Nissan Frontier Insurance Quotes in Virginia Beach

Really, the only way to save on Nissan Frontier insurance is to make a habit of comparing prices annually from providers in Virginia Beach.

• First, get an understanding of car insurance and the steps you can take to drop your rates. Many risk factors that increase rates like high-risk driving behaviors and an unacceptable credit history can be eliminated by making minor driving habit or lifestyle changes. Continue reading for additional tips to get cheaper rates and find discounts that may have been missed.
• Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agents can quote rates from multiple companies.
• Third, compare the new rates to your current policy premium to see if cheaper Frontier coverage is available in Virginia Beach. If you find better rates and buy the policy, verify that coverage does not lapse between policies.

An important part of this process is that you’ll want to make sure you compare similar coverage information on each quote and and to get rates from as many different companies as possible. This provides a fair rate comparison and a complete rate analysis.

A recent auto insurance study revealed that the vast majority of auto insurance customers kept their policy with the same company for more than four years, and almost 40% of drivers have never compared auto insurance rates at all. Virginia Beach consumers could save approximately 45% every year just by comparing rates, but they think it’s difficult to find cheap insurance by shopping around.

All major auto insurance companies provide prices direct online. Doing online price comparisons for Nissan Frontier insurance in Virginia Beach doesn’t take a lot of time because you just enter your personal and coverage information as requested by the quote form. After you submit the form the company’s rating system will obtain information on your driving record and credit history and generates a price determined by many factors. This streamlines rate comparisons, and it’s absolutely necessary to have as many quotes as possible in order to get affordable rates.

To quickly find out how much you can save on auto insurance, compare rates now from the companies shown below. If you have your current policy handy, we recommend you duplicate your coverages exactly as shown on your declarations page. This guarantees you will have comparison quotes for similar insurance coverage.

The providers in the list below are ready to provide free quotes in Virginia Beach, VA. To find cheaper auto insurance in VA, we recommend you click on several of them to find the most affordable car insurance rates.

Do you qualify for discounts?

Auto insurance companies don’t necessarily list the entire discount list very clearly, so below is a list a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Virginia Beach car insurance online.

• Discount for Home Ownership – Owning a home in Virginia Beach may earn you a small savings since home ownership requires a higher level of personal finance.
• Federal Government Employee – Simply working for the federal government may reduce rates when you quote Virginia Beach car insurance depending on your company.
• New Vehicle Savings – Buying a new car model can save you some money due to better safety requirements for new model year vehicles.
• Telematics Data Discounts – Insureds that choose to allow their company to track when and where they use their vehicle by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
• Anti-lock Brakes – Cars equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
• Good Students Pay Less – A discount for being a good student may save as much as 25% on a Virginia Beach car insurance quote. Many companies even apply the discount to college students up until you turn 25.
• Drive Safe and Save – Drivers who avoid accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Virginia Beach car insurance quote.
• College Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.

Discounts lower rates, but most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

The example below visualizes the comparison of Nissan Frontier annual premium costs with and without discounts applied. The rate quotes are based on a female driver, no violations or claims, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-policy, and multi-car discounts applied.

A few popular companies and the discounts they provide are detailed below.

• The Hartford has discounts for vehicle fuel type, defensive driver, anti-theft, good student, bundle, driver training, and air bag.
• American Family may have discounts that include TimeAway discount, defensive driver, Steer into Savings, bundled insurance, good student, mySafetyValet, and multi-vehicle.
• Progressive includes discounts for online quote discount, good student, multi-vehicle, multi-policy, continuous coverage, online signing, and homeowner.
• Travelers offers discounts for student away at school, IntelliDrive, multi-car, payment discounts, driver training, and new car.
• Farmers Insurance may offer discounts for homeowner, alternative fuel, pay in full, bundle discounts, mature driver, switch companies, and business and professional.
• USAA policyholders can earn discounts including new vehicle, multi-policy, military installation, driver training, good student, multi-vehicle, and vehicle storage.
• Liberty Mutual offers premium reductions for preferred payment discount, new graduate, teen driver discount, new vehicle discount, and multi-car.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in Virginia Beach. To see a list of insurers that offer multiple discounts in Virginia, click here to view.

Auto insurance analysis for a Nissan Frontier

The price information shown next covers a range of insurance premium costs for Nissan Frontier models. Learning a little about how insurance policy rates are calculated can help customers make smart policy decisions.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in specific location information which can decrease or increase insurance rates noticeably.

Policy deductibles

When buying auto insurance, a common question is which deductibles should you choose. The following insurance rates can help show the cost difference between high and low insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific location information which can affect prices greatly.

We can derive from the above data that using a $250 deductible costs approximately $10 more each month or $120 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 25 months between claim filings, you would more than likely save some money going with the higher deductible.

Driving violations and accidents

The chart below demonstrates how traffic citations and fender-benders can influence Nissan Frontier insurance premiums for each different age category. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Gender differences in auto insurance premiums

The illustration below visualizes the comparison of Nissan Frontier insurance prices for male and female drivers. The rates are based on no violations or accidents, full coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

Smart Consumers Save Every Year

When buying auto insurance it’s important to understand some of the things that help calculate the rates you pay for auto insurance. If you know what determines base rates, this enables you to make decisions that can help you get lower premium levels. Lots of things are taken into consideration when quoting car insurance. Some factors are common sense like your driving record, although some other factors are more obscure like where you live or how financially stable you are.

The factors shown below are a few of the things used by your company to calculate rates.

• Insure car and home with the same company – Some insurers afford better rates to buyers that purchase more than one policy in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you qualify for this discount already, it’s still a good idea to comparison shop to guarantee you are still saving the most.
• Safer cars cost less to insure – Safer cars are cheaper to insure. Highly rated vehicles reduce the chance of injuries and fewer injuries translates directly to fewer claims which can mean better rates for you.
• Credit history impacts costs – An insured’s credit score can be an important factor in determining your rates. Consumers who have high credit scores tend to file fewer claims than drivers with lower ratings. If your credit rating leaves room for improvement, you could save money insuring your Nissan Frontier by improving your credit score.
• Better rates for no policy lapses – Having a gap between insurance policy dates can be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Virginia motor vehicle department to get your license reinstated.
• Filing insurance claims can increase rates – Insurance companies in Virginia provide better rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is designed for claims that you cannot pay yourself.

• Loss probability for a Nissan Frontier – Companies include the past claim history for a vehicle to help determine the rate you pay. Vehicles that are shown to have higher prevalence or dollar amount of losses will cost more for specific coverages. The table below demonstrates the loss history for Nissan Frontier vehicles.

  For each policy coverage, the claim probability for all vehicles, as a total average, is set at 100. Percentage values below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 indicate frequent claims or a tendency for losses to be larger than average.

  
  

  Auto Insurance Loss Data for Nissan Frontier Models

  Vehicle 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
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Local Virginia Beach insurance agents

Some consumers would prefer to buy from a licensed agent and that can be a great decision Good insurance agents can help you build your policy and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can find cheap rate quotes but still work with a licensed agent. Putting coverage with local insurance agents is still important in Virginia Beach.

Once you complete this short form, the quote information gets sent to participating agents in Virginia Beach who want to provide quotes for your coverage. It’s much easier because you don’t need to drive around as quotes are delivered to you instantly. If you need to quote rates from a specific insurance provider, you just need to jump over to their website to submit a rate quote request.

If you want a good Virginia Beach insurance agent, it’s important to understand the different agency structures and how they are slightly different. Insurance agencies can either be exclusive or independent agents depending on their company appointments. Both types of agents can sell affordable insurance policies, but it’s important to point out the subtle differences because it can factor into your agent selection.

Independent Insurance Agencies

Agents that elect to be independent are not employed by one company and that gives them the ability to insure amongst many companies and find the cheapest insurance rates. If you want to switch companies, they simply switch companies in-house which makes it simple for you. When comparing rates, we recommend you get rate quotes from at least one independent agent to ensure the widest selection of prices.

Below are Virginia Beach independent insurance agencies that can give you free insurance quotes.

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Exclusive Insurance Agencies

Agents of this type can only quote rates from one company and examples are American Family, State Farm, and Allstate. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. These agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Below are exclusive insurance agents in Virginia Beach that can give you price quote information.

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Finding the right insurance agent should depend on more than just a cheap price quote. Any good agent in Virginia Beach should know the answers to these questions.

• What is the agency’s Better Business Bureau rating?
• Is there any savings for paying the full premium?
• Will the company cover a rental car if your car is getting fixed?
• Which insurance companies are they affiliated with?
• Can they provide you with a list of referrals?

More comparisons equals cheaper rates

There are still a few companies who don’t offer price quotes online and most of the time these smaller companies sell through independent insurance agencies. Lower-priced Nissan Frontier insurance in Virginia Beach can be sourced online in addition to many Virginia Beach insurance agents, so compare prices from both in order to have the best price selection to choose from.

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

You just read a lot of tips how to reduce Nissan Frontier insurance prices online in Virginia Beach. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

More tips and info about auto insurance can be read in these articles:

• A Tree Fell on Your Car: Now What? (Allstate)
• Who Has the Cheapest Auto Insurance for Uber Drivers in Virginia Beach? (FAQ)
• How Much is Car Insurance for Teenage Females in Virginia Beach? (FAQ)
• What Car Insurance is Cheapest for Handicapped Drivers in Virginia Beach? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Crash Statistics (Insurance Information Institute)
• Rental Car Insurance Tips (Insurance Information Institute)