Best Nissan Frontier Insurance in Long Beach

Insurance rates Nissan Frontier in Long BeachThe easiest way to get the cheapest car insurance rates is to compare quotes once a year from insurance carriers who provide car insurance in Long Beach. You can compare rates by following these guidelines.

A crucial key to this process is to make sure you’re comparing similar deductibles and liability limits on each quote request and and to get prices from all possible companies. This helps ensure a level playing field and a complete selection of prices.

A recent auto insurance study revealed that almost 70% of drivers kept buying from the same company for at least the last four years, and almost half have never quoted auto insurance rates at all. Most drivers in California could save themselves almost 35% a year just by comparing rates, but they underestimate the large savings they would see if they switched.

When comparing car insurance rates, know that comparing more prices gives you a better chance of getting the best price.

The companies in the list below have been selected to offer comparison quotes in California. If your goal is to find the cheapest auto insurance in Long Beach, we suggest you click on several of them in order to find the cheapest rates.

Auto insurance protects more than just your car

Even though Long Beach Frontier insurance rates can get expensive, insuring your vehicle may be required and benefits you in several ways.

The benefits of having auto insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in America is overpaying over $820 a year so compare quotes from several companies once a year at a minimum to save money.

Insurance coverage details

The price information below showcases a range of insurance prices for Nissan Frontier models. Having knowledge of how insurance premiums are established can help guide drivers when making informed decisions when shopping around for a new policy.


Nissan Frontier Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $178 $374 $580 $34 $174 $1,340 $112
Frontier SE King Cab 2WD $208 $374 $580 $34 $174 $1,370 $114
Frontier SE Crew Cab 2WD $208 $454 $580 $34 $174 $1,450 $121
Frontier Pro-4X King Cab 2WD $238 $454 $580 $34 $174 $1,480 $123
Frontier LE King Cab 2WD $238 $454 $580 $34 $174 $1,480 $123
Frontier SE King Cab 4WD $238 $374 $464 $28 $138 $1,242 $104
Frontier Pro-4X Crew Cab 2WD $238 $536 $580 $34 $174 $1,562 $130
Frontier LE Crew Cab 2WD $238 $536 $580 $34 $174 $1,562 $130
Frontier SE Crew Cab 4WD $238 $454 $464 $28 $138 $1,322 $110
Frontier LE King Cab 4WD $270 $454 $464 $28 $138 $1,354 $113
Frontier Pro-4X King Cab 4WD $270 $454 $464 $28 $138 $1,354 $113
Frontier Pro-4X Crew Cab 4WD $270 $454 $464 $28 $138 $1,354 $113
Frontier LE Crew Cab 4WD $270 $454 $464 $28 $138 $1,354 $113
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Long Beach garaging location which can modify rates noticeably.

How high should deductibles be?

When comparing insurance rates, the most common question is how high should your deductibles be. The data tables below can help show the costs and benefits of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.


Nissan Frontier insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $282 $564 $552 $32 $166 $1,621 $135
Frontier SE King Cab 2WD $332 $564 $552 $32 $166 $1,671 $139
Frontier SE Crew Cab 2WD $332 $686 $552 $32 $166 $1,793 $149
Frontier Pro-4X King Cab 2WD $380 $686 $552 $32 $166 $1,841 $153
Frontier LE King Cab 2WD $380 $686 $552 $32 $166 $1,841 $153
Frontier SE King Cab 4WD $380 $564 $442 $26 $132 $1,569 $131
Frontier Pro-4X Crew Cab 2WD $380 $810 $552 $32 $166 $1,965 $164
Frontier LE Crew Cab 2WD $380 $810 $552 $32 $166 $1,965 $164
Frontier SE Crew Cab 4WD $380 $686 $442 $26 $132 $1,691 $141
Frontier LE King Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Frontier Pro-4X King Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Frontier Pro-4X Crew Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Frontier LE Crew Cab 4WD $430 $686 $442 $26 $132 $1,741 $145
Get Your Own Custom Quote Go

Nissan Frontier insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Frontier XE King Cab 2WD $156 $298 $552 $32 $166 $1,204 $100
Frontier SE King Cab 2WD $184 $298 $552 $32 $166 $1,232 $103
Frontier SE Crew Cab 2WD $184 $362 $552 $32 $166 $1,296 $108
Frontier Pro-4X King Cab 2WD $210 $362 $552 $32 $166 $1,322 $110
Frontier LE King Cab 2WD $210 $362 $552 $32 $166 $1,322 $110
Frontier SE King Cab 4WD $210 $298 $442 $26 $132 $1,108 $92
Frontier Pro-4X Crew Cab 2WD $210 $426 $552 $32 $166 $1,386 $116
Frontier LE Crew Cab 2WD $210 $426 $552 $32 $166 $1,386 $116
Frontier SE Crew Cab 4WD $210 $362 $442 $26 $132 $1,172 $98
Frontier LE King Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Frontier Pro-4X King Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Frontier Pro-4X Crew Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Frontier LE Crew Cab 4WD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in specific garaging location which can revise coverage rates greatly.

Based on the figures above, using a $100 deductible costs about $43 more each month or $516 a year than buying the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claim filings, you would save money if you choose the higher deductible.

These discounts can lower your car insurance rates

Companies do not list all discounts very well, so the list below contains a few of the more common and the more hidden discounts that you may qualify for.Discount car insurance

Just know that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

The illustration below illustrates the difference between Nissan Frontier insurance prices with and without discounts being applied to the rates. Data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, marriage, and homeowner discounts applied.

Large car insurance companies and some of the discounts are shown below.

If you need affordable Long Beach car insurance quotes, ask each insurance company how you can save money. Some discounts listed above may not apply to policies in your state. To find car insurance companies that can offer you the previously mentioned discounts in Long Beach, click here to view.

When to get advice from a local insurance agent

A lot of people still like to get professional advice from a licensed agent and doing so can bring peace of mind One of the best bonuses of price shopping on the web is that you can find cheap car insurance quotes but also keep your business local. And buying from neighborhood agents is especially important in Long Beach.

Long Beach insurance agentsUpon completion of this simple form, your insurance data is sent to agents in your area who can give free rate quotes to get your business. You don’t have to contact an agency because quoted prices will be sent straight to your inbox. You can most likely find cheaper rates AND an agent nearby. In the event you want to compare rates for a specific company, feel free to jump over to their website and give them your coverage information.

Two different types of car insurance agents

When narrowing the list to find a local Long Beach insurance agency, there are two different agency structures and how they can quote your rates. Car insurance agents in Long Beach can be described as either independent or exclusive depending on the company they work for.

Independent Agents

Agents of this type are normally appointed by many insurers so they can quote policies with multiple insurance companies and potentially find a lower price. If prices rise, your agent can just switch to a different company and you don’t have to do anything. If you need lower rates, you need to get rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many can place coverage with mutual insurance companies that can offer cheaper rates than bigger companies.

Below is a short list of independent agents in Long Beach that can possibly get you pricing information.

More insurance agents

Exclusive Agents

Agents of this type normally can only provide a single company’s rates and examples are Farmers Insurance, State Farm, or Allstate. They are unable to provide prices from multiple companies so they really need to provide good service. They are well trained on their company’s products which aids in selling service over price. Consumers sometimes buy insurance from these agents primarily because of the prominent brand name rather than low price.

Listed below is a list of exclusive insurance agencies in Long Beach that can give you rate quotes.

More insurance agents

Finding a good auto insurance agent requires you to look at more than just the quoted price. These are some questions you should get answers to.

How to find a good Long Beach car insurance company

Ending up with a highly-rated car insurance company is hard considering how many companies there are to choose from in Long Beach. The company ratings below may help you analyze which auto insurance companies to look at purchasing a policy from.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Persistence will pay off

When searching for low cost Long Beach car insurance quotes, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage and learned later they didn’t have enough coverage. The goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

We covered a lot of techniques to compare Nissan Frontier insurance premium rates in Long Beach. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheaper Long Beach car insurance quotes. Consumers could even find that the best premium rates are with the least-expected company.

Cheap Nissan Frontier insurance in Long Beach can be found both online as well as from independent agents in Long Beach, and you should compare price quotes from both to have the best rate selection. Some companies may not offer rate quotes online and these regional carriers sell through independent agents.

Additional information