How long has it been since the last time you looked for cheaper Nissan Frontier insurance in Fort Wayne? Are you burned out from not being able to afford to keep your car insured? Your situation is no different than the majority of other vehicle owners in Indiana.

Insurance rates Nissan Frontier in Fort WayneUnfortunately, a large majority of consumers renewed their policy with the same company for at least four years, and just short of a majority have never compared rates from other carriers. Many drivers in Indiana could save about 55% a year just by getting comparison quotes, but they just don't understand the rate savings if they switched to a more affordable policy. Since vehicle owners have many companies and agents to choose from, it can be impossible to find the cheapest auto insurance provider.

You should take the time to quote other rates every six months since prices fluctuate regularly. Just because you found the lowest rates on Nissan Frontier insurance in Fort Wayne a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.

Companies offering Nissan Frontier insurance in Fort Wayne

The companies shown below are ready to provide free quotes in Indiana. If the list has multiple companies, we recommend you compare several of them to get the best price comparison.

Nissan Frontier Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $126 $256 $336 $20 $100 $838 $70
Frontier SE King Cab 2WD $150 $278 $424 $26 $128 $1,006 $84
Frontier SE Crew Cab 2WD $130 $282 $474 $28 $142 $1,056 $88
Frontier Pro-4X King Cab 2WD $208 $414 $456 $28 $136 $1,242 $104
Frontier LE King Cab 2WD $208 $414 $456 $28 $136 $1,242 $104
Frontier SE King Cab 4WD $152 $188 $368 $22 $110 $840 $70
Frontier Pro-4X Crew Cab 2WD $128 $306 $456 $28 $136 $1,054 $88
Frontier LE Crew Cab 2WD $104 $224 $330 $20 $98 $776 $65
Frontier SE Crew Cab 4WD $186 $358 $318 $18 $94 $974 $81
Frontier LE King Cab 4WD $272 $450 $380 $22 $114 $1,238 $103
Frontier Pro-4X King Cab 4WD $268 $502 $340 $20 $102 $1,232 $103
Frontier Pro-4X Crew Cab 4WD $210 $358 $294 $18 $88 $968 $81
Frontier LE Crew Cab 4WD $152 $230 $280 $16 $84 $762 $64
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in zip code location which can influence coverage rates significantly.

Reckless driving habits raise Fort Wayne car insurance rates

The information below shows how speeding tickets and accidents increase Nissan Frontier insurance prices for different age groups. Data assumes a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Policy deductibles

One of the most common car insurance questions is where to set your physical damage deductibles. The premium rates below approximate how much more rates are of buying low and high deductibles. The first pricing table uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Nissan Frontier insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $180 $358 $350 $20 $106 $1,039 $87
Frontier SE King Cab 2WD $210 $358 $350 $20 $106 $1,069 $89
Frontier SE Crew Cab 2WD $210 $436 $350 $20 $106 $1,147 $96
Frontier Pro-4X King Cab 2WD $242 $436 $350 $20 $106 $1,179 $98
Frontier LE King Cab 2WD $242 $436 $350 $20 $106 $1,179 $98
Frontier SE King Cab 4WD $242 $358 $280 $16 $84 $1,005 $84
Frontier Pro-4X Crew Cab 2WD $242 $514 $350 $20 $106 $1,257 $105
Frontier LE Crew Cab 2WD $242 $514 $350 $20 $106 $1,257 $105
Frontier SE Crew Cab 4WD $242 $436 $280 $16 $84 $1,083 $90
Frontier LE King Cab 4WD $272 $436 $280 $16 $84 $1,113 $93
Frontier Pro-4X King Cab 4WD $272 $436 $280 $16 $84 $1,113 $93
Frontier Pro-4X Crew Cab 4WD $272 $436 $280 $16 $84 $1,113 $93
Frontier LE Crew Cab 4WD $272 $436 $280 $16 $84 $1,113 $93
Get Your Own Custom Quote Go
Nissan Frontier insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $130 $242 $350 $20 $106 $848 $71
Frontier SE King Cab 2WD $154 $242 $350 $20 $106 $872 $73
Frontier SE Crew Cab 2WD $154 $294 $350 $20 $106 $924 $77
Frontier Pro-4X King Cab 2WD $176 $294 $350 $20 $106 $946 $79
Frontier LE King Cab 2WD $176 $294 $350 $20 $106 $946 $79
Frontier SE King Cab 4WD $176 $242 $280 $16 $84 $798 $67
Frontier Pro-4X Crew Cab 2WD $176 $348 $350 $20 $106 $1,000 $83
Frontier LE Crew Cab 2WD $176 $348 $350 $20 $106 $1,000 $83
Frontier SE Crew Cab 4WD $176 $294 $280 $16 $84 $850 $71
Frontier LE King Cab 4WD $200 $294 $280 $16 $84 $874 $73
Frontier Pro-4X King Cab 4WD $200 $294 $280 $16 $84 $874 $73
Frontier Pro-4X Crew Cab 4WD $200 $294 $280 $16 $84 $874 $73
Frontier LE Crew Cab 4WD $200 $294 $280 $16 $84 $874 $73
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can affect prices significantly.

Based on these figures, using a $100 deductible would cost the average driver about $19 more each month or $228 a year than choosing the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 21 months between claim filings, you would probably be better off if you elect the higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $94
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One big caveat is that higher deductibles means you will have to pay more out-of-pocket when you have to file a claim. You must have some money saved in the event you have to pay the higher deductible in order to repair your vehicle.

Annual premiums comparing men and women

The diagram below shows the difference between Nissan Frontier insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Do you qualify for discounts?

Buying insurance is not cheap, but there are discounts available that many people don't even know exist. Certain discounts will be triggered automatically at quote time, but some need to be manually applied before you will receive the discount.Save money with discounts

A quick disclaimer, most of the big mark downs will not be given the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, it's just not the way it works.

To locate insurance companies with the best Nissan Frontier insurance discounts in Fort Wayne in Fort Wayne, click here to view.

The Nissan Frontier Insurance Price Equation

Consumers need to have an understanding of the different types of things that play a part in calculating the level of your policy premiums. If you know what controls the rates you pay, this enables informed choices that could result in better car insurance rates.

Male costs may be higher - Statistics demonstrate that females take fewer risks when driving. This data doesn't prove that females are better drivers. Males and females get in fender benders in similar numbers, but men have accidents that have higher claims. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

Responsible drivers pay lower premiums - A bad driving record has a lot to do with how much you pay for insurance. Attentive drivers tend to pay less for car insurance as compared to those with violations. Even a single driving citation can boost insurance rates by twenty percent. Drivers who have flagrant tickets such as reckless driving or DUI may be required to prove financial responsibility to the state department of motor vehicles in order to continue driving.

Lower stress equals lower rates - Do you work in a high-stress field? Occupations such as military personnel, airline pilots, and financial analysts generally have higher premium rates due to intense work situations and lengthy work days. On the flip side, careers such as farmers, historians and the unemployed have lower than average premiums.

Fast cars cost more to insure - The performance of the car, truck or SUV you are buying insurance for makes a significant difference in your rates. The most favorable rates tend to be for the lowest performance passenger cars, but many other things help determine your insurance rates. Since the Nissan Frontier is considered a pickup truck, rates will be similar in price when compared to the average rates in Fort Wayne.

Vehicles with better crash test results cost less to insure - Safe vehicles are cheaper to insure. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates. If your Nissan Frontier has ratings of a minimum four stars on Safercar.gov it may cost less to insure.

Car and home together may be cheaper - Most insurance companies will give lower prices to buyers that have more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to get quotes from other companies to make sure you are getting the best deal.

Where you call home can influence costs - Having an address in a small town is a positive aspect when buying car insurance. Lower population translates into fewer accidents and a lower car theft rate. Residents of big cities regularly have more aggressive driving styles and a longer drive to work. Higher commute times means more chance of being in an accident.

Loss probability for a Nissan Frontier - Insurers take into consideration insurance loss statistics for every vehicle when they calculate premium costs for each model. Models that have higher claim amounts or frequency will have a higher premium rate. The table below outlines the insurance loss data used by companies for Nissan Frontier vehicles.

For each insurance policy coverage type, the claim amount for all vehiclescombined as an average is equal to 100. Numbers under 100 indicate a favorable loss history, while numbers above 100 point to more losses or statistically larger claims.

Insurance Loss Ratings for Nissan Frontier Vehicles

Vehicle 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Compare rates but buy from a local Fort Wayne insurance agency

Many people just prefer to have an agent's advice. Professional insurance agents can help you build your policy and help file insurance claims. A nice benefit of comparing insurance online is that you can obtain lower rates and still have an agent to talk to. Buying insurance from small agencies is especially important in Fort Wayne.

Upon completion of this quick form, your coverage information gets sent to agents in your area that provide free Fort Wayne car insurance quotes for your insurance coverage. You don't have to contact an agency because prices are sent to your email. If you need to get a price quote from one company in particular, feel free to go to their quote page and submit a quote form there.

The following are Fort Wayne auto insurance companies that are able to give rate quotes for Nissan Frontier insurance in Fort Wayne.


4011 W Jefferson Blvd #175 - Fort Wayne, IN 46804 - (260) 434-4440 - View Map


10432 Coldwater Rd - Fort Wayne, IN 46845 - (260) 338-0338 - View Map


615 Goshen Ave - Fort Wayne, IN 46808 - (260) 482-9623 - View Map


5308 St Joe Rd - Fort Wayne, IN 46835 - (260) 492-6254 - View Map

View more Fort Wayne agents

Finding the right provider should include more criteria than just a low price. These are some questions you should get answers to.

Shop around and save

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, an insured cut physical damage coverage only to discover later that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We just showed you many tips how you can reduce Nissan Frontier insurance premium rates online in Fort Wayne. The key thing to remember is the more companies you get prices for, the higher your chance of finding affordable Nissan Frontier insurance quotes. You may even be surprised to find that the lowest premium rates are with the least-expected company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

More tips and info about auto insurance is available at these sites: