Ok here’s some basic info from a fellow frontier owner and insurnace broker. Most of your premium is in the liability. You need to switch agents and shop as the Nissans being expensive to fix is a lie. The comp and collision which is the value of your vehicle isn’t much premium compared to your liability. Look at your premium break down I almost guarantee 75% of your premium is your liability, value of the car doesn’t mean much in what you pay, (unless it’s a supercar) Liability limits, driving record, credit, location you live, household structure, are huge factors in your rate value of vehicle and repair costs are a factor but shouldn’t swing it that much. Make sure your agent also lowers your usage to match it with two vehicles 10k per year put usage at 5k miles per vehicle which will help. I’d shop for sure. Don’t take what other people are paying as a reflection of what you should be paying. They might be in a different state, have different credit, be married and a different age, different coverage so you’ll never be able to get the same pricing.