Cheaper 1997 Nissan Quest Car Insurance Rates

Looking for the cheapest insurance rates for your Nissan Quest? Have you had enough of sacrificing to insure your Nissan every month? Your situation is no different than many other consumers. People have many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to find the best rates for your vehicles.

It’s a great practice to do rate comparisons before your next renewal since prices change regularly. Even if you got the best price on Quest coverage two years ago you can probably find a better rate now. You can find a lot of misleading information regarding insurance online but in this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

Lower rate quotes by getting discounts

Some providers do not list every discount they offer very clearly, so we researched both the well known and the harder-to-find ways to save on car insurance. If you don’t get every credit possible, you may be paying too high a price.

  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less on Quest coverage than their less cautious counterparts.
  • Save over 55 – Drivers that qualify as senior citizens may qualify for a small decrease in premiums on Quest coverage.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Renewal Discounts – A few insurance companies give discounts for renewing your policy before your current expiration date. Ten percent is about the average savings.
  • Buy New and Save – Buying a new car model can save up to 30% because new model year vehicles keep occupants safer.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • E-sign – Certain larger companies will discount your bill up to fifty bucks for buying your policy on the web.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • Distant Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free car insurance policy, you aren’t that lucky.

Some of the larger companies that may offer quotes with some of the discounts shown above include:

Check with every insurance company which discounts you qualify for. Depending on the company, some discounts may not apply in your state. To find insurers with discount rates, click here.

How much is auto insurance?

Finding cheaper 1997 Nissan Quest auto insurance quotes is a fairly straight forward process. Consumers just need to take a few minutes to compare rate quotes to discover which company has cheap insurance coverage quotes. This can be done by using one of the methods below.

  • One of the best ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form submissions for every prospective company. Completing one form gets prices estimates from auto insurance companies with the best prices.
  • A different way to find lower rates is to manually visit the website of each company and fill out a new quote form. For examples sake, let’s say you are doing a rate comparison from Allstate, 21st Century and Farmers. You would need to take the time to go to each site and punch in your information repeatedly, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, do your best to enter nearly identical quote information with each company. If your comparisons have mixed coverages you can’t possibly find the best deal for your Nissan Quest.

Your car insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Is rental equipment covered for theft or damage?
  • Is extra glass coverage worth it?
  • Will I lose any money if I cancel my policy before it expires?
  • What is no-fault insurance?
  • Should I get collision insurance on every vehicle?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Collision coverages – Collision coverage covers damage to your Quest caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1997 Nissan Quest.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, funeral costs, nursing services and ambulance fees. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability – Liability insurance protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, loss of income, repair bills for other people’s vehicles, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A tidy conclusion

We just presented many ideas to reduce 1997 Nissan Quest insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even discover the best price on auto insurance is with a lesser-known regional company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

When searching for inexpensive insurance coverage quotes, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

To learn more, feel free to browse these articles: