2016 Nissan Quest Car Insurance Rates – 5 Ways to Save

If shopping for insurance coverage quotes online is new to you, you can easily be confused by the vast assortment of insurers competing for business.

Compare insurance coverage quotes

When comparison shopping, there are several ways to compare rate quotes from different insurance companies. The easiest way by far to find the lowest Nissan Quest rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  1. The most efficient way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method saves time by eliminating repetitive form entry for each price estimate. A single form gets coverage cost estimates from several companies. This is by far the quickest method.
  2. A more time consuming way to get quotes online requires you to visit each company’s website and complete a new quote form. For sake of this example, let’s assume you want rates from Liberty Mutual, State Farm and Geico. In order to compare rates, you need to visit each site and enter your information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.
  3. The hardest method to compare price quotes is physically going to insurance agencies in your area. Quoting online eliminates the middleman unless your situation requires the professional assistance of a local agent. Although you can price shop online but have a local agent actually write the policy.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage information for every quote you compare. If you are comparing different liability limits it’s impossible to truly determine the lowest rate. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that comparing all the rates in your area will increase your chances of finding more affordable insurance.

Find hidden discounts on auto insurance

Auto insurance is easily one of your largest bills, but there are discounts available that may help make it more affordable. Some of these disounts will be visible when you get a quote, but some must be specifically requested before they will apply.

  • Driver Training Discounts – Taking a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
  • Paper-free Discount – Some insurance companies provide a small discount for buying your policy on your computer.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and that can save you a little bit as well.
  • Save over 55 – If you’re over the age of 55, you can get lower premium rates for Quest insurance.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you could save over 10 percent off each policy depending on the company.

Remember that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Some companies that may include these discounts are:

It’s a good idea to ask every prospective company the best way to save money. Depending on the company, some discounts may not apply to policyholders in every state. To see a list of auto insurance companies with the best auto insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.

These are some specific questions can help discover if you would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy only the required minimum liability coverage?
  • Can my teen drive my company car?
  • Should I buy full coverage?
  • Do I have coverage when using my vehicle for my home business?
  • What is UM/UIM insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Detailed coverages of your auto insurance policy

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage – This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills like pain medications, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability coverages – Liability coverage will cover damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, structural damage, emergency aid, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, damage from getting keyed, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Nissan Quest.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.