Have you had enough of being strong-armed to make your car insurance payment? You're in the same situation as the majority of other people in Colorado.
Shocking but true, over 70% of drivers have purchased from the same company for at least the last four years, and about 40% of consumers have never quoted car insurance rates at all. The average driver in Aurora can save hundreds of dollars each year, but they just assume it takes a lot of time to find affordable insurance by shopping around.
Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute lowest price on Nissan Frontier insurance in Aurora.
Affordable Aurora auto insurance rates with discounts
Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts to cut the cost considerably. A few discounts will be applied at quote time, but once in a while a discount must be asked about before you get the savings. If you check and find you aren't receiving every discount available, you are paying more than you should be.
- Payment Method - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- Employee of Federal Government - Active or former government employment can earn a discount up to 10% but check with your company.
- ABS Braking Discount - Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and will save you 10% or more on Frontier insurance in Aurora.
- Low Mileage - Driving less may allow you to get slightly better premium rates than normal.
- Theft Deterrent - Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a Aurora auto insurance quote.
You can save money using discounts, but most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
For a list of auto insurance companies that offer the discounts shown above in Aurora, click this link.
The fastest way that we advise to get policy rate comparisons for Nissan Frontier insurance in Aurora takes advantage of the fact most of the larger companies participate in a system to compare rate quotes. The one thing you need to do is provide a little information including types of safety features, your general credit rating, daily mileage, and if a SR-22 is required. That rating data is then sent to all major companies and you will receive price estimates almost instantly.
To start a rate quote now, click here and enter the information requested.
The companies in the list below have been selected to offer price quotes in Colorado. If multiple companies are listed, we suggest you get rates from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Frontier XE King Cab 2WD||$128||$258||$422||$24||$126||$958||$80|
|Frontier SE King Cab 2WD||$166||$298||$462||$28||$138||$1,092||$91|
|Frontier SE Crew Cab 2WD||$226||$562||$496||$30||$148||$1,462||$122|
|Frontier Pro-4X King Cab 2WD||$260||$562||$496||$30||$148||$1,496||$125|
|Frontier LE King Cab 2WD||$260||$516||$570||$34||$170||$1,550||$129|
|Frontier SE King Cab 4WD||$172||$258||$338||$20||$100||$888||$74|
|Frontier Pro-4X Crew Cab 2WD||$236||$546||$422||$24||$126||$1,354||$113|
|Frontier LE Crew Cab 2WD||$164||$390||$532||$32||$160||$1,278||$107|
|Frontier SE Crew Cab 4WD||$190||$380||$396||$24||$118||$1,108||$92|
|Frontier LE King Cab 4WD||$216||$288||$460||$28||$138||$1,130||$94|
|Frontier Pro-4X King Cab 4WD||$190||$288||$352||$20||$106||$956||$80|
|Frontier Pro-4X Crew Cab 4WD||$238||$388||$338||$20||$100||$1,084||$90|
|Frontier LE Crew Cab 4WD||$328||$616||$456||$28||$136||$1,564||$130|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can change auto insurance rates substantially.
Impact of speeding/accidents on Aurora auto insurance rates
The example below illustrates how traffic citations and at-fault accidents influence Nissan Frontier insurance costs for different age categories. Data assumes a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
Does full coverage make sense?
The diagram below shows the comparison of Nissan Frontier auto insurance costs with full coverage compared to only the Colorado minimum liability coverage. The rate quotes are based on a clean driving record, no claims, $100 deductibles, married male driver, and no discounts are applied to the premium.
Should you pay for full coverage or liability only?
There is no exact rule for phasing out physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's assume your Nissan Frontier claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your deductible. If you are paying more than $200 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.
There are a few cases where removing full coverage is not advised. If you haven't paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
How high should deductibles be?
The information below highlights how deductible selection and can impact Nissan Frontier premium costs for different age groups of insureds. The data is based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Find Lower-cost Insurance with These Tips
Part of the insurance buying process is learning the factors that play a part in calculating the level of your policy premiums. If you have some idea of what determines base rates, this helps enable you to make changes that may result in better insurance rates.
The itemized list below are most of the major factors used by your company to calculate your rate level.
Save by driving less - The higher the mileage driven in a year the higher your rates will be. Almost all companies calculate rates partially by how you use the vehicle. Autos that do not get driven very much can be on a lower rate level than cars that get driven a lot. An improperly rated Frontier can cost quite a bit. It's a good idea to make sure your policy correctly shows the correct usage.
Insurance rates for married couples - Being married may cut your premiums on insurance. Marriage means you're more mature and responsible and statistics prove married drivers tend to file fewer claims.
How much liability insurance do you need? - The liability section of your policy kicks in if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. It is affordable coverage when compared with rates for comp and collision, so do not cut corners here.
Save money with good credit - Having a bad credit score will be a significant factor in determining what you pay. If your credit history could use some work, you could be paying less to insure your Nissan Frontier by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower ratings.
Insurance loss probability for a Nissan Frontier - Companies analyze the history of losses when setting premium rates. Vehicles that the data determines to have a higher amount or frequency of claims will have a higher cost to insure.
The table below illustrates the historical insurance loss data for Nissan Frontier vehicles. For each coverage type, the claim probability for all vehicles compiled together equals 100. Percentage values below 100 represent a good loss history, while percentage numbers above 100 point to more claims or statistically larger claims.
Insurance Loss Ratings for Nissan Frontier Vehicles
|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
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Buying insurance from Aurora insurance agencies
A lot of people would rather get advice from a local agent and that is not a bad decision The biggest benefit of comparing rate quotes online is the fact that you can find better rates but still work with a licensed agent.
Upon completion of this simple form, the quote information is sent to agents in your area who will give you quotes and help you find cheaper coverage. There is no need to leave your house due to the fact that quote results will go to your email. You can find better rates AND an agent nearby. If you want to get a comparison quote from a specific insurance company, you just need to jump over to their website to submit a rate quote request.
Picking an company requires you to look at more than just the premium amount. Any good agent in Aurora should know the answers to these questions.
- Is the agency involved in supporting local community causes?
- How would your car be valued if totalled?
- Do they get extra compensation for selling add-on coverages?
- How often do they review coverages?
- Are they full-time agents?
If you would like to find a good insurance agency, there are a couple of types of agencies and how they differ in how they can insure your vehicles. Insurance agents can either be exclusive or independent (non-exclusive).
Agents of this type can only write with one company like State Farm, Allstate, and Farm Bureau. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable in insurance sales which helps them sell on service rather than price.
Below are Aurora exclusive agents who can help you get comparison quotes.
Independent Agencies or Brokers
Agents that elect to be independent are not restricted to one company and that enables them to quote your coverage with lots of companies and find the cheapest insurance rates. If your agent finds better pricing, an independent agent can move your coverage and you don't have to switch agencies.
If you are comparing rate quotes, you will want to get some free quotes from at a minimum one independent agency in order to have the best price comparison.
Shown below is a list of independent agents in Aurora that are able to give rate quotes.
BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map
Once you have received good feedback to these questions and an affordable coverage quote, it's possible that you found a car insurance agent that will insure your vehicles. Keep in mind you can cancel your policy when you choose so never assume you're contractually obligated to your new company indefinitely.
Why you need insurance
Despite the high insurance cost for a Nissan Frontier in Aurora, insurance serves an important purpose.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability protection if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Frontier, most banks will force you to have comprehensive coverage to guarantee loan repayment. If coverage lapses or is cancelled, the lender will be forced to insure your Nissan at a significantly higher premium and force you to pay for the expensive policy.
- Insurance preserves not only your Nissan but also your financial assets. Insurance will also pay for all forms of medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in America is overpaying over $850 per year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
A little work can save a LOT of money
As you prepare to switch companies, do not buy less coverage just to save a little money. In too many instances, someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The goal is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
In this article, we presented some good ideas how you can save on Nissan Frontier insurance in Aurora. It's most important to understand that the more you quote Aurora auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with a lesser-known regional company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.
Much more information about insurance in Colorado can be found on the following sites:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for 17 Year Olds in Colorado? (FAQ)
- What is the Cheapest Auto Insurance in Lakewood, Colorado? (FAQ)
- How Much are Colorado Auto Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- Who Has Affordable Auto Insurance for Low Mileage Drivers in Colorado? (FAQ)
- What is the Best Cheap Auto Insurance in Highlands Ranch, Colorado? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)
- Winter Driving (Insurance Information Institute)