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: Jul 13, 2018

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Looking for better auto insurance rates for your Nissan Quest? Purchasing lower-cost auto insurance can appear to be overwhelming for drivers who are beginners to quoting and shopping for insurance on the internet. Since there are so many companies competing online, how are we expected to possibly compare every company in order to find the cheapest available price?

Discounts for cheaper auto insurance quotes

Insuring your fleet can be pricey, but companies offer discounts that may help make it more affordable. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be manually applied before being credited.

  • Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles on one policy could earn a price break for each car.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get substantially lower prices.
  • No Charge for an Accident – but some companies like State Farm, Progressive and GEICO will allow you to have one accident before your rates go up if you have no claims prior to being involved in the accident.
  • Discount for Passive Restraints – Options like air bags may earn rate discounts of 20% or more.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.

A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky.

To see a list of insurance companies that have a full spectrum of discounts, click here.

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

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Lower your insurance costs

The best way to find cheaper insurance is to take a look at the different types of things that go into determining insurance rates. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that could result in big savings. Lots of things are used in the calculation when pricing auto insurance. Some are obvious like an MVR report, although others are less obvious like your vehicle usage or how safe your car is.

The list below includes some of the factors that factor into your prices.

  • Teenagers vs. mature drivers – Teen drivers are proven to get distracted easily when at the wheel of a vehicle and because of this, their insurance rates are much higher. Having to add a teenage driver onto your insurance can break the bank. Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.
  • When should you not file a claims? – If you are a frequent claim filer, you can look forward to higher rates. Car insurance companies provide the lowest premiums to people who only file infrequent claims. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Is insurance coverage cheaper for females or males? – Over time, data shows women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. Both sexes tend to get into fender benders in similar percentages, but men cause more damage and cost insurance companies more money. Men also tend to receive more major tickets such as reckless driving. Males from age 16 to 21 have the highest risk to insure and thus pay the highest rates.
  • Lower rates for safer vehicles – Safe vehicles get lower rates. Vehicles engineered for safety protect occupants better and lower injury rates translates directly to fewer claims and more competitive rates for policyholders. If your Nissan earned at least four stars on it may be receiving lower rates.
  • Car insurance liability coverage limits – Liability insurance will afford coverage if ever a court rules you are at fault for personal injury or accident damage. Liability provides you with a defense in court up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Bad drivers pay high premiums – How you drive has a big impact on rates. Even a single ticket can bump up the cost twenty percent or more. Attentive drivers get better prices than bad drivers. Drivers with multiple citations like DUI or reckless driving may need to prove financial responsibility with the DMV in their state in order to prevent a license revocation.
  • High credit scores save money – Credit score factor in determining what you pay for insurance. Insureds with good credit tend to be more responsible than drivers with lower ratings. If your credit could use some work, you may save money insuring your 1997 Nissan Quest by improving your credit score.
  • Physical damage deductibles – Deductibles for physical damage are how much you are required to pay if you file a covered claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be collision with another vehicle, collision with a deer, and damage caused by road hazards. The larger the amount the insured is willing to pay, the less your company will charge you for insurance on Quest coverage.

You may need specialized car insurance coverage

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • How can I force my company to pay a claim?
  • Where can I find DUI or SR-22 insurance?
  • Am I better off with higher deductibles on my 1997 Nissan Quest?
  • Which is better, split liability limits or combined limits?
  • How do I buy GAP insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage basics

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage covers damage to your Quest resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, chiropractic care and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverage – This protects you from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, emergency aid, bail bonds and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1997 Nissan Quest.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

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

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Make an honest buck

Drivers leave their current company for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, high rates after DUI convictions or extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

When searching for cheap insurance quotes, do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage only to discover later that they should have had better coverage. Your goal should be to buy the best coverage you can find at the best price, but do not skimp to save money.

We just presented a lot of tips how to shop for 1997 Nissan Quest insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a lesser-known regional company.

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