2018 Nissan NV Passenger Insurance Rates

Searching for cheaper insurance coverage rates for your Nissan NV Passenger? I can’t think of a single person who enjoys paying for insurance coverage, especially when they know the cost is too high. Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive lowest price

How to shop insurance online

Effectively comparing insurance prices can take hours if you don’t understand the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

All the larger companies enroll in a system where prospective buyers complete one form, and each participating company then returns a price quote determined by their information. This saves time by eliminating quote forms for each company you want a rate for. To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose which carriers to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make darn sure you compare equivalent information for every company. If you use unequal deductibles or liability limits it will be impossible to make a fair rate comparison.

Don’t overlook these auto insurance discounts

Some providers do not advertise all available discounts very well, so the list below contains both well-publicized and the more hidden discounts that may be available. If you are not receiving all the discounts possible, you are not getting the best rate possible.

• Multi-Vehicle Discounts – Drivers who insure multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
• Waiver for an Accident – This one isn’t a discount, but companies like State Farm and Progressive will forgive one accident without getting socked with a rate hike if your claims history is clear for a set time period.
• Accident-Free Discounts – Good drivers with no accidents pay much less when compared with accident-prone drivers.
• Early Signing – A few companies allow discounts for switching companies prior to the expiration date on your current policy. The savings is around 10%.
• College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
• Senior Citizens – If you’re over the age of 55, you could receive a small discount on rates on NV Passenger insurance.
• Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
• Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on NV Passenger insurance with select insurance companies.
• Military Rewards – Being deployed with a military unit may lower your prices slightly.

It’s important to note that most discount credits are not given to the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, that’s just not realistic.

Larger auto insurance companies and a summarized list of policyholder discounts are:

• Farm Bureau includes discounts for safe driver, driver training, youthful driver, multi-vehicle, and multi-policy.
• State Farm may have discounts that include Drive Safe & Save, good student, student away at school, multiple policy, defensive driving training, and accident-free.
• Progressive discounts include online signing, multi-policy, multi-vehicle, good student, and continuous coverage.
• Allstate offers premium reductions for anti-theft, safe driver, good student, FullPay discount, farm vehicle, and resident student.
• Nationwide policyholders can earn discounts including Farm Bureau membership, family plan, accident-free, anti-theft, multi-policy, and easy pay.
• MetLife has savings for good driver, defensive driver, claim-free, multi-policy, good student, accident-free

Before buying, ask every company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your area. If you would like to choose from a list of companies that provide some of the discounts listed above, follow this link.

When to get professional advice

When it comes to choosing the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Do I need replacement cost coverage?
• Is my custom paint covered by insurance?
• Am I covered when driving on a suspended license?
• Why am I required to buy liability insurance?
• Do I need motorclub coverage?
• Do I really need UM/UIM coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Is my cargo covered for damage or theft?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with 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 is quick, free and may give you better protection.

Insurance coverages explained

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding 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 insurance covers claims such as hitting a mailbox, rolling your car, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for funeral costs, prosthetic devices, doctor visits and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Nissan NV Passenger.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.