Best Insurance for a Nissan Frontier in Durham

A study showed that the majority of drivers have remained with the same auto insurance company for at least the last four years, and almost half have never shopped around. U.S. drivers could save about 46.5% a year just by shopping around, but most just don’t grasp how much savings they would realize if they just switched companies.

If saving the most money is your goal, then the best way to find more affordable auto insurance rates in Durham is to compare prices regularly from companies who provide auto insurance in North Carolina.

1. Learn about coverages and the things you can control to keep rates in check. Many risk factors that result in higher rates like speeding tickets, careless driving and a poor credit rating can be controlled by making lifestyle changes or driving safer.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies.
3. Compare the new rates to your current policy premium and determine if there is any savings. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company to cancel your current policy. Submit the completed application along with a down payment to your new company or agent. As soon as coverage is bound, keep your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

A key point to remember is that you’ll want to make sure you compare the same level of coverage on every price quote and and to get rates from as many car insurance companies as possible. This helps ensure an accurate price comparison and a thorough selection of prices.

To get the cheapest Nissan Frontier rate quotes, there a variety of ways to compare prices from different companies. The best method to find the cheapest insurance rates is to get quotes online.

When comparing auto insurance rates, know that comparing a large number of companies will improve the odds of getting lower pricing.

The companies shown below can provide free quotes in North Carolina. If multiple companies are listed, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Statistics and details

The premium table below outlines a range of insurance premium costs for Nissan Frontier models. Learning more about how insurance policy rates are calculated can assist in making smart choices when purchasing an insurance policy.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in your specific Durham location which can influence coverage prices greatly.

Physical damage deductibles

A question often asked by Durham drivers is which deductible level should you buy. The following tables may aid in understanding the premium difference between low and high physical damage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific Durham garaging location which can influence coverage rates significantly.

Based on the figures above, using a $250 deductible will cost you about $17 more each month or $204 annually averaged for all Frontier models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 44 months between claims, you would save more money going with the higher deductible.

Impact of violations and accidents on rates in Durham

The information below illustrates how traffic citations and at-fault fender-benders can influence Nissan Frontier auto insurance costs for each age group. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.

Auto insurance premiums by gender

The illustration below visualizes the comparison of Nissan Frontier insurance rates for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.

These discounts can lower your insurance quotes

Some companies don’t always publicize the complete list of policy discounts very well, so we researched some of the more common and the more hidden credits available to bring down your rates.

• Driving Data Discount – Drivers who elect to allow driving data collection to analyze driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
• Theft Deterrent System – Cars optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a Durham auto insurance quote.
• Claim-Free Discount – Drivers with accident-free driving histories are rewarded with significantly better rates on Durham auto insurance quote when compared to drivers who are more careless.
• Multi-car Discount – Buying insurance for multiple cars on one policy qualifies for this discount.
• Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• First Accident Forgiveness – Not really a discount, but some companies like State Farm and GEICO allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to the accident.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
• Save over 55 – Seniors may receive reduced rates.
• Low Mileage Discounts – Driving fewer miles can earn lower insurance rates on the low mileage vehicles.

One last thing about discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will lower your policy premium.

The chart below shows the difference between Nissan Frontier annual premium costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no violations or claims, North Carolina state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

Companies that may offer policyholders some of the above discounts are:

• Progressive
• SAFECO
• American Family
• MetLife
• GEICO
• The Hartford

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Some discounts might not be available to policyholders in every state. To view insurers offering insurance discounts in North Carolina, click this link.

Choosing the best Nissan vehicle insurance in North Carolina is an important decision

Despite the high insurance cost for a Nissan Frontier in Durham, maintaining insurance may be mandatory for several reasons.

• Almost all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability coverage if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your vehicle with a loan, more than likely the lender will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may buy a policy for your Nissan at a significantly higher premium and require you to pay the higher price.
• Insurance preserves both your car and your personal assets. It will also reimburse you for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance also covers legal expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to repair the damage.

The benefits of having insurance more than cancel out the cost, especially when you need to use it. The average driver in America is currently overpaying as much as $750 every year so shop around at least once a year to help ensure money is not being wasted.

North Carolina auto insurance companies

Picking a good quality car insurance provider can be difficult considering how many choices you have in North Carolina. The information shown below may help you analyze which coverage providers you want to consider comparing rates with.

Top 10 Durham Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Do I just need basic coverages?

Always remember that when buying the best car insurance coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

• Does my car insurance cover rental cars?
• How can I get the company to pay a claim?
• Do I benefit by insuring my home with the same company?
• How much liability do I need to cover my assets?
• Does my policy cover my teen driver if they drive my company car?
• Do I have any recourse if my insurance company denies a claim?
• Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

When to talk to an agent

Some consumers would prefer to talk to an insurance agent and that is a personal choice. A good thing about comparing insurance prices online is the fact that drivers can get the lowest rates but still work with a licensed agent.

After completing this short form, your insurance data gets sent to local insurance agents who will gladly provide quotes for your coverage. You won’t even need to leave your house due to the fact that quote results will go to you directly. Get lower rates and an insurance agent to talk to. If you wish to quote rates from a specific auto insurance provider, don’t hesitate to go to their quote page and give them your coverage information.

Finding the right company should include more criteria than just the bottom line cost. These are some questions your agent should answer.

• Are claim adjusters local or do you have to take your car somewhere else?
• Will you work with the agent or an assistant?
• Does the agent help file claims?
• Does their agency support local causes in Durham?
• Which family members are covered?
• Do they offer claims assistance after hours?
• Are you getting all the discounts the company offers?

Two types of Durham car insurance agents

If you would like to find a good Durham insurance agent, it can be helpful to understand the types of insurance agents and how they can quote your rates. Auto insurance agencies may be either independent agents or exclusive agents.

Exclusive Agents

These type of agents can only provide pricing for a single company such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are well trained on what they offer which aids in selling service over price. Some consumers prefer to buy from exclusive agents partially due to the brand legacy rather than having the cheapest rates.

The following are Durham exclusive insurance agents that can give you price quotes.

• Debbie Leonard – State Farm Insurance Agent
  3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887 – View Map
• Andy Jones – State Farm Insurance Agent
  4519 N Roxboro St – Durham, NC 27704 – (919) 477-0054 – View Map
• Marty Lindsey – State Farm Insurance Agent
  1852 Hillandale Rd – Durham, NC 27705 – (919) 479-9671 – View Map

View more Durham agents

Independent Agencies or Brokers

Agents that elect to be independent do not write with just one company and that enables them to quote your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to do anything. If you are comparing rate quotes, we recommend you check rates from independent agents to get the best comparison. Many independent agencies also insure through mutual insurance companies that may provide cheaper auto insurance rates.

The following are Durham independent insurance agents that are able to give price quotes.

• Insurance People-N Carolina
  1920 Front St # 750 – Durham, NC 27705 – (919) 383-0442 – View Map
• Bull City Insurance
  121 Sherron Rd #302 – Durham, NC 27703 – (919) 596-0671 – View Map
• The Insurance Pros, Inc.
  1210 Cole Mill Rd Suite 101 – Durham, NC 27705 – (919) 294-6613 – View Map

View more Durham agents