2014 Nissan Quest Car Insurance Quotes

Searching for the cheapest insurance coverage rates? Consumers have many options when looking for the lowest priced Nissan Quest insurance. They can either spend hours calling around trying to get quotes or utilize the internet to make rate comparisons. There are more efficient ways to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for a new or used Nissan and obtain the lowest price from both online companies and local agents.

It’s important to take a look at other company’s rates occasionally since prices go up and down regularly. Just because you found the best deal on Quest insurance on your last policy you can probably find a better rate quote now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the proper way to find better coverage at a better price.

Auto insurance rates and discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to help offset the cost. Many discounts should be triggered when you quote, but less common discounts must be asked about in order for you to get them.

  • Claim-Free Discount – Drivers who don’t have accidents have much lower rates when compared to accident-prone drivers.
  • 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for lower premium rates on Quest insurance.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. You can save around 10% with this discount.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could save 5% or more if your company offers it.
  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.

Remember that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, nobody gets a free ride. But any discount will bring down your overall bill.

The best auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • Esurance has discounts for defensive driver, multi-policy, homeowner, safety device, Pac-12 alumni, and good driver.
  • The Hartford discounts include air bag, vehicle fuel type, bundle, anti-theft, and good student.
  • AAA offers premium reductions for good student, good driver, pay-in-full, education and occupation, and AAA membership discount.
  • GEICO includes discounts for daytime running lights, anti-lock brakes, multi-vehicle, multi-policy, emergency military deployment, and federal employee.
  • State Farm may have discounts that include good driver, Steer Clear safe driver discount, safe vehicle, multiple policy, and multiple autos.

Check with each insurance company which discounts they offer. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Find Nissan Quest insurance at a discount

Many different elements are used when quoting car insurance. Some are obvious like your driving record, but other factors are not quite as obvious like your vehicle usage or how financially stable you are.

  • Your stress level may be raising your car insurance rates – Did you know your job can affect your rates? Occupational choices like fire fighters, executives and medical professionals are shown to have higher premium rates attributed to intense work requirements and long work days. Other jobs like scientists, students and retirees have lower than average premiums on Quest insurance.
  • Teen vs. experienced drivers – Teen drivers are known to be inattentive when driving so they pay higher car insurance rates. Parents adding a first-time driver onto a policy can be quite pricey. Older drivers have been proven to be more responsible, cause fewer claims and accidents and are safer drivers.
  • Choose high NHTSA crash test ratings and save – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce injuries and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders. If the Nissan Quest is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Your liability insurance limits – Liability insurance will provide protection when you are responsible for damages from an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Eliminate incidental coverages – Insurance policies have a lot of optional add-on coverages that may not really be needed when buying car insurance. Coverages like vanishing deductibles, towing coverage, and motor club memberships are examples of these. These may sound like a good investment when buying your policy, but if they’re wasting money eliminate them to save money.
  • Where do you drive? – Driving more miles annually the more you will pay for car insurance. A lot of insurance companies rate vehicles based upon how much you drive. Vehicles that sit idle most of the time receive lower rates than those that get driven frequently. Make sure your policy is showing the correct driver usage, because improper ratings can cost you money. An incorrectly rated Quest can cost quite a bit.
  • Save money with higher physical damage deductibles – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Nissan. Examples of covered claims are a dented fender, hail damage, and windstorm damage. Deductibles for physical damage state the amount of money you are willing to pay if a claim is determined to be covered. The higher the amount you choose to pay out-of-pocket, the lower your rates will be on Quest insurance.
  • Your address can impact rates – Residing in a small town has it’s advantages when buying car insurance. Fewer people means reduced accidents and also fewer theft and vandalism claims. City drivers have to deal with more road rage incidents and more time behind the wheel. The longer drive time can result in more accidents.

Situations that may require an agent’s advice

When buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique.

For instance, these questions could help you determine whether or not you could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Does my insurance cover my expensive audio equipment?
  • What if I total my 2014 Nissan Quest and owe more than it’s worth?
  • Am I missing any policy discounts?
  • How many claims can I have before being cancelled?
  • Do I have coverage when pulling a U-Haul trailer?
  • How do I buy GAP insurance?
  • Is business property covered if stolen from my car?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

But they said I’d save $385 a year!

Consumers can’t avoid all the ads that promise big savings for switching by companies like State Farm and Allstate. They all seem to tend to make the same promise that you can save if you get a free insurance coverage quote and switch your auto insurance coverage to their company.

How do they all cost less than your current company? Here is how they do it.

Insurance providers offer their best rates for a prospective insured they prefer to insure. One example of a desirable insured might have to be between the ages of 40 and 55, has no driving citations, and has great credit. A customer who matches that profile will most likely get cheap premium rates and most likely will pay quite a bit less when switching companies.

People who are not a match for the requirements will probably be forced to pay higher premiums which translates to the driver buying from a lower-cost company. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can confidently make it sound like they have such great premium rates. Each company has different criteria, so you really need to get a wide range of price quotes. It’s impossible to know which company will provide you with the cheapest car insurance rates.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, damage from getting keyed, falling objects and a broken windshield. 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 it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability – This coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as emergency aid, court costs, repair costs for stationary objects, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills for hospital visits, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

One last thing about your coverage

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice liability coverage limits only to regret that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Cheaper car insurance can be purchased both online in addition to local insurance agencies, so you need to shop insurance coverage with both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent agencies.

Consumers leave their current company for a variety of reasons including not issuing a premium refund, delays in paying claims, extreme rates for teen drivers and even policy non-renewal. Regardless of your reason, choosing a new insurance company is easier than you think.

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