How to Save on Nissan Frontier Insurance in Anchorage

The best way we recommend to find cheaper prices for Nissan Frontier insurance in Anchorage is to start comparing rates regularly from insurers in Alaska. You can compare rates by following these steps.

First, take a few minutes and learn about how insurance works and the steps you can take to keep rates in check. Many policy risk factors that are responsible for high rates like traffic citations and poor credit history can be amended by paying attention to minor details.

Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while independent agencies can quote prices from multiple sources.

Third, compare the new rate quotes to the premium of your current policy and determine if cheaper Frontier coverage is available. If you find a better price and switch companies, make sure coverage is continuous and does not lapse.

Fourth, notify your company or agent of your intent to cancel your current auto insurance policy. Submit payment and a completed application to your new company or agent. When you receive it, place the new certificate verifying proof of insurance in an easily accessible location.

One tip to remember is that you’ll want to make sure you compare the same amount of coverage on every quote request and and to get price quotes from as many companies as possible. Doing this helps ensure a fair price comparison and a complete price analysis.

Unthinkable but true, nearly 70% of drivers have remained with the same car insurance company for more than four years, and almost 40% of drivers have never quoted rates to find cheap coverage. Alaska consumers can save 35% each year by just comparing rate quotes, but they underestimate the rate savings if they switch to a new company.

The fastest way that we advise to compare car insurance company rates for Nissan Frontier insurance in Anchorage is to realize all the major auto insurance companies provide online access to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information including any included safety features, whether the vehicles are used for commuting, driver ages, and deductibles desired. Those rating factors gets sent immediately to multiple top-rated companies and they provide comparison quotes within a short period of time.

To compare rates for your Nissan Frontier now, click here and complete the form.

The auto insurance companies shown below provide comparison quotes in Anchorage, AK. To find cheaper car insurance in Anchorage, we suggest you click on several of them to find the cheapest auto insurance rates.

Car insurance data for a Nissan Frontier

The table displayed below covers estimates of insurance coverage prices for Nissan Frontier models. Having a good grasp of how prices are formulated helps drivers make smart choices when choosing a car insurance company.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in specific zip code location which can affect rates significantly.

Policy deductibles

One of the hardest decisions when shopping for car insurance is where should you set your physical damage deductibles. The rates below can help you visualize the difference in cost when you buy lower versus higher policy deductibles. The first rate comparisons uses a $250 deductible and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in specific garaging location which can alter premium rates considerably.

Using the data above, we can ascertain that using a $250 deductible costs approximately $20 more each month or $240 annually than buying the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 38 months between claim filings, you would come out ahead if you opt for a higher deductible.

Insurance rate increases from tickets or accidents

The example below demonstrates how traffic citations and at-fault collisions can drive up Nissan Frontier yearly insurance costs for different age groups of insureds. The premiums assume a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

How much more does full coverage cost?

The diagram below illustrates the difference between Nissan Frontier insurance prices with full coverage compared to only the Alaska minimum liability coverage. Data assumes no claims or driving violations, $100 deductibles, drivers are single, and no other discounts are factored in.

When to switch to liability coverage only

There is no specific rule to delete comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Nissan Frontier replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your policy deductible. If it’s costing you more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where eliminating full coverage is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Discounts can help save money on Nissan Frontier insurance in Anchorage

Auto insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so below is a list both well-publicized and the more hidden ways to save on car insurance.

• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
• Auto/Home Discount – If you have multiple policies and place coverage with the same company you will save at least 10 to 15 percent or more.
• Claim-Free Discount – Claim-free drivers have much lower rates as compared to drivers with a long claim history.
• Switch and Save Discount – A few companies offer discounts for buying a policy before your current coverage expires. The savings is around 10%.
• Multiple Vehicles – Buying insurance for several vehicles on one policy can get a discount for every vehicle.
• Safe Driver Discount – Insureds without accidents can save up to 40% or more on their Anchorage auto insurance quote than less cautious drivers.
• Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
• Low Mileage Discounts – Fewer annual miles on your Nissan could qualify for better rates on cars that stay parked.
• Buy New and Save – Buying a new car instead of a used Frontier is cheaper because new model year vehicles are generally safer.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts should definitely cut the cost of coverage.

The diagram below shows the comparison of Nissan Frontier yearly insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving citations, Alaska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, claim-free, multi-policy, and marriage discounts applied.

To locate providers who offer car insurance discounts in Alaska, click here.

Best reasons to buy car insurance in Alaska

Despite the fact that car insurance is not cheap in Anchorage, car insurance serves an important purpose.

First, most states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection in order to license the vehicle. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a loan, almost all lenders will require you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may insure your Nissan for a lot more money and require you to pay the higher price.

Third, insurance protects both your vehicle and your personal assets. It also can pay for most medical and hospital costs for you, your passengers, and anyone else 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, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance are definitely more than the cost, especially with large liability claims. But the average driver in Alaska is wasting up to $865 each year so compare rate quotes once a year at a minimum to ensure rates are competitive.

Best car insurance in Anchorage

Ending up with the right car insurance company can be rather challenging considering how many different companies sell coverage in Alaska. The rank data displayed below could help you decide which insurers you want to consider buying from.

Top 10 Anchorage Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Allstate
8. Esurance
9. Safeco
10. 21st Century

Situations that may require an agent’s advice

Always keep in mind that when comparing a policy, there really is not a one size fits all plan. Your situation is unique so your insurance needs to address that.
For instance, these questions may help you determine if your situation will benefit from professional help.

• What is the minimum liability in Alaska?
• Is other people’s property covered if stolen from my vehicle?
• How much liability do I need to cover my assets?
• Does insurance cover tools stolen from my truck?
• Does having multiple vehicles earn me a discount?
• Am I covered if I back into my garage door?
• When should I remove comp and collision on my Nissan Frontier?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Insurance agent or online?

Many people just prefer to get advice from a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and will help you if you have claims. The best thing about comparing rate quotes online is the fact that drivers can get lower prices and still have an agent to talk to.

To find an agent, once you fill out this simple form, your information is transmitted to participating agents in Anchorage who will return price quotes for your car insurance coverage. You never need to contact any insurance agencies since rate quotes are delivered to you instantly. In the event you want to quote rates from a specific car insurance provider, you just need to search and find their rate quote page and fill out their quote form.

Picking a insurance company is decision based upon more than just the bottom line cost. Any good agent in Anchorage should know the answers to these questions.

• Does the agency have a current Errors and Omissions policy?
• Do they feel the quoted coverages are adequate?
• Who is covered by the car insurance policy?
• Which insurance companies are they affiliated with?
• Can glass repairs be made at your home?

Pick the best car insurance agent in Anchorage for you

If you want to buy car insurance from a reputable insurance agent or broker, there are two types of agencies and how they function. Car insurance agents can either be independent agents or exclusive agents depending on their employer. Both can sell car insurance policies, but it’s a good idea to understand the difference in the companies they write for because it may have an impact on the selection process.

Exclusive Agents

These agents are contracted to one company like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on their company’s products which helps them sell insurance even at higher premiums.

Listed below are Anchorage exclusive insurance agencies who may provide you with rate quotes.

View more Anchorage agents

Independent Agencies or Brokers

Agents that elect to be independent are normally appointed by many insurers so they can quote policies through many different car insurance companies and find the cheapest rate. To transfer your coverage to a different company, they simply switch companies in-house and the insured can keep the same agent.

If you are comparing rate quotes, you definitely need to compare prices from at least one independent agent to get the most accurate price comparison.

The following is a short list of independent insurance agents in Anchorage willing to provide rate quotes.

View more Anchorage agents

Upon getting good feedback to any questions you have and cheaper Frontier insurance quotes, most likely you have located an insurance agency that is reputable and can provide car insurance coverage. Just remember consumers can cancel your coverage whenever you want so never assume that you’re stuck with a specific agent with no way out.