Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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I doubt anyone looks forward to paying premiums for insurance, in particular when their premiums are through the roof.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates and uncover the absolute best rate

How to get the cheapest auto insurance

When comparison shopping, there are several ways of comparing rates from auto insurance companies in your area. The fastest way to compare 1994 Nissan Quest insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for repetitive form submissions for each company. One simple form will get you rate comparisons from many national carriers.

A more difficult way to compare rate quotes is going to the website of each company and fill out their own quote form. For examples sake, let’s say you want rates from USAA, GEICO and American Family. You would need to visit each site to input your insurance information, which can get rather old.

For a handy list of car insurance company links in your area, click here.

Even if you have time, the least recommended way to get rate quotes is making phone calls or going to insurance agencies in your area. The ability to get quotes online can eliminate the need for a local agent unless you prefer the advice and guidance that only a licensed agent can provide. Although, it is possible get prices online and get advice from an agent in your area.

Which method you use is up to you, but make darn sure you compare nearly identical deductibles and coverage limits on every quote you get. If each company quotes higher or lower deductibles it will be nearly impossible to truly determine the lowest rate. Just slight variations in coverage limits may result in large price differences. And when comparison shopping, comparing more quotes provides better odds of finding the best price.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance quotes and discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that could help you make your next renewal payment. Certain discounts will be triggered automatically when you purchase, but some need to be requested specifically prior to getting the savings.

  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.
  • Organization Discounts – Joining specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but companies like GEICO and Liberty Mutual will turn a blind eye to one accident before raising your premiums so long as you are claim-free prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less on Quest coverage as compared to drivers with claims.
  • Multi-line Discount – Larger insurance companies have a discount if you purchase auto and life insurance together.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance with the same company they may give you a discount of up to 20% off your total premium.

Consumers should know that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of insurers who offer online car insurance quotes, click here to view.

Situations that may require an agent’s advice

When choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out whether your personal situation might need professional guidance.

  • Do I have coverage when making deliveries for my home business?
  • What if I don’t agree with a claim settlement offer?
  • Can I drive in Mexico and have coverage?
  • Is my teen driver covered when they drive my company car?
  • Do I need replacement cost coverage?
  • How do I file an SR-22 for a DUI in my state?
  • What is UM/UIM insurance?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

How your Quest insurance rates are determined

Consumers need to have an understanding of the different types of things that go into determining your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with cheaper rates.

  • Raising physical damage deductibles saves money – Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Nissan. Some examples of claims that would be covered are running into the backend of another car, hail damage, or theft. Your deductibles are how much you are required to spend in the event of a claim. The more damage repair cost you have to pay, the less your company will charge you for insurance on Quest coverage.
  • Extra policy coverages push up premiums – There are a ton of extra bells and whistles that can add up when buying insurance coverage. Add-on coverages like roadside assistance, towing, and term life insurance could be just wasting money. They may sound like good ideas when buying your policy, but your needs may have changed so think about removing them and cutting costs.
  • Theft deterrents save – Selecting a car model that has an advanced theft prevention system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • A insurance coverage policy lapse can increase insurance coverage rates – Allowing your insurance coverage policy to lapse is a guaranteed way to pay more for insurance coverage. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Use but don’t abuse your insurance – If you file claims often, don’t be surprised to see higher premiums or even policy non-renewal. Auto insurance companies generally give the lowest premiums to drivers who are claim-free. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Single vs. married – Being married may cut your premiums when shopping for insurance coverage. It generally demonstrates drivers are more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Insure your auto and home with one company – Most insurance companies apply a discount to policyholders that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, drivers will still want to compare rates to help ensure you have the lowest rates.
  • Excellent credit scores equal low costs – Having a bad credit score can be a huge factor in determining your rates. Insureds with very good credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings. If your credit history is low, you could pay less to insure your 1994 Nissan Quest by improving your credit score.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages for a Nissan Quest

Having a good grasp of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, damage from getting keyed and fire damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, colliding with another moving vehicle 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. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, nursing services, rehabilitation expenses, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, medical services, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Nissan Quest.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Don’t break the bank

When shopping online for insurance coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone dropped physical damage coverage and learned later that the savings was not a smart move. Your goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

There are still a few companies who do not offer online price quotes and these smaller providers provide coverage only through local independent agencies. Discount 1994 Nissan Quest insurance can be sourced on the web in addition to local insurance agencies, and you should be comparing both to have the best selection.

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