How to Save on Nissan Frontier Insurance in Miami

Amazingly, a recent NerdWallet.com study showed that the vast majority of drivers kept buying from the same company for well over three years, and nearly half have never compared auto insurance rates at all. Miami drivers could save themselves approximately 55% a year just by shopping around, but most undervalue how much money they would save if they switched to a more affordable policy.

The best way we recommend to find discount car insurance rates is to begin comparing prices regularly from insurers in Miami. Prices can be compared by following these steps.

First, read about how insurance companies determine prices and the changes you can make to prevent rate increases. Many policy risk factors that drive up the price like inattentive driving and bad credit can be improved by making lifestyle changes or driving safer.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.

Third, compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, notify your agent or company of your decision to cancel your existing policy. Submit any necessary down payment along with the completed application to your new company or agent. Don’t forget to place your new proof of insurance certificate somewhere easily accessible.

An important part of this process is that you’ll want to make sure you compare identical limits and deductibles on every quote request and and to compare all possible companies. This provides an accurate price comparison and the best price selection.

Finding the cheapest insurance coverage in Miami can be made easier if you know where to look. Basically, every car owner who shops for insurance most likely will get a lower-priced policy. But Florida vehicle owners do need to know how insurance companies charge you for coverage because it can help you find the best coverage.

Best Nissan Frontier insurance rate quotes in Florida

The companies in the list below have been selected to offer price comparisons in Florida. To get the cheapest auto insurance in FL, it’s highly recommended you compare several of them in order to get a fair rate comparison.

Insurance coverage analysis

The information shown below outlines estimates of insurance prices for Nissan Frontier models. Being aware of how insurance quotes are determined can help you make smart choices when purchasing an auto insurance policy.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Prices do not factor in Miami location which can revise rates considerably.

Policy deductible comparison

One common question asked by Miami drivers is how high should your deductibles be. The comparison tables below summarize how much more rates are when you buy lower versus higher deductibles. The first rate table uses a $100 deductible and the second data table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific zip code location which can revise auto insurance rates greatly.

Based on these figures, using a $100 deductible could cost the average driver approximately $41 more each month or $492 for a full year than quoting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 22 months between claim filings, you would save more money if you choose the higher deductible.

One important note is that higher deductibles means you will have to pay more of your own money when you have a comprehensive or collision claim. You need some available funds in the event you need to pay more for the deductible.

Drive safe and save

The information below illustrates how violations and fender-benders raise Nissan Frontier car insurance rates for different ages of insureds. The data is based on a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Nissan Frontier full coverage rates compared to liability only

The information below visualizes the comparison of Nissan Frontier insurance rates with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving violations, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Should you pay for full coverage?

There is no clear-cut formula of when to drop full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your Nissan Frontier replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $5,000 after the deductible is paid. If you are paying over $500 a year for full coverage, then you might consider buying liability only.

There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Miami insurance discounts

Companies that sell car insurance do not advertise every discount available in a way that’s easy to find, so the next list breaks down some of the best known and the more hidden insurance savings.

• Payment Method – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
• First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
• Safety Course Discount – Taking time to complete a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
• Drive Safe and Save – Accident-free drivers could pay up to 40% less than drivers with accidents.
• Save over 55 – If you’re over the age of 55, you can possibly qualify for better insurance rates.
• Smart Student Discounts – Being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.
• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one company you could get a discount of 10% to 20% off each policy.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts could see savings of 20 to 30 percent.

Discounts lower rates, but most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

The diagram below visualizes the comparison of Nissan Frontier car insurance rates with and without discounts applied to the policy premium. Data assumes a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-policy, and multi-car discounts applied.

Large insurance companies and some of the discounts are:

• State Farm offers discounts including good driver, Steer Clear safe driver discount, defensive driving training, accident-free, multiple autos, Drive Safe & Save, and multiple policy.
• Progressive offers premium reductions for continuous coverage, homeowner, multi-vehicle, good student, online signing, and online quote discount.
• Progressive may include discounts for homeowner, online signing, continuous coverage, multi-policy, and multi-vehicle.
• MetLife discounts include claim-free, accident-free, good student, multi-policy, and defensive driver.
• Farm Bureau policyholders can earn discounts including safe driver, 55 and retired, renewal discount, youthful driver, driver training, multi-vehicle, and multi-policy.
• GEICO may have discounts that include seat belt use, emergency military deployment, good student, military active duty, anti-lock brakes, and membership and employees.
• SAFECO offers discounts for homeowner, teen safe driver, drive less, safe driver, teen safety rewards, and multi-car.

It’s a good idea to ask each insurance company which credits you are entitled to. Savings may not apply to policies in Miami. To choose companies with the best Nissan Frontier insurance discounts in Miami, follow this link.

Can’t I compare prices from local Miami car insurance agents?

Some consumers just prefer to get advice from a local agent and that is a personal choice. An additional benefit of getting online price quotes is that you can obtain cheaper rates but also keep your business local.

Upon completion of this form (opens in new window), your coverage information is transmitted to agents in your area that give free quotes for your insurance coverage. It makes it easy because there is no need to even leave your home because prices are sent to you directly. You can most likely find cheaper rates and work with a local agent. If you have a need to quote rates from a particular provider, feel free to search and find their rate quote page and complete a quote there.

Selecting an provider should depend on more than just the bottom line cost. A good agent in Miami will have answers to these questions.

• What company do they have the most business with?
• Does the company have a solid financial rating?
• Are claim adjusters local or do you have to take your car somewhere else?
• Do they get extra compensation for selling add-on coverages?
• Do you need full coverage on every vehicle?

Shown below is a short list of insurers in Miami that may be able to provide price quotes for Nissan Frontier insurance in Miami.

• Globalgreen Insurance Agency
  6840 Bird Rd – Miami, FL 33155 – (305) 677-8022 – View Map
• Gus Figueredo – State Farm Insurance Agent
  7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440 – View Map
• Del Toro Insurance
  3819 NW 7th St – Miami, FL 33126 – (305) 335-8676 – View Map
• Miami International Insurance Agency
  2200 SW 16th St, Suite 212 – Miami, FL 33145 – (305) 856-3333 – View Map

More insurance agents

Once you have received answers to your satisfaction to all your questions and a good coverage price, you have narrowed it down to an insurer that meets your needs to service your policy. But keep in mind you have the power to cancel a policy at any point so don’t feel you’re contractually obligated to a specific agent for the full policy term.

Learn about auto insurance coverages for a Nissan Frontier

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Frontier.

Due to the fact that many Florida drivers only purchase the least amount of liability that is required (which is 10/20/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses like nursing services, dental work, doctor visits and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, damage from flooding and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage covers damage to your Frontier from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible on your Frontier in order to get cheaper collision rates.

Liability car insurance – Liability coverage will cover injuries or damage you cause to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 10/20/10 which means a $10,000 limit per person for injuries, $20,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability can pay for things like legal defense fees, bail bonds, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Florida state minimum liability requirements are 10/20/10 but you should think about purchasing more liability than the minimum.

The chart below shows why minimum state limits may not be adequate.

Get the best coverage at the lowest price

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, denial of a claim and unfair underwriting practices. Whatever your reason, finding a new company can be pretty painless.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

There are still a few companies who do not provide rates over the internet and many times these small insurance companies only sell through independent agencies. Cheaper Nissan Frontier insurance in Miami can be bought on the web and also from your neighborhood Miami agents, so you need to compare both in order to have the best chance of saving money.

Additional insurance information is available on the following sites:

• Vehicle Safety Ratings (iihs.org)
• What Insurance is Cheapest for Used Cars in Miami? (FAQ)
• How Much are Car Insurance Rates for a Subaru Outback in Miami? (FAQ)
• Who Has Cheap Miami Auto Insurance Quotes for 4×4 Vehicles? (FAQ)
• What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Miami? (FAQ)
• Who Has Affordable Miami Auto Insurance Rates for a Nissan Sentra? (FAQ)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)