Compare 2017 Nissan NV Passenger Car Insurance Rates

Looking for cheaper car insurance rates for your Nissan NV Passenger? I can’t think of anyone who looks forward to paying for car insurance, in particular when the prices are way too high. There are many insurers to insure vehicles with, and even though it’s nice to have multiple companies, having more insurers makes it harder to adequately compare rates.

Compare insurance rate quotes online

Effectively comparing insurance prices can be challenging if you don’t know the best way to get rate quotes. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize online quoting to maximize your effort.

Most major companies enroll in a system where insurance shoppers complete one form, and at least one company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions for every insurance company.

To find out how much you can save on insurance click here to start a free quote.

The only drawback to doing it this way is that you can’t choose which companies to receive prices from. So if you prefer to choose specific insurance companies to receive pricing from, we have a page of insurance companies in your area. Click to view list.

Which method you use is up to you, but do your best to enter the same coverages for each comparison quote. If you use unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

Verify you’re applying every discount

Some companies don’t always publicize every disount available very well, so we took the time to find a few of the more well known and the harder-to-find discounts that may be available. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Safety Course Discount – Taking a course teaching safe driver skills may get you a small discount and also improve your driving technique.
  • Club Memberships – Being a member of qualifying employment or professional organizations may earn a discount on your next car insurance statement.
  • Data Collection Discounts – Drivers who elect to allow their insurance company to track driving patterns by using a telematics device such as State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Discount for Swiching Early – Some car insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Waiver for an Accident – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage if you have no claims for a particular time prior to the accident.

As is typical with insurance, some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies and some of their more popular discounts include:

  • Progressive has discounts for good student, online signing, multi-vehicle, homeowner, and continuous coverage.
  • AAA has savings for multi-policy, AAA membership discount, education and occupation, good student, multi-car, and anti-theft.
  • Farmers Insurance policyholders can earn discounts including homeowner, electronic funds transfer, switch companies, distant student, bundle discounts, and youthful driver.
  • GEICO offers discounts including air bags, five-year accident-free, driver training, daytime running lights, and military active duty.
  • Esurance may include discounts for multi-policy, good driver, defensive driver, anti-lock brakes, emergency road assistance, Pac-12 alumni, and Switch & Save.
  • SAFECO offers discounts for teen safety rewards, bundle discounts, safe driver, anti-lock brakes, and anti-theft.
  • State Farm discounts include Steer Clear safe driver discount, multiple autos, safe vehicle, driver’s education, accident-free, student away at school, and good driver.

Check with each company which discounts they offer. Some discounts may not apply to policies in your area. To see a list of insurance companies who offer free car insurance quotes, click this link.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • At what point should I drop full coverage?
  • Does coverage extend to Mexico or Canada?
  • Is my ex-spouse still covered by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if I crash into my own garage door?
  • How do I file an SR-22 for a DUI in my state?
  • Does my insurance cover my expensive audio equipment?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

What determines Nissan NV Passenger insurance rates?

Smart consumers have a good feel for the different types of things that come into play when calculating your premiums. If you have some idea of what determines base rates, this allows you to make good choices that may reward you with cheaper rates.

  • Costs impacted by your city – Residing in less populated areas of the country can save you money if you are looking for the lowest rates. Lower population means reduced accidents and a lower car theft rate. Drivers in populated areas have more aggressive driving styles and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Raise comp and collision deductibles and save – The deductibles you choose state the amount of money the insured will be required to pay in the event of a claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims could be rearending another vehicle, hail damage, and having a roll-over accident. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance on NV Passenger coverage.
  • Gender impacts prices – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. They both cause accidents at a similar rate, but men have accidents that have higher claims. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • Getting married can lower premiums – Being married helps lower the price on your auto insurance policy. Having a spouse is viewed as being more responsible and insurance companies like that being married results in fewer claims.
  • Stress out and pay more – Do you work in a high-stress field? Jobs like real estate brokers, business owners and accountants are shown to have higher rates than the rest of us because of intense work situations and lots of time spent at work. Conversely, jobs like professors, students and retirees have the lowest average rates on NV Passenger coverage.

Insurance coverages 101

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Nissan NV Passenger.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Collision coverages – This coverage will pay to fix damage to your NV Passenger resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability – This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane, hitting a bird, damage from getting keyed and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, funeral costs, ambulance fees, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Best coverage at the best price

In this article, we covered some good ideas how you can shop for 2017 Nissan NV Passenger insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the biggest savings come from a small mutual company. Smaller companies often have lower car insurance rates on specific markets compared to the large companies like Allstate or State Farm.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

The cheapest 2017 Nissan NV Passenger insurance can be found both online in addition to many insurance agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance providers do not provide rates over the internet and usually these smaller providers only sell coverage through independent insurance agents.

Even more information is available at these sites: