Lower Your 1997 Nissan Quest Car Insurance Rates

Are you irritated from being strong-armed to insure your Nissan every month? You’re in the same situation as many other consumers. Having so many insurance companies to choose from, it is hard for the average consumer to pick the cheapest company.

It’s important to quote other rates periodically since prices change frequently. Despite the fact that you may have had the best rates for Quest coverage at your last renewal a different company probably has better premium rates today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to how to quote online to find better coverage at a better price.

How to get insurance quotes

Cutting your insurance rates is a fairly straight forward process. You just need to spend a few minutes on the computer comparing rate quotes to discover which company has cheap auto insurance quotes. It’s really simple and can be done by following the guidelines below.

• If you are pressed for time, the simplest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate forms for every company. Taking the time to complete one form gets prices estimates from many national carriers.
• Another way to analyze rates requires a visit to the website for every company you want to comare and repeat the quote process again and again. For example, we’ll assume you want to compare Allstate, Progressive and Farmers. You would need to go to each individual site and repeatedly enter your information, which can get old fast.

  For a list of links to insurance companies in your area, click here.

Compare rates however you want, just make sure you are using the same coverages and limits on every quote you get. If you use higher or lower deductibles then you won’t be able to determine the lowest rate for your Nissan Quest.

Get cheap car insurance with discounts

Companies don’t necessarily list all their discounts in a way that’s easy to find, so the below list has a few of the more well known as well as the least known discounts that you can inquire about if you buy auto insurance online.

• Multi-line Discount – Some insurance companies give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Multi-car Discount – Buying insurance for primary and secondary vehicles on the same car insurance policy could earn a price break for each car.
• Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 20 to 30 percent.
• Low Mileage – Fewer annual miles on your Nissan can earn substantially lower rates.
• One Accident Forgiven – Not really a discount, but some insurance companies will forgive one accident before raising your premiums if you have no claims for a specific time period.
• Resident Student – living away from home attending college and do not have access to a covered vehicle could get you a discount.
• Switch and Save Discount – Some companies provide a discount for renewing your policy prior to the expiration date on your current policy. It can save you around 10%.
• Save over 55 – Seniors may qualify for lower premium rates for Quest coverage.
• Active Military Service – Being on active duty in the military may qualify for rate reductions.
• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.

You can save money using discounts, but some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Large car insurance companies and the discounts they provide are:

• Geico offers discounts for membership and employees, driver training, air bags, seat belt use, military active duty, and daytime running lights.
• Mercury Insurance has discounts for annual mileage, accident-free, ease of repair, location of vehicle, and good driver.
• Farmers Insurance may have discounts that include switch companies, electronic funds transfer, early shopping, multi-car, alternative fuel, pay in full, and homeowner.
• Auto-Owners Insurance may offer discounts for safe driver, company car, teen driver, anti-theft, paid in full, paperless, and group or association.
• Liberty Mutual policyholders can earn discounts including multi-car, multi-policy, newly retired, new move discount, exclusive group savings, and new vehicle discount.
• SAFECO offers discounts including multi-car, safe driver, teen safety rewards, drive less, and accident prevention training.
• Progressive has savings for homeowner, online quote discount, multi-policy, multi-vehicle, continuous coverage, good student, and online signing.
• USAA includes discounts for annual mileage, safe driver, military installation, vehicle storage, driver training, loyalty savings, and multi-vehicle.

If you need low cost auto insurance quotes, ask each company to apply every possible discount. Depending on the company, some discounts may not be available in your area. To see a list of insurance companies that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

• What exactly is covered by my policy?
• What is medical payments coverage?
• How do I insure my teen driver?
• Am I covered if hit by an uninsured driver?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• I don’t drive much so do I pay less?
• When should I buy a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Liability

This protects you from damage or injury you incur to people or other property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, repair costs for stationary objects, court costs, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This pays for damage to your Quest caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, surgery, funeral costs, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer, a broken windshield, hitting a bird and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.