Compare Nissan Frontier Insurance Quotes in Santa Ana

  1. Home
    2. >
  2. Santa Ana Auto Insurance
    3. >
  3. Nissan Frontier

Nissan Frontier insurance policy
Nissan Frontier insurance policy image courtesy of QuoteInspector.com

Discount Nissan Frontier insuranceIf you want to save money, the best way to save on Nissan Frontier insurance in Santa Ana is to start doing an annual price comparison from providers who sell insurance in California. You can shop around by completing these steps.

  1. Spend some time learning about coverages and the changes you can make to prevent rate increases. Many risk factors that result in higher rates such as accidents, careless driving, and an unfavorable credit rating can be eliminated by improving your driving habits or financial responsibility. Continue reading for information to prevent rate hikes and get bigger discounts that may have been overlooked.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while independent agencies can provide prices for a wide range of companies. Compare rates
  3. Compare the new rates to your existing rates and determine if there is any savings. If you can save money and buy the policy, make sure there is no coverage gap between policies.
  4. Notify your agent or company to cancel your existing policy and submit the application along with any required down payment to your new carrier. Once coverage is bound, place your new certificate verifying coverage somewhere easily accessible.

The key aspect of shopping around is to make sure you enter the same physical damage deductibles and liability limits on each quote request and and to get rate quotes from as many different companies as possible. Doing this guarantees a level playing field and the best price quote selection.

A recent study showed that about 70% of customers have purchased from the same company for over three years, and just under half have never quoted car insurance rates at all. Many consumers in the U.S. can cut their rates by up to $850 a year, but they don't want to take the time to find affordable rates by getting comparison quotes.

If you are already insured or need new coverage, you can follow these tips to buy cheaper auto insurance without reducing coverage. Locating the lowest-priced auto insurance in Santa Ana is not as hard as you think. Consumers only have to learn the best way to compare rate quotes instantly.

All major insurance companies make it easy to get coverage prices on their websites. Getting Nissan Frontier insurance prices online is fairly straightforward as you simply enter your coverage preferences into the quote form. After the form is submitted, their quoting system sends out for your driving record and credit report and provides a quote.

This helps simplify price comparisons, and it's also necessary to compare as many rates as possible in order to find affordable rates.

To get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you duplicate deductibles and limits identical to your current policy. Doing this guarantees you're receiving a rate comparison based on identical coverages.

The providers in the list below are ready to provide price comparisons in Santa Ana, CA. If multiple companies are shown, we suggest you compare several of them to find the most competitive auto insurance rates.

Three main reasons to buy car insurance

Despite the high cost, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Nissan Frontier, almost every bank will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Nissan for a lot more money and require you to pay the higher price.

Third, car insurance protects not only your car but also your assets. It will also pay for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of insuring your Frontier definitely exceed the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays more than $820 a year so it's very important to do a rate comparison every year to make sure the price is not too high.

Coverage information

The rate information below highlights detailed analysis of insurance rates for Nissan Frontier models. Having a better idea how policy rates are formulated can help guide drivers when making decisions on which coverage to buy.

Nissan Frontier Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $200 $374 $564 $34 $168 $1,340 $112
Frontier SE King Cab 2WD $234 $374 $564 $34 $168 $1,374 $115
Frontier SE Crew Cab 2WD $234 $454 $564 $34 $168 $1,454 $121
Frontier Pro-4X King Cab 2WD $270 $454 $564 $34 $168 $1,490 $124
Frontier LE King Cab 2WD $270 $454 $564 $34 $168 $1,490 $124
Frontier SE King Cab 4WD $270 $374 $450 $26 $134 $1,254 $105
Frontier Pro-4X Crew Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
Frontier LE Crew Cab 2WD $270 $536 $564 $34 $168 $1,572 $131
Frontier SE Crew Cab 4WD $270 $454 $450 $26 $134 $1,334 $111
Frontier LE King Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Frontier Pro-4X King Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Frontier Pro-4X Crew Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Frontier LE Crew Cab 4WD $304 $454 $450 $26 $134 $1,368 $114
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in vehicle garaging location which can influence auto insurance rates greatly.

The chart below illustrates how your deductible choice and can influence Nissan Frontier insurance prices for each different age category. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Take policy discounts and save on Nissan Frontier insurance in Santa Ana

Buying car insurance is not cheap, but there are discounts available that can dramatically reduce your bill. Some discounts will apply when you quote, but a few must be specially asked for prior to getting the savings.Discount car insurance

  • Drive Safe and Save - Safe drivers can save up to 40% or more on their Santa Ana auto insurance quote than less cautious drivers.
  • Discount for New Cars - Adding a new car to your policy can get you a discount compared to insuring an older model.
  • Student Discounts - Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • No Claim Discounts - Insureds with no claims or accidents can earn big discounts when compared to accident-prone drivers.
  • Anti-lock Brakes - Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more on Frontier insurance in Santa Ana.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.
  • Santa Ana Homeowners Pay Less - Simply owning a home may trigger a policy discount on car insurance since home ownership requires personal responsibility.
  • Military Deployment Discount - Having an actively deployed family member could be rewarded with lower rates.

Policy discounts save money, but most discount credits are not given to the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. So even though you would think you can get free auto insurance, it's just not the way it works.

The chart below shows the difference between Nissan Frontier insurance prices with and without discounts being applied to the rates. The rates are based on a female driver, no driving violations, no at-fault accidents, California 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 multi-policy, claim-free, marriage, multi-car, safe-driver, and homeowner discounts applied.

If you would like to choose from a list of insurance companies that offer discounts in Santa Ana, follow this link.

Buying auto insurance from Santa Ana car insurance agents

A lot of people prefer to buy from a local agent and that can be a smart move Professional agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is you can get the lowest rates but still work with a licensed agent. And providing support for local insurance agencies is important especially in Santa Ana.

Find insurance agent in Santa AnaBy using this simple form, your insurance data is instantly submitted to participating agents in Santa Ana who will give competitive quotes for your business. You won't need to find an agent as quotes are delivered to you. If you need to get a price quote from a specific auto insurance provider, you would need to navigate to their website and fill out the quote form the provide.

If you're trying to find a reliable insurance agency, you must know there are a couple different types of agents to choose from. Santa Ana agents can be classified as either independent or exclusive. Both can write auto insurance policies, but it's important to know the subtle differences because it can influence the kind of agent you use.

Independent Auto Insurance Agents

Agents of this type often have many company appointments and that is an advantage because they can write policies through many different auto insurance companies and potentially find a lower price. If they quote lower rates, the business is moved internally without you having to go to a different agency.

If you are comparing auto insurance prices, you absolutely need to get quotes from a few independent agents to get the best comparison. They also have the ability to place coverage with less well-known companies which may provide better rates.

Listed below is a list of independent insurance agents in Santa Ana who may be able to give you competitive price quotes.

View more agents

Exclusive Agencies

Agents in the exclusive channel can only quote rates from one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide other company's prices so they have no alternatives for high prices. Exclusive agents are highly trained on their company's products and that enables them to sell even at higher rates. Some consumers prefer to use the same agent partially due to the prominence of the brand rather than having the cheapest rates.

Shown below is a short list of exclusive agents in Santa Ana willing to provide price quotes.

View more agents

Picking the best auto insurance agent requires more thought than just a cheap price quote. These are valid questions to ask:

  • Will you work with the agent or an assistant?
  • What company holds the largest book of business for them?
  • Is the agency involved in supporting local community causes?
  • How much experience to they have in personal lines coverages?
  • Does the quote include credit and driving reports?

Compare but don't skimp

While you're price shopping online, never reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

You just learned a lot of ways to find cheaper Nissan Frontier insurance in Santa Ana. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the best price on auto insurance is with an unexpected company.

People change insurance companies for many reasons like extreme rates for teen drivers, being labeled a high risk driver, high rates after DUI convictions and even policy non-renewal. It doesn't matter what your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

For more information, link through to the resources below: