The preferred way to find more affordable car insurance rates is to compare prices at least once a year from companies that sell auto insurance in Fort Worth. Drivers can shop around by following these guidelines.
- Get a basic knowledge of car insurance and the things you can control to keep rates in check. Many policy risk factors that drive up the price like at-fault accidents, speeding tickets, and a bad credit score can be eliminated by making minor driving habit or lifestyle changes. Continue reading for additional tips to lower rates and find missing discounts.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of companies.
- Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, ensure there is no coverage lapse between policies.
A tip to remember is to make sure you enter identical coverage information on every quote request and and to get price quotes from as many car insurance companies as possible. Doing this enables a fair rate comparison and a complete price analysis.
We don’t have to point out that fact that car insurance companies don’t want you to look for cheaper rates. Consumers who compare rates annually are inclined to buy a new policy because the odds are good of finding discount prices. A recent study showed that people who shopped around annually saved about $860 a year compared to people who never shopped around for better prices.
If finding the best price on auto insurance is the reason for your visit, then having a grasp of the best way to quote and compare coverages can make the process less intimidating.
Comparing quotes for the lowest-priced coverage in Fort Worth is not as confusing as people think. If you have coverage now or are shopping for new coverage, you can use these tips to shop for the lowest rates and still have adequate protection. Shoppers only have to learn the tricks to compare rate quotes online from multiple companies.
Companies offering Nissan Frontier insurance in Texas
The auto insurance companies shown below provide free rate quotes in Fort Worth, TX. If multiple providers are shown, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.
Nissan Frontier insurance rate analysis
The rate information shown next outlines different coverage prices for Nissan Frontier models. Having a better understanding of how car insurance prices are established can help customers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $210 | $476 | $538 | $32 | $162 | $1,418 | $118 |
| Frontier SE King Cab 2WD | $246 | $476 | $538 | $32 | $162 | $1,454 | $121 |
| Frontier SE Crew Cab 2WD | $246 | $580 | $538 | $32 | $162 | $1,558 | $130 |
| Frontier Pro-4X King Cab 2WD | $282 | $580 | $538 | $32 | $162 | $1,594 | $133 |
| Frontier LE King Cab 2WD | $282 | $580 | $538 | $32 | $162 | $1,594 | $133 |
| Frontier SE King Cab 4WD | $282 | $476 | $430 | $26 | $128 | $1,342 | $112 |
| Frontier Pro-4X Crew Cab 2WD | $282 | $684 | $538 | $32 | $162 | $1,698 | $142 |
| Frontier LE Crew Cab 2WD | $282 | $684 | $538 | $32 | $162 | $1,698 | $142 |
| Frontier SE Crew Cab 4WD | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
| Frontier LE King Cab 4WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Frontier Pro-4X King Cab 4WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Frontier Pro-4X Crew Cab 4WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Frontier LE Crew Cab 4WD | $318 | $580 | $430 | $26 | $128 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location which can impact premium rates substantially.
An analysis of deductible level
One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The comparisons below can help show the premium difference between low and high physical damage coverage deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $218 | $408 | $476 | $28 | $142 | $1,297 | $108 |
| Frontier SE King Cab 2WD | $256 | $408 | $476 | $28 | $142 | $1,335 | $111 |
| Frontier SE Crew Cab 2WD | $256 | $496 | $476 | $28 | $142 | $1,423 | $119 |
| Frontier Pro-4X King Cab 2WD | $294 | $496 | $476 | $28 | $142 | $1,461 | $122 |
| Frontier LE King Cab 2WD | $294 | $496 | $476 | $28 | $142 | $1,461 | $122 |
| Frontier SE King Cab 4WD | $294 | $408 | $382 | $22 | $114 | $1,245 | $104 |
| Frontier Pro-4X Crew Cab 2WD | $294 | $584 | $476 | $28 | $142 | $1,549 | $129 |
| Frontier LE Crew Cab 2WD | $294 | $584 | $476 | $28 | $142 | $1,549 | $129 |
| Frontier SE Crew Cab 4WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Frontier LE King Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Frontier Pro-4X King Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Frontier Pro-4X Crew Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Frontier LE Crew Cab 4WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $178 | $328 | $476 | $28 | $142 | $1,152 | $96 |
| Frontier SE King Cab 2WD | $208 | $328 | $476 | $28 | $142 | $1,182 | $99 |
| Frontier SE Crew Cab 2WD | $208 | $400 | $476 | $28 | $142 | $1,254 | $105 |
| Frontier Pro-4X King Cab 2WD | $240 | $400 | $476 | $28 | $142 | $1,286 | $107 |
| Frontier LE King Cab 2WD | $240 | $400 | $476 | $28 | $142 | $1,286 | $107 |
| Frontier SE King Cab 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Frontier Pro-4X Crew Cab 2WD | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Frontier LE Crew Cab 2WD | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Frontier SE Crew Cab 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Frontier LE King Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Frontier Pro-4X King Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Frontier Pro-4X Crew Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Frontier LE Crew Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in specific garaging location which can increase or decrease coverage rates greatly.
Based on these figures, using a $250 deductible could cost the average driver approximately $14 more each month or $168 annually averaged for all Frontier models than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 18 months between claims, you would probably be better off if you opt for a higher deductible.
The Nissan Frontier Insurance Premium Equation
A large part of saving on auto insurance is knowing some of the factors that play a part in calculating your premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get lower premium levels.
Your employer can affect rates – Jobs like lawyers, airline pilots, and financial analysts generally pay the highest rates because of high stress levels and lengthy work days. On the other hand, careers such as scientists, students and retirees receive lower rates.
Incidental coverages can cost a lot – There are a lot of optional add-on coverages that you can buy but may not be useful. Insurance for rental car reimbursement, towing, and extra equipment coverage are examples of these. The coverages may be enticing at first, but your needs may have changed so eliminate them to save money.
Single vs. married – Having a spouse may save some money on your policy. Having a spouse is viewed as being more mature it has been statistically shown that married drivers tend to file fewer claims.
Bump up coverage deductibles to lower rates – Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your Nissan. Some coverage claims are colliding with a building, flood damage, and rolling your vehicle. Comprehensive and collision coverage deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. The more money you choose to pay out-of-pocket, the better rate you will receive.
Discounts for alarms and GPS tracking – Buying a car that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
Improve your credit history and save – Credit rating is likely to be a major factor in determining what you pay. People with good credit tend to be more responsible and file fewer claims than drivers who have lower credit ratings. If your credit score can be improved, you may save money insuring your Nissan Frontier by spending a little time repairing your credit.
Nissan Frontier claim probability – Insurers factor in insurance loss information to calculate a price that will offset any claims. Models that the data shows to have higher claim frequency or loss amount will have higher premium rates. The table below shows the loss history for Nissan Frontier vehicles.
For each policy coverage type, the claim probability for all vehicles, without regard to make or model, is a value of 100. Numbers under 100 suggest losses that are better than average, while values that are above 100 indicate more frequent claims or an increased likelihood of larger losses.
| 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
Determine discounts to get cheap Fort Worth auto insurance quotes
Auto insurance can be pricey, but you may be missing some discounts that could help you make your next renewal payment. Most are applied at the time of quoting, but less common discounts must be requested specifically in order for you to get them. If you don’t get every credit available, you are paying more than you should be.
- Multi-car Discount – Purchasing coverage when you have all your vehicles on a single policy can get a discount on all vehicles.
- Waiver for an Accident – Not necessarily a discount, but certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
- Drive Safe and Save – Drivers without accidents may receive a discount up to 45% than drivers with accidents.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
- Bundled Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
- Distant Student Discount – College-age children who live away from home to go to college and don’t have a car could get you a discount.
- Discount for Life Insurance – Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy a life policy as well.
- Early Switch Discount – A few companies allow discounts for buying a new policy before your current Frontier insurance policy expires. You can save around 10% with this discount.
- Membership in Organizations – Joining a qualifying organization may earn a discount on your policy.
Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way.
The information below illustrates the comparison of Nissan Frontier auto insurance rates with and without some available policy discounts. The premiums assume a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.
A list of companies and some of the premium reductions they offer can be found below.
- Progressive may have discounts that include online signing, online quote discount, multi-policy, continuous coverage, homeowner, good student, and multi-vehicle.
- Farmers Insurance may include discounts for good student, youthful driver, business and professional, distant student, bundle discounts, early shopping, and teen driver.
- Farm Bureau has discounts for good student, renewal discount, safe driver, multi-vehicle, multi-policy, and driver training.
- State Farm offers discounts including good student, passive restraint, Drive Safe & Save, safe vehicle, defensive driving training, student away at school, and multiple policy.
- GEICO has savings for federal employee, air bags, multi-policy, anti-theft, seat belt use, anti-lock brakes, and defensive driver.
- SAFECO may offer discounts for multi-car, homeowner, teen safe driver, anti-theft, anti-lock brakes, teen safety rewards, and safe driver.
- Liberty Mutual offers discounts for newly retired, newly married, multi-policy, preferred payment discount, teen driver discount, safety features, and new vehicle discount.
If you want the cheapest Nissan Frontier rate quotes, ask each company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in Fort Worth. If you would like to see a list of insurance companies who offer auto insurance discounts in Texas, click this link.
Compare rates but buy from a local neighborhood Fort Worth car insurance agent
A small number of people would prefer to get professional advice from a licensed agent and that is just fine! Insurance agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of comparing auto insurance online is you can get cheap auto insurance quotes and still buy from a local agent. Buying from and supporting local agents is still important in Fort Worth.
To find an agent, once you fill out this quick form, your coverage information is sent to companies in Fort Worth who can give free rate quotes for your business. There is no need to even leave your home since rate quotes are delivered directly to your email. If you have a need to get a comparison quote from one company in particular, you can always go to their quote page and give them your coverage information.
Pick the best car insurance agent in Fort Worth for you
If you want to buy auto insurance from local Fort Worth agents, it’s important to understand the types of agencies and how they can write your policy. Agents can either be independent agents or exclusive agents. Either can sell affordable auto insurance policies, but it’s good to learn how they are different since it could factor into the kind of agent you use.
Independent Auto Insurance Agents
Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies with any number of different companies and find you cheaper rates. If they find a lower price, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rates, you should always include price quotes from a couple of independent agencies to get the most accurate price comparison.
Featured below is a list of independent agents in Fort Worth that may be able to give competitive price quotes.
Nationwide Insurance: Darla Duncan Insurance Agency
5801 Curzon Ave #137 – Fort Worth, TX 76107 – (817) 731-0991 – View Map
Armor Texas Insurance Agency
6613 McCart Ave – Fort Worth, TX 76133 – (817) 332-2066 – View Map
Hall Insurance Agency, Inc.
3559 Williams Rd Suite 110 – Fort Worth, TX 76116 – (817) 370-0125 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive are contracted to one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to give you multiple price quotes so they really need to provide good service. They are trained well on their company’s products which aids in selling service over price.
Shown below are exclusive insurance agents in Fort Worth who can help you get comparison quotes.
Larry Martin – State Farm Insurance Agent
7833 Summer Creek Dr – Fort Worth, TX 76123 – (817) 292-6214 – View Map
Matt Poston – State Farm Insurance Agent
3417 Hulen St #203 – Fort Worth, TX 76107 – (817) 732-1611 – View Map
Clint Goin – State Farm Insurance Agent
7420 N Beach St #234 – Fort Worth, TX 76137 – (817) 485-5660 – View Map
Picking the best insurance agent needs to be determined by more than just a cheap quote. These are some questions your agent should answer.
- Can you get a list of referrals?
- Is there a 24/7 contact number?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agent help file claims?
- Do you need full coverage on every vehicle?
- If they are an independent agency in Fort Worth, which companies do they recommend?
If you feel you receive satisfactory answers to any questions you may have and an affordable coverage quote, it’s possible that you found an insurance agent that is reliable enough to provide auto insurance coverage. But remember, you are entitled to cancel your coverage whenever you choose to so don’t assume that you are permanently stuck with a specific company with no way to switch.
Tailor your auto insurance coverage to you
When choosing insurance from an agent or online, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that.
Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.
- Does my policy pay for OEM or aftermarket parts?
- Does my medical payments coverage pay my health insurance deductible?
- Is business equipment covered while in my vehicle?
- Why are teen drivers so expensive to add on to my policy?
- How does medical payments coverage work?
- Who is covered when they drive my Nissan Frontier?
- Can good grades get a discount?
- If my pet gets injured in an accident are they covered?
- Can I make deliveries for my home business?
- When should my teen driver be added to my policy?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
A conclusion for your car insurance search
When searching for affordable Fort Worth car insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In too many instances, someone sacrificed full coverage only to find out that it was a big error on their part. Your strategy should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.
We just covered a lot of ways to reduce Nissan Frontier insurance premium rates online in Fort Worth. The key concept to understand is the more you quote Fort Worth car insurance, the better chance you’ll have of finding cheaper Fort Worth car insurance quotes. You may even discover the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm and Allstate.
More tips and info about car insurance can be read at these sites:
- Auto Crash Statistics (Insurance Information Institute)
- How Much are Auto Insurance Rates for Veterans in Fort Worth? (FAQ)
- What Car Insurance is Cheapest for State Employees in Fort Worth? (FAQ)
- Who Has Affordable Auto Insurance Rates for Drivers Under 25 in Fort Worth? (FAQ)
- Who Has the Cheapest Fort Worth Auto Insurance for Teenagers? (FAQ)
- What Car Insurance is Cheapest for Drivers Requiring a SR22 in Fort Worth? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Electric Cars in Fort Worth? (FAQ)
- Who Has Cheap Fort Worth Car Insurance Quotes for Low Mileage Drivers? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- What is a Telematics Device? (Allstate)
- Avoiding Deer Collisions (Insurance Information Institute)