Inconceivable but true, most auto insurance buyers in Texas renewed their policy with the same company for four years or more, and virtually 40% of consumers have never even compared quotes to find lower-cost rates. Most drivers in the U.S. can save hundreds of dollars each year by just comparing rate quotes, but they underestimate the big savings they would realize if they switched to a more affordable policy.
The best way we recommend to find more affordable Nissan Frontier insurance is to compare prices once a year from companies that sell auto insurance in Arlington. Drivers can shop around by following these guidelines.
- Step 1: Try to understand what coverages are included in your policy and the things you can control to prevent expensive coverage. Many risk factors that increase rates such as traffic tickets, fender benders, and poor credit rating can be rectified by being financially responsible and driving safely.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote rates from multiple sources.
- Step 3: Compare the new rates to the price on your current policy and determine if there is any savings. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide notification to your current agent or company to cancel your current policy. Submit the application along with any required down payment for your new coverage. As soon as you have the new policy, place your new proof of insurance paperwork along with the vehicle’s registration papers.
The critical component of shopping around is to make sure you enter the same coverage limits and deductibles on each price quote and and to get rate quotes from every insurance company. Doing this ensures the most accurate price comparison and and a good selection of different prices.
Finding quotes for the best auto insurance coverage in Arlington is not as confusing as people think. If you are insured now or are just looking to switch companies, follow these tips to cut your premiums while maintaining coverages. You just need to understand the most efficient way to get comparison rates from many companies at once.
Affordable Arlington auto insurance quotes with discounts
Car insurance can cost a lot, but companies offer discounts that could drop your premiums quite a bit. Certain reductions will be credited when you get a quote, but less common discounts must be requested specifically before you get the savings.
- Early Renewal Discounts – Some auto insurance companies give discounts for switching companies before your current Frontier insurance policy expires. You can save around 10% with this discount.
- Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Membership in Organizations – Being in a civic or occupational organization in Arlington could trigger savings on your next renewal.
- Federal Government Employee – Active or retired federal employment can earn a discount up to 10% with certain companies.
- First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will let one accident slide without the usual rate increase if you are claim-free before the accident.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.
The information below shows the comparison of Nissan Frontier car insurance rates with and without policy discounts. The data is based on a male driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.
For a list of companies who offer free Nissan Frontier insurance quotes in Arlington, click this link.
First Step: Get free Nissan Frontier insurance quotes
Finding a better price on auto insurance is an easy way to save money. Just take a few minutes comparing free Arlington auto insurance quotes from different insurance companies.
The companies in the list below are ready to provide comparison quotes in Arlington, TX. If you want cheap auto insurance in Texas, we recommend you visit several of them in order to get a fair rate comparison.
Nissan Frontier insurance analysis
The rate information shown next showcases estimates of insurance policy prices for Nissan Frontier models. Being able to understand how insurance prices are calculated can help customers make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$136||$272||$448||$26||$134||$1,016||$85|
|Frontier SE King Cab 2WD||$160||$272||$448||$26||$134||$1,040||$87|
|Frontier SE Crew Cab 2WD||$160||$332||$448||$26||$134||$1,100||$92|
|Frontier Pro-4X King Cab 2WD||$184||$332||$448||$26||$134||$1,124||$94|
|Frontier LE King Cab 2WD||$184||$332||$448||$26||$134||$1,124||$94|
|Frontier SE King Cab 4WD||$184||$272||$358||$22||$108||$944||$79|
|Frontier Pro-4X Crew Cab 2WD||$184||$392||$448||$26||$134||$1,184||$99|
|Frontier LE Crew Cab 2WD||$184||$392||$448||$26||$134||$1,184||$99|
|Frontier SE Crew Cab 4WD||$184||$332||$358||$22||$108||$1,004||$84|
|Frontier LE King Cab 4WD||$208||$332||$358||$22||$108||$1,028||$86|
|Frontier Pro-4X King Cab 4WD||$208||$332||$358||$22||$108||$1,028||$86|
|Frontier Pro-4X Crew Cab 4WD||$208||$332||$358||$22||$108||$1,028||$86|
|Frontier LE Crew Cab 4WD||$208||$332||$358||$22||$108||$1,028||$86|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location information which can raise or lower rates substantially.
Car insurance deductibles
When shopping for car insurance, a common question is what deductibles to buy. The rates shown below may help you to understand the rate differences when you select higher and lower deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.
|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|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$136||$256||$476||$28||$142||$1,038||$87|
|Frontier SE King Cab 2WD||$158||$256||$476||$28||$142||$1,060||$88|
|Frontier SE Crew Cab 2WD||$158||$312||$476||$28||$142||$1,116||$93|
|Frontier Pro-4X King Cab 2WD||$182||$312||$476||$28||$142||$1,140||$95|
|Frontier LE King Cab 2WD||$182||$312||$476||$28||$142||$1,140||$95|
|Frontier SE King Cab 4WD||$182||$256||$382||$22||$114||$956||$80|
|Frontier Pro-4X Crew Cab 2WD||$182||$368||$476||$28||$142||$1,196||$100|
|Frontier LE Crew Cab 2WD||$182||$368||$476||$28||$142||$1,196||$100|
|Frontier SE Crew Cab 4WD||$182||$312||$382||$22||$114||$1,012||$84|
|Frontier LE King Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Frontier Pro-4X King Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Frontier Pro-4X Crew Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Frontier LE Crew Cab 4WD||$206||$312||$382||$22||$114||$1,036||$86|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in Arlington location which can lower or raise premiums substantially.
Using the data above, we can ascertain that using a $250 deductible costs roughly $26 more each month or $312 for a full year averaged for all Frontier models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 29 months between claims, you would probably save some money if you choose a higher deductible.
Calculation for raising deductibles
|Average monthly premium for $250 deductibles:||$116|
|Average monthly premium for $1,000 deductibles (subtract):||– $90|
|Monthly savings from raising deductible:||$26|
|Difference between deductibles ($1,000 – $250):||$750|
|Divide difference by monthly savings:||$750 / $26|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||29 months|
One thing to be aware of is that a higher deductible results in more money out-of-pocket when you have a claim. That will require some savings in the event you have to pay the deductible to have repairs made.
The chart below illustrates how choosing a deductible and can impact Nissan Frontier yearly insurance costs for different age groups. Data assumes a married female driver, full coverage, and no discounts are applied.
Should you buy full coverage?
The chart below shows the comparison of Nissan Frontier car insurance rates with and without physical damage coverage. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no other discounts are factored in.
Are you wasting money paying for full coverage?
There is no clear-cut formula to delete comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s say your Nissan Frontier claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after the policy deductible has been paid. If you are paying over $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some cases where removing full coverage is not a good plan. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
What Determines Nissan Frontier Insurance Costs?
Lots of things are considered when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but some are more transparent like your continuous coverage or how financially stable you are. It’s important that you understand some of the things that come into play when calculating the price you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may result in cheaper rates.
The itemized list below are some of the most common factors utilized by car insurance companies to help set prices.
Which gender costs less? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Women and men cause accidents in similar numbers, but males cause more damage. Men also tend to have more aggressive citations like DWI (DUI) or reckless driving. Male teenagers are most likely to cause an accident so it costs more to insure them.
The example below illustrates the comparison of Nissan Frontier insurance costs for male and female drivers. The rates are based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Liability coverage – Your policy’s liability coverage is the coverage that protects you if you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage to defend your case. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
Save miles and save money – Driving a lot of miles in a year’s time the higher the price you pay to insure it. Most companies charge to insure your cars based upon how much you drive. Cars and trucks that sit idle most of the time can get a lower rate compared to those used for work or business. An incorrectly rated Frontier can cost quite a bit. Make sure your declarations sheet states the correct usage for each vehicle.
Marriage is a factor – Walking down the aisle may cut your premiums on car insurance. It translates into being less irresponsible and it’s statistically proven that married drivers get in fewer accidents.
Your career may increase premiums – Occupations such as military generals, architects, and financial analysts generally pay higher premium rates in part from job stress and lengthy work days. Other careers like actors, athletes and retirees pay the least.
Premiums are high for teenagers – Inexperience drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher. Parents adding a teenage driver onto your car insurance can break the bank. Older, more experienced drivers are more responsible, tend to file fewer claims, and are generally more financially stable.
The following chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Better credit means lower costs – Having a good credit score is likely to be a major factor in calculating your premium rate. Insureds that have high credit scores tend to file fewer claims and have better driving records than those with lower credit scores. If your credit score is low, you could pay less to insure your Nissan Frontier if you improve your credit rating.
Nissan Frontier claim statistics – Auto insurance companies factor in historical loss data as a way to help calculate a profitable premium price. Vehicles that historically have higher losses will cost more to insure. The table below illustrates the loss history for Nissan Frontier vehicles.
For each type of coverage, the claim amount for all vehicles averaged together is represented as 100. Values under 100 imply a favorable loss record, while values that are 100 or greater indicate more frequent claims or an increased chance of a larger loss.
|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|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Buying auto insurance from Arlington car insurance agents
Many drivers still prefer to talk to an insurance agent and there is nothing wrong with that. Good agents can make sure you are properly covered and help you file claims. A good thing about price shopping on the web is you may find better rates but also keep your business local. And providing support for local agencies is important particularly in Arlington.
To find an agent, once you fill out this short form, the coverage information is instantly submitted to participating agents in Arlington who can give free rate quotes for your auto insurance coverage. It’s much easier because you don’t need to leave your house as quotes are delivered to you directly. If you have a need to quote rates for a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.
The different types of car insurance agents
If you are wanting to purchase auto insurance from a good insurance agency, there are a couple of different types of agents to choose from. Auto insurance agents are considered either independent (non-exclusive) or exclusive. Both handle auto insurance, but we need to point out the difference in the companies they write for because it can factor into which type of agent you select.
Independent Auto Insurance Agencies or Brokers
Independent agencies are normally appointed by many insurers so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. If premiums increase, an independent agent can move your coverage and you don’t have to find a new agent.
If you are comparing rate quotes, you absolutely need to include rate quotes from a couple of independent agencies to have the most options to choose from. Many write coverage with small regional insurance companies that may have much lower rates than larger companies.
The following is a list of independent agents in Arlington that may be able to give you cheap rate quotes.
- Pattillo Insurance Agency
3825 W Green Oaks Blvd Suite 250 – Arlington, TX 76016 – (972) 218-1723 – View Map
- Shane Ferrell Insurance Agency
3926 W Pioneer Pkwy – Arlington, TX 76013 – (817) 635-4663 – View Map
- Tucker Insurance Agency
3901 Arlington Highlands Blvd #200 – Arlington, TX 76018 – (817) 695-5166 – View Map
Agents of this type can usually just insure with one company such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to compare rates from other companies so keep that in mind. Exclusive agents are highly trained on their products and sales techniques and that allows them to sell at a higher price point. Some insured continue to choose to use an exclusive agent mostly because of high brand loyalty and solid financial strength.
Shown below are Arlington exclusive insurance agencies who can help you get comparison quotes.
- Allstate Insurance: Anthony Sampson
4519 Matlock Rd Ste 131 – Arlington, TX 76018 – (817) 784-1815 – View Map
- Allstate Insurance: Thomas R. Crutchfield
214 S Mesquite St – Arlington, TX 76010 – (817) 861-1977 – View Map
- Jesus Sanchez – State Farm Insurance Agent
3330 Matlock Rd #124 – Arlington, TX 76015 – (817) 468-3338 – View Map
Picking the best auto insurance agent shouldn’t rely on just the quoted price. The questions below may impact your decision as well.
- When do they do a full risk review?
- Are you getting all the discounts the company offers?
- Where would your vehicle be repaired?
- Do they offer claims assistance after hours?
- Which company do they place the most coverage with?
- Does the company use OEM repair parts?
Upon getting good responses to your questions and a good coverage price, you’ve probably found an insurance agency that is professional and can provide auto insurance coverage. Keep in mind once you purchase a policy you can cancel a policy at any point so never feel that you are permanently stuck with any particular company for the entire policy term.
It may be expensive, but it’s not optional
Despite the high insurance cost for a Nissan Frontier in Arlington, insuring your vehicle may be required and benefits you in several ways.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your car, it’s guaranteed your bank will require that you have physical damage coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Nissan for a lot more money and force you to pay much more than you were paying before.
Third, auto insurance protects not only your Nissan but also your assets. Insurance will pay for most medical and hospital costs incurred in an accident. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so compare rates every year to make sure the price is not too high.
Consumers leave their current company for a variety of reasons including delays in responding to claim requests, delays in paying claims, policy non-renewal or even high prices. It doesn’t matter why you want to switch finding the right insurance provider is not as difficult as it may seem.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone dropped uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.
Some companies do not offer rates over the internet and many times these regional carriers only sell through local independent agencies. Low-cost Nissan Frontier insurance in Arlington is possible on the web as well as from independent agents in Arlington, and you need to price shop both so you have a total pricing picture.
Additional information can be read at the links below
- Event Data Recorders FAQ (iihs.org)
- Who Has Affordable Arlington Auto Insurance for Teachers? (FAQ)
- Who Has the Cheapest Auto Insurance for Seniors in Arlington? (FAQ)
- Who Has the Cheapest Arlington Auto Insurance for Immigrants? (FAQ)
- Who Has Affordable Arlington Auto Insurance Rates for a Toyota Camry? (FAQ)
- Child Safety FAQ (iihs.org)
- Determining Auto Insurance Rates (GEICO)