Are you researching more affordable Nissan Frontier insurance in Tucson? Finding better insurance prices for a Nissan Frontier in Arizona can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to find auto insurance online and we’ll show you the best way to get price quotes for a new or used Nissan and get the cheapest rates.
You need to quote other rates quite often since insurance prices tend to go up over time. Even if you got the best rate on Nissan Frontier insurance in Tucson six months ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to use online quotes to find great coverage at a great price.
Finding cheaper Nissan Frontier car insurance rates is pretty simple and can save money. Consumers just need to invest a little time to compare rates from different insurance companies.
The car insurance companies shown below provide free rate quotes in Tucson, AZ. To buy the best auto insurance in AZ, we suggest you compare several of them to get the most competitive price.
Cheaper Tucson car insurance quotes with discounts
Some providers don’t always list every possible discount very clearly, so we took the time to find both well-publicized in addition to some of the lesser obvious ways to save on car insurance.
- Mature Driver Discount – Older drivers may receive lower premium rates.
- Employee of Federal Government – Active or retired federal employment may reduce rates when you quote Tucson auto insurance with select insurance companies.
- Savings for New Vehicles – Insuring a new Frontier can save you some money because new vehicles are generally safer.
- Discount for Home Ownership – Being a homeowner can save a few bucks because maintaining a house requires a higher level of personal finance.
- Professional Organizations – Joining qualifying clubs or civic groups is a good way to get lower rates on your policy.
A little note about advertised discounts, most discounts do not apply to the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.
The illustration below shows the comparison of Nissan Frontier premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.
Some of the larger companies that may offer policyholders most of the discounts above possibly include:
Before purchasing a policy, check with all the companies which discounts can lower your rates. Some discounts listed above might not be available to policyholders in Tucson. To locate insurers that have a full spectrum of discounts in Arizona, click this link.
Insurance rate breakdown
The price information displayed below outlines detailed analysis of insurance premium costs for Nissan Frontier models. Understanding more about how auto insurance prices are formulated can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $148 | $314 | $394 | $24 | $118 | $998 | $83 |
| Frontier SE King Cab 2WD | $174 | $314 | $394 | $24 | $118 | $1,024 | $85 |
| Frontier SE Crew Cab 2WD | $174 | $382 | $394 | $24 | $118 | $1,092 | $91 |
| Frontier Pro-4X King Cab 2WD | $200 | $382 | $394 | $24 | $118 | $1,118 | $93 |
| Frontier LE King Cab 2WD | $200 | $382 | $394 | $24 | $118 | $1,118 | $93 |
| Frontier SE King Cab 4WD | $200 | $314 | $314 | $18 | $94 | $940 | $78 |
| Frontier Pro-4X Crew Cab 2WD | $200 | $450 | $394 | $24 | $118 | $1,186 | $99 |
| Frontier LE Crew Cab 2WD | $200 | $450 | $394 | $24 | $118 | $1,186 | $99 |
| Frontier SE Crew Cab 4WD | $200 | $382 | $314 | $18 | $94 | $1,008 | $84 |
| Frontier LE King Cab 4WD | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Frontier Pro-4X King Cab 4WD | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Frontier Pro-4X Crew Cab 4WD | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Frontier LE Crew Cab 4WD | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can modify prices greatly.
Physical damage deductibles: Should you raise them?
One common question asked by Tucson drivers is at what level do you set your deductibles. The tables below outline the rate fluctuation when you choose different physical damage coverage deductibles. The first pricing table uses a $250 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $172 | $320 | $374 | $22 | $112 | $1,025 | $85 |
| Frontier SE King Cab 2WD | $202 | $320 | $374 | $22 | $112 | $1,055 | $88 |
| Frontier SE Crew Cab 2WD | $202 | $390 | $374 | $22 | $112 | $1,125 | $94 |
| Frontier Pro-4X King Cab 2WD | $232 | $390 | $374 | $22 | $112 | $1,155 | $96 |
| Frontier LE King Cab 2WD | $232 | $390 | $374 | $22 | $112 | $1,155 | $96 |
| Frontier SE King Cab 4WD | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Frontier Pro-4X Crew Cab 2WD | $232 | $460 | $374 | $22 | $112 | $1,225 | $102 |
| Frontier LE Crew Cab 2WD | $232 | $460 | $374 | $22 | $112 | $1,225 | $102 |
| Frontier SE Crew Cab 4WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Frontier LE King Cab 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Frontier Pro-4X King Cab 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Frontier Pro-4X Crew Cab 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Frontier LE Crew Cab 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $140 | $258 | $374 | $22 | $112 | $906 | $76 |
| Frontier SE King Cab 2WD | $164 | $258 | $374 | $22 | $112 | $930 | $78 |
| Frontier SE Crew Cab 2WD | $164 | $314 | $374 | $22 | $112 | $986 | $82 |
| Frontier Pro-4X King Cab 2WD | $188 | $314 | $374 | $22 | $112 | $1,010 | $84 |
| Frontier LE King Cab 2WD | $188 | $314 | $374 | $22 | $112 | $1,010 | $84 |
| Frontier SE King Cab 4WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Frontier Pro-4X Crew Cab 2WD | $188 | $370 | $374 | $22 | $112 | $1,066 | $89 |
| Frontier LE Crew Cab 2WD | $188 | $370 | $374 | $22 | $112 | $1,066 | $89 |
| Frontier SE Crew Cab 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Frontier LE King Cab 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Frontier Pro-4X King Cab 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Frontier Pro-4X Crew Cab 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Frontier LE Crew Cab 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price information does not factor in garaging location in Tucson which can decrease or increase rates noticeably.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $12 more each month or $144 every year than opting for the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claim filings, you would probably come out ahead if you choose the higher deductible.
The illustration below illustrates how your choice of deductibles and can raise or lower Nissan Frontier insurance costs for each different age category. The data is based on a single male driver, full coverage, and no discounts are applied to the premium.
Does full coverage make sense?
The illustration below compares Nissan Frontier car insurance rates with full coverage compared to only the Arizona minimum liability coverage. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no additional discounts are factored in.
When to drop comp and collision
There is no definitive rule for excluding physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Nissan Frontier replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after the policy deductible has been paid. If premium cost is more than $500 a year for your policy with full coverage, then you might consider buying liability only.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
What Determines Nissan Frontier Insurance Premiums?
Lots of factors are taken into consideration when quoting car insurance. Some of the criteria are obvious like an MVR report, although others are less apparent like your vehicle usage or how financially stable you are. The best way to find cheaper auto insurance is to take a look at some of the factors that play a part in calculating auto insurance rates. If you have some idea of what determines base rates, this empowers consumers to make smart changes that could help you find lower auto insurance prices.
Your spouse saves you money – Having a significant other can get you a discount on your policy. Having a spouse translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.
Teenagers are high risk – Older, more experienced drivers are more cautious drivers, tend to file fewer claims, and are generally more financially stable. Drivers with little experience have a tendency to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.
The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Cheaper to insure women? – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean males are worse at driving than females. Females and males are responsible for auto accidents in similar percentages, but the male of the species tend to have higher claims. In addition to higher claims, males also get cited for more serious violations such as reckless driving.
The diagram below visualizes the comparison of Nissan Frontier car insurance rates for male and female drivers. Data assumes no violations or accidents, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.
High physical damage deductibles equal low rates – Deductibles for physical damage state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims are colliding with a stationary object, damage from fire, and damage caused by road hazards. The more of the claim you’re willing to pay, the less your auto insurance will be.
Better prices on cars with good safety ratings – Safe vehicles can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums.
Insurance loss data for Nissan Frontier vehicles – Companies take into consideration insurance loss statistics for every vehicle when setting rates for each model. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have higher rates. The next table shows the actual insurance loss data for Nissan Frontier vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, is represented as 100. Numbers under 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or an increased probability of a larger loss.
| Vehicle Make and 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
When to contact an insurance agent
A lot of people still like to buy from a local agent and there is nothing wrong with that. Most agents will help you protect your assets and help submit paperwork. The biggest benefit of comparing insurance online is that you can find the best rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, the coverage information is immediately sent to insurance agents in Tucson that can provide free Tucson auto insurance quotes for your insurance coverage. You never need to drive around since price quotes are sent directly to you. If you have a need to get a price quote from a specific insurance company, just visit that company’s website and fill out their quote form.
Picking the best insurer is decision based upon more than just a cheap price. Here are some questions you should ask.
- If you raise deductibles, how much can you save?
- Can glass repairs be made at your home?
- Do they regularly work with personal auto policies in Tucson?
- Do they have a Better Business Bureau rating in Tucson?
- Is assistance available after office hours?
- Does the agent have a valid license to sell insurance in Arizona?
Different types of auto insurance agents in Tucson
If you prefer to buy insurance from a reliable insurance agency, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Insurance agencies can be classified as either independent or exclusive depending on the company they work for. Either one can insure your vehicles, but it’s worth mentioning the differences because it can impact the kind of agent you use.
Exclusive Insurance Agents
These agents can only provide one company’s prices and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents partially due to the brand instead of buying on price only.
Below are exclusive insurance agencies in Tucson that are able to give comparison quotes.
- Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222 – View Map - Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676 – View Map - Annie Frits – State Farm Insurance Agent
3320 N Country Club Rd #210 – Tucson, AZ 85716 – (520) 777-7499 – View Map
Independent Insurance Agencies
These agents are not employed by one company so they have the ability to put coverage with a variety of different insurance companies depending on which coverage is best. If they find a lower price, an independent agent can move your coverage and the insured can keep the same agent.
If you are comparing rate quotes, we highly recommend that you include rate quotes from several independent agencies to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers who may have lower rates.
Listed below is a short list of independent insurance agents in Tucson that can give you rate quotes.
- RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map - Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map - DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
A conclusion for your insurance search
When searching for inexpensive Tucson auto insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability limits or collision coverage and learned later they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.
You just learned many ways to shop for Nissan Frontier insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates are with a small local company.
Cost effective Nissan Frontier insurance is definitely available both online and also from your neighborhood Tucson agents, so you need to shop Tucson auto insurance with both to have the best selection. A few companies may not provide rate quotes online and usually these small, regional companies sell through local independent agencies.
Steps to finding cheaper Nissan Frontier insurance in Tucson
If you want to save the most money, the best way to find better pricing on Nissan Frontier insurance is to compare prices regularly from insurance carriers in Tucson.
- Read about coverages and the measures you can control to keep rates down. Many policy risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies. View insurance agents
- Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company of your intention to cancel your current policy and submit a down payment and signed policy application to your new company or agent. Immediately upon receiving it, put the new certificate of insurance in your vehicle.
The key thing to remember is to try to use similar coverage information on each quote and and to get rate quotes from every insurance company. Doing this provides a fair rate comparison and a complete price analysis.
For more information, feel free to visit the articles below:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for College Graduates in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates After a Speeding Ticket? (FAQ)
- Who Has Affordable Car Insurance Quotes for Inexperienced Drivers in Tucson? (FAQ)
- How Much is Auto Insurance for Drivers with a DUI in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Tucson? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Tucson? (FAQ)
- What is a Telematics Device? (Allstate)
- Teen Driving Statistics (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- Child Safety FAQ (iihs.org)