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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Buyers have lots of choices when searching for affordable Nissan Quest insurance. You can either waste hours contacting agents to compare prices or save time using the internet to find the lowest rates.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates for your Nissan and locate the cheapest rates from both online companies and local agents.

It is always a good idea to get comparison quotes every six months because insurance coverage prices are variable and change quite frequently. Even if you got the lowest rate for Quest coverage six months ago other companies may now be cheaper. There is a lot of wrong information about insurance coverage on the internet, but you can learn the best ways to slash your insurance coverage rates.

Affordable insurance quotes with discounts

Companies don’t list all disounts very clearly, so we researched some of the best known and also the more inconspicuous discounts you could be receiving when you buy insurance online. If they aren’t giving you every credit possible, you are just wasting money.

  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control prevent accidents so you can save 10 percent or more.
  • Professional Memberships – Joining a civic or occupational organization is a good way to get lower rates on your next insurance statement.
  • Own a Home and Save – Being a homeowner can get you a discount because owning a home is proof of financial responsibility.
  • Policy Bundle Discount – When you have multiple policies with the same company you may save as much as 10 to 15 percent.
  • Lower Rates for Military – Being on active deployment in the military can result in better rates.
  • Low Miles Discount – Keeping the miles down on your Nissan can qualify you for cheaper rates.
  • Government Employees – Active or former government employment could cut as much as 10% off for Quest coverage with a few insurance companies.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Larger insurance companies and their offered discounts are included below.

  • GEICO has savings for anti-lock brakes, seat belt use, multi-vehicle, federal employee, defensive driver, and air bags.
  • Mercury Insurance may offer discounts for multi-car, ease of repair, type of vehicle, professional/association, accident-free, and annual mileage.
  • Farmers Insurance discounts include teen driver, electronic funds transfer, good student, homeowner, early shopping, multi-car, and distant student.
  • Auto-Owners Insurance offers discounts including teen driver, paid in full, good student, air bags, group or association, multi-policy, and mature driver.
  • Liberty Mutual offers premium reductions for preferred payment discount, multi-car, safety features, newly married, multi-policy, and good student.
  • SAFECO offers discounts for accident prevention training, homeowner, teen safety rewards, anti-lock brakes, teen safe driver, and drive less.
  • Progressive may include discounts for multi-vehicle, homeowner, online quote discount, multi-policy, continuous coverage, and online signing.
  • USAA may have discounts that include multi-policy, military installation, vehicle storage, family discount, and good student.

When quoting, ask each company which credits you are entitled to. All car insurance discounts may not apply to policies in your area. If you would like to see a list of companies with the best discounts, click this link.

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

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Compare car insurance rate quotes

The majority of larger companies allow consumers to get prices for coverage direct online. Doing online price comparisons is quite easy as you just type in the coverage amounts you desire as detailed in the form. After you complete the form, the quote system will order your driving and credit reports and returns a price quote.

Online price estimates streamlines rate comparisons, but the time it takes to visit many different websites and type in the same data can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find better car insurance pricing.

The easiest way to find cheaper rates is to use a quote form to return rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much more efficient. After your information is entered, it is rated and you can select any or none of the quote results.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and could lower your rates considerably.

To find out what other companies charge, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you complete the form with the limits and deductibles exactly as they are listed on your policy. Doing this assures you’re receiving a fair comparison based on identical coverages.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • What if I don’t agree with a claim settlement offer?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when delivering products for my home-based business?
  • Should I get collision insurance on every vehicle?
  • Will my rates increase for filing one claim?
  • Is there coverage for injuries to my pets?
  • What is PIP insurance?
  • Does my insurance cover my expensive audio equipment?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 1996 Nissan Quest

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Quest.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage covers damage to your Quest caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole, damaging your car on a curb, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like nursing services, rehabilitation expenses, hospital visits and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, hail damage and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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

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Save your hard earned cash

There are still a few companies who may not offer internet price quotes and many times these small, regional companies sell through independent agents. Lower-priced 1996 Nissan Quest insurance is attainable on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money.

You just read many ideas to get a better price on 1996 Nissan Quest insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive insurance. Consumers could even find that the lowest prices are with a company that doesn’t do a lot of advertising.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, extreme rates for teen drivers, lack of trust in their agent and not issuing a premium refund. Whatever your reason, finding the right insurance provider is not as difficult as it may seem.

Additional insurance information can be read at the links below