How many years has it been since you compared low-cost insurance rates in Philadelphia, PA? Philadelphia shoppers have lots of choices when shopping for the lowest priced Nissan Frontier insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to get rate quotes. There is a better way to shop for insurance and we’ll show you the quickest way to compare rates for a Nissan and locate the lowest price from Philadelphia insurance agents and online providers.
Astonishing but true according to a recent study, nearly 70% of Pennsylvania drivers have stayed with the same insurance company for four years or more, and almost 40% of drivers have never shopped around. American drivers could save $859 each year by just shopping around, but they underestimate the benefits if they switched to a more affordable policy.
How much does Nissan Frontier insurance in Philadelphia, Pennsylvania cost?
Most companies like Allstate, GEICO and Progressive provide price estimates direct online. Doing online quotes for Nissan Frontier insurance in Philadelphia is easy for anyone as you simply enter your coverage information as requested by the quote form. When complete, the company’s rating system gets credit information and your driving record and gives you a price quote based on the data you entered.
Using the web to get rates for Nissan Frontier insurance in Philadelphia helps simplify price comparisons, and it’s very important to do this if you are searching for the lowest payment.
To quickly compare rates now, check out the car insurance providers below. If you have your current policy handy, we recommend you enter deductibles and limits as shown on your current policy. This helps ensure you’re receiving a fair comparison based on identical coverages.
The car insurance companies shown below are ready to provide free quotes in Philadelphia, PA. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Choosing the best vehicle insurance in Pennsylvania is an important decision
Despite the high cost, insurance serves several important purposes.
- Just about all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Frontier, it’s most likely the lender will require you to carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the lender will be forced to insure your Nissan for a much higher rate and require you to reimburse them much more than you were paying before.
- Insurance protects your Nissan Frontier and your assets. Insurance will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of insuring your car more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Pennsylvania is overpaying more than $869 every year so you should quote and compare rates each time the policy renews to save money.
Premium rates and analysis
The coverage table shown below highlights a range of insurance premium costs for Nissan Frontier models. Being aware of how premiums are determined can be of help when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $154 | $284 | $412 | $24 | $124 | $998 | $83 |
| Frontier SE King Cab 2WD | $180 | $284 | $412 | $24 | $124 | $1,024 | $85 |
| Frontier SE Crew Cab 2WD | $180 | $346 | $412 | $24 | $124 | $1,086 | $91 |
| Frontier Pro-4X King Cab 2WD | $206 | $346 | $412 | $24 | $124 | $1,112 | $93 |
| Frontier LE King Cab 2WD | $206 | $346 | $412 | $24 | $124 | $1,112 | $93 |
| Frontier SE King Cab 4WD | $206 | $284 | $330 | $20 | $98 | $938 | $78 |
| Frontier Pro-4X Crew Cab 2WD | $206 | $408 | $412 | $24 | $124 | $1,174 | $98 |
| Frontier LE Crew Cab 2WD | $206 | $408 | $412 | $24 | $124 | $1,174 | $98 |
| Frontier SE Crew Cab 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Frontier LE King Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Frontier Pro-4X King Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Frontier Pro-4X Crew Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Frontier LE Crew Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Get Your Own Customized Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in your specific Philadelphia location which can influence price quotes substantially.
Can higher deductibles save money?
When shopping for auto insurance, a common question is which deductible level should you buy. The rates shown below may help to conceptualize the difference in cost between low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $210 | $420 | $412 | $24 | $124 | $1,215 | $101 |
| Frontier SE King Cab 2WD | $246 | $420 | $412 | $24 | $124 | $1,251 | $104 |
| Frontier SE Crew Cab 2WD | $246 | $512 | $412 | $24 | $124 | $1,343 | $112 |
| Frontier Pro-4X King Cab 2WD | $284 | $512 | $412 | $24 | $124 | $1,381 | $115 |
| Frontier LE King Cab 2WD | $284 | $512 | $412 | $24 | $124 | $1,381 | $115 |
| Frontier SE King Cab 4WD | $284 | $420 | $330 | $20 | $98 | $1,177 | $98 |
| Frontier Pro-4X Crew Cab 2WD | $284 | $602 | $412 | $24 | $124 | $1,471 | $123 |
| Frontier LE Crew Cab 2WD | $284 | $602 | $412 | $24 | $124 | $1,471 | $123 |
| Frontier SE Crew Cab 4WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Frontier LE King Cab 4WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Frontier Pro-4X King Cab 4WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Frontier Pro-4X Crew Cab 4WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Frontier LE Crew Cab 4WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $154 | $284 | $412 | $24 | $124 | $998 | $83 |
| Frontier SE King Cab 2WD | $180 | $284 | $412 | $24 | $124 | $1,024 | $85 |
| Frontier SE Crew Cab 2WD | $180 | $346 | $412 | $24 | $124 | $1,086 | $91 |
| Frontier Pro-4X King Cab 2WD | $206 | $346 | $412 | $24 | $124 | $1,112 | $93 |
| Frontier LE King Cab 2WD | $206 | $346 | $412 | $24 | $124 | $1,112 | $93 |
| Frontier SE King Cab 4WD | $206 | $284 | $330 | $20 | $98 | $938 | $78 |
| Frontier Pro-4X Crew Cab 2WD | $206 | $408 | $412 | $24 | $124 | $1,174 | $98 |
| Frontier LE Crew Cab 2WD | $206 | $408 | $412 | $24 | $124 | $1,174 | $98 |
| Frontier SE Crew Cab 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Frontier LE King Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Frontier Pro-4X King Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Frontier Pro-4X Crew Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Frontier LE Crew Cab 4WD | $234 | $346 | $330 | $20 | $98 | $1,028 | $86 |
| Get Your Own Customized Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in vehicle location which can alter coverage prices noticeably.
We can estimate from the data above that using a $100 deductible will cost you roughly $22 more each month or $264 annually than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 18 months between claims, you would save money if you opt for a higher deductible.
How violations and accidents impact rates
The chart below illustrates how traffic citations and accidents increase Nissan Frontier yearly insurance costs for different ages of insureds. The premiums assume a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Nissan Frontier insurance rates: Men versus women
The information below shows the comparison of Nissan Frontier insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, single status, and no other discounts are factored in.
Get cheaper Nissan Frontier insurance in Philadelphia with discounts
Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Certain reductions will be credited when you get a quote, but occasionally some discounts must be requested specifically prior to receiving the credit.
- Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little off PIP or medical payments premium.
- Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
- Membership in Organizations – Being a member of a qualifying organization could earn you a nice discount when shopping for insurance.
- Multi-car Discount – Having multiple cars or trucks with the same insurance company can reduce rates for all insured vehicles.
- ABS Braking Discount – Cars and trucks that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Government Employees – Federal government employees could qualify for a slight premium decrease with select insurance companies.
- Online Discount – A few larger online companies will discount your bill up to fifty bucks for completing your application on the internet.
- Bundled Policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you may earn up to 20% off your total Frontier insurance premium.
Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, insurance companies aren’t that generous.
The chart below illustrates the comparison of Nissan Frontier insurance prices with and without policy discounts. The rate quotes are based on a male driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, marriage, and multi-policy discounts applied.
If you would like to see a list of insurance companies who offer free Nissan Frontier insurance quotes in Philadelphia, click this link.
Buying insurance from Philadelphia car insurance agents
Some consumers would prefer to have an agent’s advice and that can be a great decision Agents are highly skilled in risk management and help in the event of a claim. One of the benefits of comparing rate quotes online is the fact that you can find lower prices and still buy from a local agent.
For easy comparison, once you complete this short form, your insurance coverage information is instantly submitted to companies in Philadelphia that give free quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go immediately to your email address. If you have a need to get a comparison quote from a specific company, feel free to navigate to their website and complete a quote there.
Choosing the best insurer is decision based upon more than just the premium amount. The questions below may impact your decision as well.
- Can you contact them at any time?
- Does the agency support the community they serve?
- Which family members are covered?
- If you have an accident, will your rates go up?
- Do they offer rental car reimbursement?
- Are there any hidden costs in their price quote and does it include driving and credit history?
When searching for a local Philadelphia insurance agency, there are a couple of different types of agencies and how they can write your policy. Insurance policy providers are considered either independent agents or exclusive agents depending on their employer. Either one can provide insurance policies, but it’s important to know why they differ because it can influence your agent selection.
Exclusive Insurance Agencies
These type of agents can usually just insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents are trained well on the products they sell which can be an advantage. Some people will only buy from the same agent for years mostly because of the brand name and solid financial strength.
Shown below are Philadelphia exclusive insurance agencies who can help you get rate quotes.
- Jack Stabler – State Farm Insurance Agent
6726 Torresdale Ave – Philadelphia, PA 19135 – (215) 331-4300 – View Map - Dennis Jackson – State Farm Insurance Agent
6200 Frankford Ave – Philadelphia, PA 19135 – (215) 289-5179 – View Map - Paul Hoffman – State Farm Insurance Agent
2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737 – View Map
Independent Insurance Agents
These type of agents do not write with just one company and that allows them to write policies amongst many companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier which is easy for the insured. If you need lower rates, we recommend you compare prices from at a minimum one independent agency so that you can do a thorough price comparison. They also have the ability to place coverage with smaller regional carriers that many times have cheaper rates.
Listed below is a list of independent agents in Philadelphia willing to provide rate quotes.
- Nigro Insurance Agency
35 Letitia St – Philadelphia, PA 19106 – (215) 278-9633 – View Map - Pa Auto Insurance Outlet
4901 Frankford Ave – Philadelphia, PA 19124 – (215) 827-0800 – View Map - Nationwide Insurance: Ferullo Insurance Agencies LLC
1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116 – View Map
Don’t give up on cheap coverage
When you buy Philadelphia auto insurance online, never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.
A few companies may not have price quotes online and usually these small insurance companies sell through independent insurance agents. More affordable insurance in Philadelphia is available on the web as well as from independent agents in Philadelphia, so you need to compare both so you have a total pricing picture.
We just covered a lot of tips how to lower your Nissan Frontier insurance premium rates in Philadelphia. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest premium rates are with an unexpected company.
More tips and info about insurance can be read in these articles:
- Auto Crash Statistics (Insurance Information Institute)
- How Much are Car Insurance Quotes for a Dodge Journey in Philadelphia? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Auto Insurance Learning Center (State Farm)