If you’re searching for lower-cost insurance online, are you frustrated by the crazy number of auto insurance companies in your area? Many other people are too. There are so many companies to choose from that it can turn into more work than you anticipated to find the perfect company for you. If you live there, you know that Aurora is a wonderful place to live, but the high cost of auto insurance can make it hard for many residents to pay for enough auto insurance coverage.
How to find cheaper Nissan Frontier insurance in Aurora
To save the most money, the best way to find better pricing on auto insurance rates in Aurora is to compare prices once a year from insurers in Colorado. Rates can be compared by following these guidelines.
- Gain an understanding of how auto insurance works and the measures you can control to prevent rate increases. Many things that are responsible for high rates like accidents, careless driving, and poor credit history can be rectified by making small lifestyle or driving habit changes. This article gives additional ideas to get affordable coverage and find more discounts that you may not know about.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can give you price quotes from many different companies.
- Compare the quotes to your existing rates to determine if switching companies saves money. If you find better rates and change companies, verify that coverage does not lapse between policies.
- Give notification to your current company to cancel your existing policy. Submit the application along with any required down payment to your new carrier. Once the application is submitted, safely store the proof of insurance certificate with your vehicle’s registration.
One tip to remember is to use the same liability limits and deductibles on every price quote and to quote with as many companies as you can. This ensures an accurate price comparison and a better comparison of the market.
Statistics show that a large majority of drivers kept their coverage with the same auto insurance company for four years or more, and approximately 38% of consumers have never shopped around. Drivers in Colorado could save themselves roughly $600 a year just by getting comparison quotes, but they just feel it’s too hard to compare rates.
Rates and statistics
The coverage information shown below highlights a range of prices for Nissan Frontier models. Being aware of how auto insurance prices are calculated can assist in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $172 | $372 | $412 | $24 | $124 | $1,104 | $92 |
| Frontier SE King Cab 2WD | $202 | $372 | $412 | $24 | $124 | $1,134 | $95 |
| Frontier SE Crew Cab 2WD | $202 | $454 | $412 | $24 | $124 | $1,216 | $101 |
| Frontier Pro-4X King Cab 2WD | $232 | $454 | $412 | $24 | $124 | $1,246 | $104 |
| Frontier LE King Cab 2WD | $232 | $454 | $412 | $24 | $124 | $1,246 | $104 |
| Frontier SE King Cab 4WD | $232 | $372 | $330 | $20 | $98 | $1,052 | $88 |
| Frontier Pro-4X Crew Cab 2WD | $232 | $534 | $412 | $24 | $124 | $1,326 | $111 |
| Frontier LE Crew Cab 2WD | $232 | $534 | $412 | $24 | $124 | $1,326 | $111 |
| Frontier SE Crew Cab 4WD | $232 | $454 | $330 | $20 | $98 | $1,134 | $95 |
| Frontier LE King Cab 4WD | $262 | $454 | $330 | $20 | $98 | $1,164 | $97 |
| Frontier Pro-4X King Cab 4WD | $262 | $454 | $330 | $20 | $98 | $1,164 | $97 |
| Frontier Pro-4X Crew Cab 4WD | $262 | $454 | $330 | $20 | $98 | $1,164 | $97 |
| Frontier LE Crew Cab 4WD | $262 | $454 | $330 | $20 | $98 | $1,164 | $97 |
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in garaging location in Aurora which can affect price quotes substantially.
Impact of careless driving on insurance rates
The chart below shows how traffic citations and accident claims increase Nissan Frontier insurance prices for different categories of driver ages. The rates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Insurance premiums based on gender
The illustration below illustrates the difference between Nissan Frontier car insurance costs for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are factored in.
Price comparison of only insuring for liability
The chart below shows the comparison of Nissan Frontier auto insurance costs with and without full coverage. The premiums are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There isn’t a written rule for eliminating physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s assume your Nissan Frontier replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the deductible is paid. If you are paying in excess of $200 annually to have full coverage, then it could be time to drop full coverage.
There are some circumstances where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Coverages available on your auto insurance policy
Understanding the coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses like prosthetic devices, chiropractic care and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible
Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Frontier.
Since many Colorado drivers carry very low liability coverage limits (25/50/15), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liability limits.
Liability car insurance – This will cover damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/15 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $15,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as attorney fees, medical expenses, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Colorado requires minimum liability limits of 25/50/15 but it’s recommended drivers buy more coverage.
The next chart demonstrates why the minimum limit may not be adequate coverage.
Collision coverage – Collision coverage pays for damage to your Frontier from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Frontier to save money on collision insurance.
Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, theft, a broken windshield and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Cheaper auto insurance is a realistic goal
You just learned a lot of ways to compare Nissan Frontier insurance premium rates in Aurora. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies.
As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice physical damage coverage only to discover later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.
Budget-conscious Nissan Frontier insurance is definitely available from both online companies in addition to local insurance agencies, so you need to shop Aurora auto insurance with both to have the best chance of lowering rates. A few companies don’t offer the ability to get quotes online and many times these smaller providers prefer to sell through independent agents.
How to find low-cost rates for Nissan Frontier insurance in Aurora
The most effective way to get affordable Nissan Frontier insurance in Aurora is to start comparing prices yearly from insurers who can sell car insurance in Colorado. You can shop around by following these guidelines.
- Step 1: Gain an understanding of auto insurance and the modifications you can make to prevent high rates. Many rating factors that result in higher prices like speeding tickets, accidents and your credit history can be improved by making minor changes to your lifestyle.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agents can provide rate quotes from many different companies. Begin your rate comparison
- Step 3: Compare the quotes to the premium of your current policy and see if there is a cheaper rate in Aurora. If you find a better price and change companies, ensure coverage does not lapse between policies.
- Step 4: Give notification to your current company to cancel your existing policy and submit a down payment and signed policy application for the new policy. Make sure you safely store the proof of insurance certificate in an easily accessible location.
The key aspect of shopping around is to use the same coverage limits and deductibles on every price quote and and to get quotes from as many different insurance providers as possible. This provides a fair rate comparison and the best price quote selection.
More tips and info about auto insurance is available by following these links:
- Airbag FAQ (iihs.org)
- How Much is Auto Insurance After a Speeding Ticket in Aurora? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Uber Drivers in Aurora? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)