Cutting costs on Nissan Frontier insurance in Atlanta is kind of frustrating for drivers who are new to online price comparisons. With such a big selection of agents and companies competing online, it can quickly become a difficult challenge to find a more affordable company.
Unbelievable but true, about 70% of customers kept buying from the same company for at least four years, and nearly half have never compared rates from other carriers. Consumers in Atlanta can save hundreds of dollars each year by just comparing quotes, but they feel it’s too difficult to find cheap insurance by shopping around.
If you currently have car insurance, you will be able to shop for the lowest rates using the ideas presented in this article. Comparing quotes for cheaper car insurance in Atlanta can be fairly easy. But Georgia drivers must comprehend how companies market insurance on the web because it varies considerably.
Earn discounts on Atlanta insurance
Some providers do not list every discount very well, so the list below details a few of the more well known as well as the least known discounts you could be receiving when you buy Atlanta auto insurance online. If you do not check that you are getting every discount available, you are throwing money away.
- Driver’s Education for Students – Require your teen driver to successfully take a driver’s education course in school or through a local driver safety program.
- Distant Student – Children living away from Atlanta attending college without a vehicle on campus can receive lower rates.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
- ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and will save you 10% or more on Frontier insurance in Atlanta.
- Homeowners Savings – Owning a home in Atlanta can help you save on insurance because of the fact that having a home requires personal responsibility.
- Military Deployment Discount – Having a family member in the military could qualify you for better insurance rates.
You can save money using discounts, but some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.
Popular insurance companies and the discounts they provide are detailed below.
- Progressive offers premium reductions for online signing, online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and homeowner.
- The Hartford has discounts for bundle, defensive driver, air bag, good student, vehicle fuel type, and driver training.
- Mercury Insurance includes discounts for anti-theft, age of vehicle, low natural disaster claims, annual mileage, and multi-car.
- GEICO may have discounts that include defensive driver, emergency military deployment, driver training, daytime running lights, membership and employees, seat belt use, and military active duty.
- AAA discounts include AAA membership discount, multi-policy, good student, multi-car, good driver, anti-theft, and education and occupation.
- State Farm may offer discounts for defensive driving training, accident-free, good driver, passive restraint, student away at school, and driver’s education.
Before you buy a policy, ask all the companies which credits you are entitled to. Some discounts listed above might not be available to policyholders in Atlanta. If you would like to see a list of companies that offer multiple discounts in Atlanta, click here to view.
Keep in mind that comparing more rates from different companies increases your odds of finding a better price. Some regional insurers cannot provide online rate quotes, so it’s important to compare prices from the smaller companies as well.
The following companies provide quotes in Atlanta, GA. If more than one company is shown, it’s highly recommended you visit as many as you can to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $206 | $388 | $506 | $30 | $152 | $1,282 | $107 |
| Frontier SE King Cab 2WD | $186 | $264 | $644 | $38 | $192 | $1,324 | $110 |
| Frontier SE Crew Cab 2WD | $196 | $380 | $506 | $30 | $152 | $1,264 | $105 |
| Frontier Pro-4X King Cab 2WD | $170 | $296 | $506 | $30 | $152 | $1,154 | $96 |
| Frontier LE King Cab 2WD | $332 | $704 | $596 | $36 | $178 | $1,846 | $154 |
| Frontier SE King Cab 4WD | $346 | $420 | $516 | $30 | $154 | $1,466 | $122 |
| Frontier Pro-4X Crew Cab 2WD | $276 | $556 | $506 | $30 | $152 | $1,520 | $127 |
| Frontier LE Crew Cab 2WD | $234 | $500 | $462 | $28 | $138 | $1,362 | $114 |
| Frontier SE Crew Cab 4WD | $162 | $316 | $444 | $26 | $134 | $1,082 | $90 |
| Frontier LE King Cab 4WD | $274 | $476 | $476 | $28 | $142 | $1,396 | $116 |
| Frontier Pro-4X King Cab 4WD | $328 | $600 | $444 | $26 | $134 | $1,532 | $128 |
| Frontier Pro-4X Crew Cab 4WD | $212 | $322 | $394 | $24 | $118 | $1,070 | $89 |
| Frontier LE Crew Cab 4WD | $240 | $404 | $414 | $24 | $124 | $1,206 | $101 |
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can affect price quotes substantially.
Analysis of deductible levels
The illustration below shows how different deductible levels and can affect Nissan Frontier insurance prices for each age group. Data assumes a single male driver, full coverage, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The diagram below examines Nissan Frontier insurance costs with liability coverage only compared to full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, single male driver, and no other discounts are factored in.
Guidelines for eliminating full coverage
There is no clear-cut rule to exclude physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Nissan Frontier claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it’s costing you more than $600 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Car insurance rates based on gender in Atlanta
The chart below compares Nissan Frontier insurance premiums for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, single marital status, and no other discounts are factored in.
Buy Lower-cost Car Insurance with These Tips
Many different elements are used when premium rates are determined. A few of the factors are predictable such as traffic violations, although others are not quite as obvious such as whether you are married or your commute time.
The following are some of the items car insurance companies consider when setting your premiums.
Poor credit decisions can cost you – Credit score is likely to be a major factor in your rate calculation. So if your credit rating can be improved, you could save money insuring your Nissan Frontier by improving your rating. Drivers with excellent credit tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings.
Pay less after the wedding – Having a wife or husband can get you a discount compared to being single. It usually means you are more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
Commute or pleasure use – The more you drive annually the more it will cost to insure it. Many insurance companies calculate prices based on their usage. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. It’s a good idea to make sure your declarations sheet shows the correct driver usage. Incorrect rating for your Frontier can cost quite a bit.
Gender impacts costs – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that women are better drivers. Both sexes cause accidents in similar numbers, but the males cause more damage. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
Lower physical damage deductibles cost more – Insurance for physical damage to your car, also called comprehensive and collision insurance, protects your Nissan from damage. Some examples of claims that would be covered could be a dented fender, damage caused by hail, and having your car stolen. Your deductibles tell how much you are willing to pay before a claim is paid by your company. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance.
See if your company offers a multi-policy discount – Most larger insurers provide discounts to clients who buy several policies from them. It’s known as a multi-policy discount. The discount can be as much as ten percent or more Even though this discount sounds good, it’s still a good idea to shop around to confirm you are receiving the best rates possible.
Allowing your car insurance to lapse raises rates – Letting your insurance expire is a guaranteed way to pay more for car insurance. In addition to paying higher rates, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Georgia motor vehicle department to get your license reinstated.
Loss statistics for a Nissan Frontier – Companies factor in historical loss data when setting rates for each model. Models that are shown to have a higher amount or frequency of claims will cost more for coverage.
The table below shows the historical insurance loss data for Nissan Frontier vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Values under 100 suggest a positive loss record, while values over 100 point to more claims or an increased likelihood of larger losses.
Car Insurance Loss Data for Nissan Frontier Models
| 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Which policy gives me the best coverage?
When it comes to buying adequate coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your insurance should unique, too. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.
- What are the financial responsibility laws in my state?
- Where can I find DUI or SR-22 insurance?
- Do I need an umbrella policy?
- Can I make deliveries for my home business?
- What if a claim settlement is too low?
- When should I buy a commercial auto policy?
- Is my custom paint covered by insurance?
- Am I insured when driving a different vehicle?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Insurance agencies can help
Certain consumers would rather buy from a local agent and that is a personal choice. One of the benefits of comparing rate quotes online is that you can obtain better rates and still choose a local agent. And supporting local agents is important especially in Atlanta.
For easy comparison, once you complete this simple form, your insurance coverage information is submitted to insurance agents in Atlanta who will gladly provide quotes for your insurance coverage. You won’t need to search for an agent since price quotes are sent instantly to you. You can most likely find cheaper rates without requiring a lot of work. If you wish to compare rates from a particular provider, just navigate to their website and submit a quote form there.
Finding the right company needs to be determined by more than just the bottom line cost. Before buying a policy in Atlanta, get answers to these questions.
- Do they offer claims assistance after hours?
- Can they provide you with a list of referrals?
- Where would your vehicle be repaired?
- What insurance companies do they work with in Atlanta?
- How does the company pay claims for a total loss?
- Will they take your side in the event of a claim?
Upon getting good answers to all your questions and a low price estimate, it’s possible that you found an insurance company that meets the criteria to adequately provide insurance. It’s important to know that you are able to cancel a policy whenever you wish so never assume that you are permanently stuck with a specific company with no way out.
Protect your vehicle and other assets
Despite the high cost, buying auto insurance may not be optional for several reasons.
First, almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to license the vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your car, more than likely the lender will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the lender will be forced to insure your Nissan at a more expensive rate and require you to reimburse them a much higher amount than you were paying before.
Third, insurance protects your Nissan Frontier and your assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of having insurance more than cancel out the cost, particularly when you have a large claim. Unknowingly, the average driver is wasting up to $825 a year so you should quote rates at every renewal to ensure rates are inline.
Quote more and you will save more
Some companies may not have online rate quotes and these regional carriers only sell through independent agents. The cheapest Nissan Frontier insurance in Atlanta is available online and from local insurance agents, so compare prices from both to have the best selection.
We covered a lot of information how to lower your Nissan Frontier insurance premium rates in Atlanta. The most important thing to understand is the more you quote Atlanta auto insurance, the better your comparison will be. Consumers may even find the lowest premium rates are with a lesser-known regional company. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
More resources
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a Ford Edge in Atlanta? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford Fusion in Atlanta? (FAQ)
- Who Has Cheap Atlanta Car Insurance Quotes for Seniors? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Under 25 in Atlanta? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)