1993 Nissan Quest Insurance Cost – 10 Ideas for Best Prices

Trying to find better car insurance rates for your Nissan Quest? Scraping up a payment for high-priced Nissan Quest insurance can draw down your monthly budget and make it hard to pay other bills.

Due to the large number of car insurance companies to choose from, it can be diffult for people to pick a lower cost company.

It’s a great practice to do price comparisons quite often because prices fluctuate regularly. Despite the fact that you may have had the best rates on Quest insurance a couple years back there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use the internet to reduce your cost while improving coverage.

Buying the cheapest protection can be fairly easy. Basically, everyone who buys insurance coverage most likely will be able to find lower rates. Although drivers can benefit by having an understanding of how the larger insurance companies sell insurance online and apply this information to your search.

Ways to get insurance coverage price quotes

To find inexpensive auto insurance quotes, there are several ways of comparing price quotes from local insurance coverage companies. The easiest way by far to find the lowest 1993 Nissan Quest rates is to use the internet to compare rates. It is quite easy and can be accomplished by using one of the methods below.

If you don’t have a lot of time, the easiest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating multiple quote forms for each price estimate. Filling out one form gets prices estimates from multiple companies.

A more difficult way to shop for insurance coverage online requires you to visit the website for each individual company and fill out a new quote form. For example, we’ll assume you want to view quotes from Geico, Safeco and Travelers. To find out each rate you need to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make sure you use equivalent coverages on every quote you get. If your comparisons have different liability limits it will be nearly impossible to make a fair rate comparison. Having just a slight variation in coverage limits could skew the results. It’s important to know that more quotes will enable you to find the best price.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • How much liability do I need to cover my assets?
  • Is a blown tire covered by insurance?
  • What is the minimum liability in my state?
  • Is my 1993 Nissan Quest covered for smoke damage?
  • How high should my medical payments coverage be?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Knowing the specifics of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Liability car insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, court costs and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, funeral costs, doctor visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This covers damage to your Quest resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, crashing into a ditch, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding, damage from getting keyed and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Quest.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.