverages can cost a lot – There are a lot of optional add-on coverages that you can buy but may not be useful. Insurance for rental car reimbursement, towing, and extra equipment coverage are examples of these. The coverages may be enticing at first, but your needs may have changed so eliminate them to save money.

Single vs. married – Having a spouse may save some money on your policy. Having a spouse is viewed as being more mature it has been statistically shown that married drivers tend to file fewer claims.

Bump up coverage deductibles to lower rates – Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your Nissan. Some coverage claims are colliding with a building, flood damage, and rolling your vehicle. Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you choose to pay out-of-pocket, the better rate you will receive.

Discounts for alarms and GPS tracking – Buying a car that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.

Improve your credit history and save – Credit rating is likely to be a major factor in determining what you pay. People with good credit tend to be more responsible and file fewer claims than drivers who have lower credit ratings. If your credit score can be improved, you may save money insuring your Nissan Frontier by spending a little time repairing your credit.

Nissan Frontier claim probability – Insurers factor in insurance loss information to calculate a price that will offset any claims. Models that the data shows to have higher claim frequency or loss amount will have higher premium rates. The table below shows the loss history for Nissan Frontier vehicles.

For each policy coverage type, the claim probability for all vehicles, without regard to make or model, is a value of 100. Numbers under 100 suggest losses that are better than average, while values that are above 100 indicate more frequent claims or an increased likelihood of larger losses.

Nissan Frontier Insurance Loss Statistics
Vehicle 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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Determine discounts to get cheap Fort Worth auto insurance quotes

Auto insurance can be pricey, but you may be missing some discounts that could help you make your next renewal payment. Most are applied at the time of quoting, but less common discounts must be requested specifically in order for you to get them. If you don’t get every credit available, you are paying more than you should be.Cheaper auto insurance with discounts

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way.

The information below illustrates the comparison of Nissan Frontier auto insurance rates with and without some available policy discounts. The premiums assume a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

A list of companies and some of the premium reductions they offer can be found below.

If you want the cheapest Nissan Frontier rate quotes, ask each company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in Fort Worth. If you would like to see a list of insurance companies who offer auto insurance discounts in Texas, click this link.

Compare rates but buy from a local neighborhood Fort Worth car insurance agent

A small number of people would prefer to get professional advice from a licensed agent and that is just fine! Insurance agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of comparing auto insurance online is you can get cheap auto insurance quotes and still buy from a local agent. Buying from and supporting local agents is still important in Fort Worth.

To find an agent, once you fill out this quick form, your coverage information is sent to companies in Fort Worth who can give free rate quotes for your business. There is no need to even leave your home since rate quotes are delivered directly to your email. If you have a need to get a comparison quote from one company in particular, you can always go to their quote page and give them your coverage information.

Pick the best car insurance agent in Fort Worth for you

If you want to buy auto insurance from local Fort Worth agents, it’s important to understand the types of agencies and how they can write your policy. Agents can either be independent agents or exclusive agents. Either can sell affordable auto insurance policies, but it’s good to learn how they are different since it could factor into the kind of agent you use.

Independent Auto Insurance Agents

Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies with any number of different companies and find you cheaper rates. If they find a lower price, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rates, you should always include price quotes from a couple of independent agencies to get the most accurate price comparison.

Featured below is a list of independent agents in Fort Worth that may be able to give competitive price quotes.

5801 Curzon Ave #137Fort Worth, TX 76107(817) 731-0991View Map

6613 McCart AveFort Worth, TX 76133(817) 332-2066View Map

3559 Williams Rd Suite 110Fort Worth, TX 76116(817) 370-0125View Map

View more Fort Worth agents

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to give you multiple price quotes so they really need to provide good service. They are trained well on their company’s products which aids in selling service over price.

Shown below are exclusive insurance agents in Fort Worth who can help you get comparison quotes.

7833 Summer Creek DrFort Worth, TX 76123(817) 292-6214View Map

3417 Hulen St #203Fort Worth, TX 76107(817) 732-1611View Map

7420 N Beach St #234Fort Worth, TX 76137(817) 485-5660View Map

View more Fort Worth agents

Picking the best insurance agent needs to be determined by more than just a cheap quote. These are some questions your agent should answer.

If you feel you receive satisfactory answers to any questions you may have and an affordable coverage quote, it’s possible that you found an insurance agent that is reliable enough to provide auto insurance coverage. But remember, you are entitled to cancel your coverage whenever you choose to so don’t assume that you are permanently stuck with a specific company with no way to switch.

Tailor your auto insurance coverage to you

When choosing insurance from an agent or online, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that.Auto insurance savings
Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

A conclusion for your car insurance search

When searching for affordable Fort Worth car insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In too many instances, someone sacrificed full coverage only to find out that it was a big error on their part. Your strategy should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

We just covered a lot of ways to reduce Nissan Frontier insurance premium rates online in Fort Worth. The key concept to understand is the more you quote Fort Worth car insurance, the better chance you’ll have of finding cheaper Fort Worth car insurance quotes. You may even discover the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm and Allstate.

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