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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Trying to find the cheapest car insurance rates for your Nissan Quest? Tired of being strong-armed to buy car insurance? You are no different than millions of other vehicle owners.

You have so many car insurance companies to buy insurance from, and although it’s nice to have a choice, having more insurers makes it harder to compare company pricing.

You need to shop coverage around every six months due to the fact that insurance prices fluctuate regularly. Just because you found the lowest rates on Quest coverage a couple years back you may be paying too much now. Block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

How to shop insurance coverage online

When comparison shopping, there are several ways to compare quotes from all the different companies. The simplest method to find the lowest Nissan Quest rates is to jump online and get quotes. This is very easy and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This style of form saves time by eliminating a different quote for every insurance coverage company. Just one form compares rates instantly.
  • A different way to analyze rates is going to each individual company website and repeat the quote process again and again. For sake of this example, we’ll assume you want comparison quotes from Nationwide, Farmers and State Farm. You would be required to spend time going to each site individually and enter your policy data, which is not fast way to get rate quotes. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to enter the same coverages and limits with each company. If you enter different data it will be nearly impossible to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. It’s important to know that comparing a wide range of rates gives you a better chance of getting a lower rate.

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

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These discounts can cut insurance rates

Not too many consumers would say insurance is affordable, but there are discounts available that may help make it more affordable. Certain reductions will be credited at the time of quoting, but lesser-known reductions have to be asked about prior to receiving the credit.

  • Military Discounts – Having a family member in the military may lower your rates slightly.
  • Student Discount for Driver Training – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
  • No Charge for an Accident – but a few companies such as Allstate and Progressive will let one accident slide without the usual rate increase if you have no claims prior to the accident.
  • Discounts for Multiple Vehicles – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Claim Free – Insureds with no claims or accidents can save substantially when compared with frequent claim filers.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying your policy on your computer.

We need to note that many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works.

If you would like to see a list of insurers with discount insurance rates, click this link.

Components of your Nissan Quest insurance costs

Many different elements are used when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent like your vehicle usage or your commute time.Smart consumers have a good feel for some of the things that help calculate the rates you pay for insurance coverage. If you have a feel for what determines premiums, this allows you to make educated decisions that can earn you lower insurance coverage prices.

The factors shown below are some of the items insurance coverage companies consider when setting prices.

  • Commute or pleasure use – The higher the miles on your Nissan in a year the more it will cost to insure it. The majority of insurers charge rates based on their usage. Autos that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance coverage coverage is rated on the correct usage, because it can save money. A policy that improperly rates your Quest may be wasting your money.
  • Insurance coverage policy lapses lead to higher insurance coverage rates – Having a lapse in insurance coverage is a fast way to increase your rates. Not only will rates go up, failure to provide proof of insurance will get you fines and jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Mature drivers are lower risk – Drivers with little experience tend to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher. If you’ve ever had to add a first-time driver onto a policy will cause a huge premium hike. Mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Vehicles with better crash test results save money – Cars with high safety ratings get lower rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Drivers with excellent credit save – Having a good credit score will be a significant factor in determining your rates. Insureds that have high credit ratings tend to be less risk to insure than those with lower ratings. Therefore, if your credit score leaves room for improvement, you could pay less to insure your 1995 Nissan Quest by spending a little time repairing your credit.
  • High comp and collision deductibles lower rates – Physical damage deductibles tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some examples of claims that would be covered could be rearending another vehicle, fire damage, and having a roll-over accident. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Quest coverage.
  • City dwellers may pay more – Residing in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. Drivers in populated areas tend to have more road rage incidents and more time behind the wheel. Fewer people means less chance of accidents and also fewer theft and vandalism claims.

When do I need an agent’s advice?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether you would benefit from an agent’s advice.

  • What is an SR-22 filing?
  • Am I covered when delivering products for my home-based business?
  • Is my trailer covered?
  • Am I covered if I break a side mirror?
  • Is there coverage for injuries to my pets?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

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

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Don’t believe everything you hear

Respected companies like 21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. All the ads convey the message about saving some big amount if you change your policy. How does each company sell you cheaper insurance coverage?

Many companies give the best rates for a prospective insured that is profitable for them. For example, a profitable insured may need to be a married male, has a low-risk occupation, and the vehicle is rated for pleasure use. Any new insured who fits that profile gets the lowest premium rates and will most likely save a lot of money.

People who don’t meet those standards will see higher premiums and this results in the driver buying from a lower-cost company. The trick is to say “customers who switch” not “everybody who quotes” save that much money. That is how insurance companies can make the claims of big savings.

Because of these techniques, drivers should get insurance coverage quotes from several different companies. It’s impossible to know the company that will provide you with the cheapest car insurance rates.

Specific coverages for a Nissan Quest

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.

Collision – Collision coverage will pay to fix damage to your Quest from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Quest.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, prosthetic devices, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, falling objects and hitting a bird. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – This will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible.

In Summary

Affordable 1995 Nissan Quest insurance is definitely available both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not have online price quotes and these regional insurance providers only sell through independent agents.

We just showed you many tips how you can reduce 1995 Nissan Quest insurance auto insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest auto insurance rates come from a smaller regional carrier. These companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

Additional detailed information can be found in these articles: