2014 Nissan Quest Car Insurance Quotes – 5 Tips for Cheapest Rates

Searching for cheaper insurance for a new or used Nissan Quest can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find insurance online so we’re going to tell you the absolute fastest way to quote coverages for a new or used Nissan and locate the lowest price.

Consumers need to compare rates before your next renewal because insurance prices change regularly. If you had the best deal on Quest insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to teach you the best methods to remove unneeded coverages and save money.

The best way we recommend to compare insurance rates from multiple companies is to know all the major auto insurance companies pay for the opportunity to give free rates quotes. The one thing you need to do is provide details including if you require a SR-22, what you do for a living, if you are currently licensed, and an estimate of your credit level. That rating information is automatically sent to multiple companies and they return rate quotes almost instantly.

Insurance coverage savings promises

Consumers can’t get away from ads for the lowest price insurance coverage by Geico, State Farm and Progressive. All the ads state the claim that you can save if you change your policy.

Is it even possible that every company can give you a better price? It’s all in the words they use.

Different companies quote their cheapest rates for the type of driver that earns them a profit. A good example of a driver they prefer may need to be between the ages of 30 and 50, has no driving citations, and has a short commute. Any driver who matches that profile will get a cheap rate quote and will save some money.

People who do not match the “perfect” profile must pay a higher rate and the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “all drivers who get quotes” save money. This is how insurance companies can confidently advertise the savings.

This really drives home the point why you need to compare quotes as often as possible. Because you never know the company that will have the lowest rate quotes.

Save a ton by taking advantage of these five discounts

Companies that sell car insurance don’t always publicize every policy discount in a way that’s easy to find, so the following is a list of some of the more common and the more hidden credits available to you.

  • Accident Forgiveness Coverage – Not really a discount, but companies like Geico, Allstate and Liberty Mutual will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims for a set time period.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
  • Discount for Home Ownership – Owning a home may trigger a policy discount on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
  • Online Discount – A few larger online companies provide a small discount for buying your policy on the internet.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, nobody gets a free ride. But any discount will cut your overall premium however.

To see a list of insurers with the best insurance discounts, click here to view.

How much auto insurance do I need?

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • How high should deductibles be on a 2014 Nissan Quest?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • How does medical payments coverage work?
  • Am I covered if my car is in a flood?
  • Which companies will insure high-risk drivers?
  • Does liability extend to a camper or trailer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability coverage provides protection from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income, repair costs for stationary objects, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, fire damage and damage from flooding. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for dental work, pain medications, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Quest resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.

Cheaper insurance is a realistic goal

Cheaper 2014 Nissan Quest insurance is available on the web and with local insurance agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer online rate quotes and most of the time these small insurance companies only sell coverage through independent agencies.

When shopping online for insurance coverage, do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Insureds who switch companies do it for a variety of reasons including high prices, high rates after DUI convictions, being labeled a high risk driver or extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

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