It takes a little time, but the best way to get more affordable Nissan Frontier insurance in Lubbock is to regularly compare prices from companies that insure vehicles in Texas. You can compare rates by completing these steps.
- Take a few minutes and learn about what is in your policy and the measures you can control to prevent rate increases. Many things that drive up the price such as inattentive driving and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while agents who are independent can quote prices from multiple companies.
- Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Lubbock. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
- Provide proper notification to your current company of your decision to cancel your existing policy. Submit a completed policy application and payment to the newly selected company. Once the application is submitted, safely store the proof of insurance certificate along with the vehicle’s registration papers.
An important note is that you’ll want to make sure you compare identical deductibles and limits on each price quote and to quote with all possible companies. This helps ensure a fair price comparison and the best price selection.
It’s well known that car insurance companies want to keep you from comparing prices. Consumers who shop around are likely to buy a new policy because there are good odds of finding a policy with more affordable rates. A recent study showed that people who compared rates regularly saved approximately $865 a year compared to those who never compared other company’s rates.
If finding the cheapest rates on car insurance in Lubbock is your ultimate goal, learning how to get free comparison quotes and analyze cheaper coverage can save time and money.
Just keep in mind that getting more free quotes will enable you to find more affordable insurance. Some insurance companies are not set up to provide Lubbock Frontier insurance quotes online, so it’s important to also get rates from the smaller companies as well.
The auto insurance companies shown below have been selected to offer comparison quotes in Texas. If you want the best cheap auto insurance in Lubbock, we recommend you compare several of them in order to get a fair rate comparison.
Nissan Frontier insurance statistics and information
The rate table displayed next showcases detailed analysis of insurance prices for Nissan Frontier models. Having a better idea how car insurance premiums are formulated can be useful when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $188 | $400 | $538 | $32 | $162 | $1,320 | $110 |
| Frontier SE King Cab 2WD | $220 | $400 | $538 | $32 | $162 | $1,352 | $113 |
| Frontier SE Crew Cab 2WD | $220 | $486 | $538 | $32 | $162 | $1,438 | $120 |
| Frontier Pro-4X King Cab 2WD | $254 | $486 | $538 | $32 | $162 | $1,472 | $123 |
| Frontier LE King Cab 2WD | $254 | $486 | $538 | $32 | $162 | $1,472 | $123 |
| Frontier SE King Cab 4WD | $254 | $400 | $430 | $26 | $128 | $1,238 | $103 |
| Frontier Pro-4X Crew Cab 2WD | $254 | $572 | $538 | $32 | $162 | $1,558 | $130 |
| Frontier LE Crew Cab 2WD | $254 | $572 | $538 | $32 | $162 | $1,558 | $130 |
| Frontier SE Crew Cab 4WD | $254 | $486 | $430 | $26 | $128 | $1,324 | $110 |
| Frontier LE King Cab 4WD | $286 | $486 | $430 | $26 | $128 | $1,356 | $113 |
| Frontier Pro-4X King Cab 4WD | $286 | $486 | $430 | $26 | $128 | $1,356 | $113 |
| Frontier Pro-4X Crew Cab 4WD | $286 | $486 | $430 | $26 | $128 | $1,356 | $113 |
| Frontier LE Crew Cab 4WD | $286 | $486 | $430 | $26 | $128 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in specific location which can revise coverage rates considerably.
Rate comparison for different deductibles
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following tables may help to illustrate the premium difference between low and high physical damage deductibles. The first set of prices uses a $100 deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $244 | $486 | $476 | $28 | $142 | $1,401 | $117 |
| Frontier SE King Cab 2WD | $286 | $486 | $476 | $28 | $142 | $1,443 | $120 |
| Frontier SE Crew Cab 2WD | $286 | $592 | $476 | $28 | $142 | $1,549 | $129 |
| Frontier Pro-4X King Cab 2WD | $328 | $592 | $476 | $28 | $142 | $1,591 | $133 |
| Frontier LE King Cab 2WD | $328 | $592 | $476 | $28 | $142 | $1,591 | $133 |
| Frontier SE King Cab 4WD | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Frontier Pro-4X Crew Cab 2WD | $328 | $698 | $476 | $28 | $142 | $1,697 | $141 |
| Frontier LE Crew Cab 2WD | $328 | $698 | $476 | $28 | $142 | $1,697 | $141 |
| Frontier SE Crew Cab 4WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Frontier LE King Cab 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Frontier Pro-4X King Cab 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Frontier Pro-4X Crew Cab 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Frontier LE Crew Cab 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Frontier XE King Cab 2WD | $178 | $328 | $476 | $28 | $142 | $1,152 | $96 |
| Frontier SE King Cab 2WD | $208 | $328 | $476 | $28 | $142 | $1,182 | $99 |
| Frontier SE Crew Cab 2WD | $208 | $400 | $476 | $28 | $142 | $1,254 | $105 |
| Frontier Pro-4X King Cab 2WD | $240 | $400 | $476 | $28 | $142 | $1,286 | $107 |
| Frontier LE King Cab 2WD | $240 | $400 | $476 | $28 | $142 | $1,286 | $107 |
| Frontier SE King Cab 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Frontier Pro-4X Crew Cab 2WD | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Frontier LE Crew Cab 2WD | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Frontier SE Crew Cab 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Frontier LE King Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Frontier Pro-4X King Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Frontier Pro-4X Crew Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Frontier LE Crew Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific location information which can affect price quotes noticeably.
We can estimate from the data above that using a $100 deductible will cost you about $25 more each month or $300 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average more than 16 months between claims, you would probably be better off by going with a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $127 |
| Average monthly premium for $500 deductibles (subtract): | – $102 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
Buying car insurance from Lubbock insurance agents
Some consumers prefer to buy from a licensed agent and that is OK! A good thing about price shopping on the web is that drivers can save money and get lower auto insurance rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is still important in Lubbock.
Once you complete this short form, your information is immediately sent to insurance agents in Lubbock that can give you free Lubbock auto insurance quotes and help you find cheaper coverage. You won’t need to do any legwork because quoted prices will be sent directly to your email. You can most likely find cheaper rates AND an agent nearby. If you need to get a price quote from a specific car insurance provider, feel free to go to their quote page and complete a quote there.
Lubbock auto insurance agents come in two flavors
If you’re trying to find a good Lubbock insurance agent, it helps to know the two different agency structures to choose from. Insurance agencies in Lubbock are categorized either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
These type of agents often have affiliation with several companies so they can quote policies with lots of companies and potentially find a lower price. If you want to switch companies, they simply move the coverage in-house without you having to go to a different agency.
If you are comparing car insurance prices, it’s recommended you get insurance quotes from at a minimum one independent agency to get the best comparison.
Listed below is a small list of independent insurance agents in Lubbock that may be able to give you free rate quotes.
The Shropshire Agency, Inc.
5812 66th St – Lubbock, TX 79424 – (806) 763-7311 – View Map
Circle Insurance
6520 University Ave – Lubbock, TX 79412 – (806) 797-4131 – View Map
All Write Insurance Agency
2413 20th St – Lubbock, TX 79411 – (806) 763-2886 – View Map
Exclusive Agents
Agents in the exclusive channel have only one company to place business with such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price.
The following is a short list of exclusive agencies in Lubbock who can help you get price quote information.
Mark Jennings – State Farm Insurance Agent
6301 19th St #4 – Lubbock, TX 79407 – (806) 792-4432 – View Map
Nelda Jett – State Farm Insurance Agent
3833 50th St #5 – Lubbock, TX 79413 – (806) 793-2857 – View Map
Allstate Insurance Agent: Patrick Bailey
6701 Aberdeen Ave Ste 2 – Lubbock, TX 79424 – (806) 798-1340 – View Map
Picking the best insurance agency needs to be determined by more than just a low price. Here are some questions you should ask.
- Will a damage claim use OEM or aftermarket replacement parts?
- Do the agents have professional certifications like CPCU or CIC?
- Do they get extra compensation for selling add-on coverages?
- How much will you save each year by using a higher deductible?
- If they are an independent agency in Lubbock, which companies do they recommend?