2013 Nissan NV Insurance Rates – 5 Savings Tips

Searching for the cheapest insurance coverage rates for your Nissan NV? Are you at wits end from sacrificing to keep your car insured? You are no different than millions of other drivers. Because there are so many options when it comes to insurance coverage, it can be hard to pick the cheapest insurer.

You should make it a habit to get comparison quotes as often as possible because insurance coverage prices change regularly. Even if you think you had the lowest rates on NV insurance two years ago a different company probably has better rate quotes today. There is too much inaccurate information about insurance coverage on the internet, but in a few minutes you can learn some great ideas on how to buy insurance coverage cheaper.

The cheapest insurance

There are a lot of ways to compare insurance quotes, but one way is easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could use online quoting for quick rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company can provide price quotes determined by their information. This saves time by eliminating quote requests for each company you want a rate for.

To compare rates using this form now click to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which companies you want to price. So if you prefer to choose individual companies to request quotes from, we put together a list of companies who write insurance in your area. View list of insurance companies.

Whichever method you choose, ensure you are comparing the exact same coverages on every quote. If your comparisons have differing limits you can’t possibly determine which rate is truly the best.

These five discounts can reduce car insurance rates

Some insurers don’t always list all their discounts very clearly, so the list below details some of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Smart Student Discounts – This discount may save you up to 25%. Most companies allow this discount up until you turn 25.
  • Save over 55 – If you’re over the age of 55, you could receive a small decrease in premiums on NV insurance.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a break if you buy some life insurance too.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.

As a sidenote, most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies who might offer these benefits are:

If you need lower rates, check with every prospective company how many discounts you can get. Depending on the company, some discounts might not be offered on policies in your area. To find providers that have a full spectrum of discounts, click here to view.

When do I need an agent’s advice?

When choosing the best insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Is my Nissan NV covered if I use it for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy pay for OEM or aftermarket parts?
  • What if I owe more than I can insure my car for?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your car insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types available from car insurance companies.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan NV.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, rock chips in glass and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as funeral expenses, bail bonds and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for doctor visits, hospital visits and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, backing into a parked car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.