Nissan Frontier insurance image courtesy of QuoteInspector.com
When trying to find cheaper insurance, are you intimidated by the number of car insurance providers in San Diego? Vehicle owners have so many choices that it can easily turn into a ton of work to lower your car insurance rates for Nissan Frontier insurance in San Diego. San Diego is an awesome place to live, but high car insurance rates can make it hard for many residents to be able to afford adequate coverage.
Shocking but true, the vast majority of car insurance customers have remained with the same car insurance company for a minimum of four years, and approximately 40% of consumers have never quoted car insurance rates at all. California insurance shoppers could save up to $470 every year, but they assume it's a waste of time to shop their coverage around.
You should make it a habit to do rate comparisons quite often because prices change quite often. Even if you got the best deal on Nissan Frontier insurance in San Diego a couple years back other companies may now be cheaper. There are lots of tips to save on Frontier insurance on the internet, but you can learn some guaranteed methods to buy car insurance cheaper in San Diego.
If you have insurance now, you will definitely be able to reduce premiums using the following tips. Pricing more affordable insurance in San Diego is easy if you know what you're doing. But California consumers need to learn the way insurance companies price insurance differently because it varies considerably.
These discounts can reduce Nissan Frontier insurance rates
Properly insuring your vehicles can get expensive, but there could be significant discounts that you may not know about. Most are applied when you get a quote, but a few need to be asked for prior to receiving the credit.
- Driver Training Discounts - Completing a class that teaches defensive driver techniques could earn you a small percentage discount if your company offers it.
- Drive Safe and Save - Accident-free drivers can save up to 40% or more on their San Diego auto insurance quote than their less cautious counterparts.
- Driver Education Discount - Have your child take driver's ed class in high school.
- Pay Now and Pay Less - By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
- Professional Memberships - Affiliation with a civic or occupational organization in San Diego could trigger savings on your next auto insurance statement.
- Military Discounts - Being on active duty in the military could qualify you for better rates.
- Senior Citizen Rates - Seniors could receive a slight reduction on a San Diego auto insurance quote.
- Multi-car Discount - Insuring all your vehicles on one policy can reduce the rates for all insured vehicles.
- Student Discounts - A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
Just know that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it just doesn't work that way.
A list of companies and some of their more popular discounts are detailed below.
- Esurance offers discounts including multi-policy, online quote, good student, claim free, defensive driver, and anti-lock brakes.
- The Hartford has discounts for bundle, air bag, good student, anti-theft, and defensive driver.
- AAA may have discounts that include good student, pay-in-full, education and occupation, anti-theft, and multi-car.
- GEICO discounts include emergency military deployment, military active duty, good student, air bags, and multi-policy.
- State Farm offers discounts for safe vehicle, good driver, defensive driving training, good student, multiple autos, and accident-free.
If you need affordable San Diego auto insurance quotes, ask each company or agent to apply every possible discount. Some discounts listed above might not be offered on policies in your area. To see auto insurance companies that offer some of these discounts in California, click this link.
To find cheap rates, there are a couple of ways of comparing rates from all the different companies. The simplest method to find cheaper rates consists of shopping online. When quoting auto insurance, remember that making a lot of price comparisons increases your odds of finding better pricing.
The providers in the list below have been selected to offer free quotes in California. If multiple companies are listed, we recommend you visit two to three different companies to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $218 | $464 | $624 | $36 | $186 | $1,528 | $127 |
| Frontier SE King Cab 2WD | $230 | $392 | $520 | $30 | $156 | $1,328 | $111 |
| Frontier SE Crew Cab 2WD | $208 | $454 | $580 | $34 | $174 | $1,450 | $121 |
| Frontier Pro-4X King Cab 2WD | $238 | $454 | $580 | $34 | $174 | $1,480 | $123 |
| Frontier LE King Cab 2WD | $346 | $632 | $568 | $34 | $170 | $1,750 | $146 |
| Frontier SE King Cab 4WD | $422 | $694 | $596 | $36 | $178 | $1,926 | $161 |
| Frontier Pro-4X Crew Cab 2WD | $216 | $464 | $530 | $32 | $158 | $1,400 | $117 |
| Frontier LE Crew Cab 2WD | $332 | $664 | $564 | $34 | $168 | $1,762 | $147 |
| Frontier SE Crew Cab 4WD | $326 | $708 | $500 | $30 | $150 | $1,714 | $143 |
| Frontier LE King Cab 4WD | $244 | $394 | $424 | $26 | $126 | $1,214 | $101 |
| Frontier Pro-4X King Cab 4WD | $440 | $576 | $578 | $34 | $174 | $1,802 | $150 |
| Frontier Pro-4X Crew Cab 4WD | $378 | $662 | $534 | $32 | $160 | $1,766 | $147 |
| Frontier LE Crew Cab 4WD | $186 | $308 | $424 | $26 | $126 | $1,070 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific zip code location which can alter prices considerably.
Physical damage deductible comparison
The example below shows how choosing a deductible and can affect Nissan Frontier insurance prices for different ages of insureds. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are factored in.
How violations and accidents impact rates
The diagram below shows how speeding tickets and at-fault collisions can affect Nissan Frontier premium costs for different categories of driver ages. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
You may need specialized insurance coverage
Always remember that when buying proper insurance coverage, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help you determine if you might need professional guidance.
- Why are teen drivers so expensive to add on to my policy?
- When does my teenage driver need to be added to my policy?
- How can I get high-risk coverage after a DUI?
- Does my Nissan Frontier need full coverage?
- Which companies will insure me after a DUI?
- Why am I required to buy high-risk coverage?
If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Compare rates but still have a local San Diego insurance agent
Many drivers would prefer to sit down with an agent and that is OK! The best thing about getting online price quotes is the fact that drivers can get lower rates and still buy from a local agent. Supporting local insurance agents is especially important in San Diego.
By using this form (opens in new window), the coverage information is submitted to local insurance agents who will give competitive quotes for your business. You won't even need to leave your house as quotes are delivered straight to your inbox. You can find lower rates without a big time investment. If you have a need to get a rate quote from a specific insurance company, you just need to navigate to their website to submit a rate quote request.
If you're trying to find a reliable agent, there are two types of agencies and how they can write your policy. Car insurance agents in San Diego are classified as either independent (non-exclusive) or exclusive.
Independent Agents
These type of agents are appointed with more than one company so they can insure your vehicles with lots of companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your policy is moved internally which is easy for the insured. When searching for an agent, you definitely need to contact a couple of independent agencies for maximum quote selection. Most can insure with smaller mutual companies that may have much lower rates than larger companies.
Featured below are San Diego independent agents that can possibly get you free rate quotes.
- Nickie Heath Insurance Agency
16855 W Bernardo Dr # 230 - San Diego, CA 92127 - (858) 487-3737 - View Map - Alcott Insurance
3945 Idaho St - San Diego, CA 92104 - (619) 293-3800 - View Map - Curtis Moring Insurance Agency Inc.
5425 Oberlin Dr #201 - San Diego, CA 92121 - (619) 718-7578 - View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company such as Allstate, State Farm and Farmers Insurance. They usually cannot compare other company's rates so you might not find the best rates. Exclusive insurance agents are well schooled in insurance sales which helps them sell on service rather than price. Many people use the same agent partially due to the prominence of the brand rather than having the cheapest rates.
Below is a list of exclusive agencies in San Diego willing to provide comparison quotes.
- Steve Elder - State Farm Insurance Agent
9225 Mira Mesa Blvd #208d - San Diego, CA 92126 - (858) 271-8928 - View Map - Rod Thelen - State Farm Insurance Agent
110 W A St #775 - San Diego, CA 92101 - (619) 234-4882 - View Map - Farmers Insurance: James Calafata
4325 Cass St - San Diego, CA 92109 - (858) 483-7171 - View Map
Choosing the best car insurance agent should depend on more than just a cheap price. A good agent in San Diego will have answers to these questions.
- Are they properly licensed to sell insurance in California?
- Does the agency have a current Errors and Omissions policy?
- Does the company allow you to choose your own collision repair facility?
- Does the company have a solid financial rating?
- Do they have any clout with companies to ensure a fair claim settlement?
- Which companies can they place coverage with?
You can find cheap coverage
As you quote San Diego auto insurance, it's very important that you do not buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.
We just showed you a lot of techniques to save on Nissan Frontier insurance in San Diego. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates are with a small local company.
More affordable car insurance in San Diego can be bought online as well as from independent agents in San Diego, and you should compare price quotes from both to have the best selection. Some car insurance companies don't offer online rate quotes and many times these smaller companies work with independent agencies.
More detailed car insurance information is located at these sites:
- Alcohol Impaired Driving FAQ (iihs.org)
- How Much are Car Insurance Rates for a Toyota Camry in San Diego? (FAQ)
- Who Has Affordable Auto Insurance for a 20 Year Old Female in San Diego? (FAQ)
- What Insurance is Cheapest for Electric Cars in San Diego? (FAQ)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Drunk Driving Statistics (Insurance Information Institute)