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: Nov 24, 2017

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Locating cheaper car insurance over the internet might seem difficult for people that are not comfortable with quoting and buying their car insurance online. Because there are so many insurers to choose from, how are we expected to be able to compare every one to find better prices?

If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. This article will help educate you on the most effective way to quote insurance and some tricks to saving. Nevertheless, consumers need to learn how insurance companies compete online and apply this information to your search.

Cheap insurance coverage

When comparison shopping, there are several ways to obtain and compare prices from different companies. One of the best ways to find the cheapest 1999 Nissan Quest insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished by using one of the methods below.

  1. The best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating repetitive form submissions to each individual insurance coverage company. One quote request gets prices estimates from all major companies. It’s definitely the quickest method.
  2. A different way to obtain and compare quotes online is to manually visit each individual company website to complete their respective quote request forms. For instance, let’s assume you want rates from Liberty Mutual, Esurance and State Farm. You would have to take the time to go to each site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.
  3. Even if you have time, the least recommended way of comparing rate quotes is making phone calls or going to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless your situation requires the trained advice of a local agent. If you prefer, some companies allow you to comparison shop your insurance online but have a local agent actually write the policy.

You can choose any of those ways to find more affodable coverage, but be sure you’re using the exact same coverages and limits on every quote. If you compare different coverage information it will be next to impossible to truly determine the lowest rate. Quoting even small variations in coverages could skew the results. Keep in mind that comparing more rates from different companies will increase your chances of finding more affordable insurance. Some insurance companies are not set up to provide price estimates online, so it’s recommended that you also compare prices from those companies as well.

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

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Use discounts on auto insurance

Insuring your fleet can be pricey, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked about prior to getting the savings. If you do not double check each discount available, you are just wasting money.

  • Passenger Safety Discount – Vehicles with factory air bags may qualify for discounts of 25 to 30%.
  • Low Mileage Discounts – Driving less could qualify for discounted auto insurancerates on garaged vehicles.
  • Accident-Free Discounts – Insureds with no claims or accidents have much lower rates when compared to accident-prone drivers.
  • Distant Student – College-age children who are attending college and do not have access to a covered vehicle could qualify for this discount.
  • Safe Driver Discounts – Drivers without accidents can save as much as half off their rates for Quest insurance than drivers with accident claims.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts could save 15% off the medical payments premium.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

To locate insurance companies that offer discounts, click this link.

Choices you make can impact your insurance rates

Part of the insurance buying process is learning a few of the rating criteria that aid in calculating your premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that will entitle you to better insurance rates. Lots of things are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, but some are less apparent like your continuous coverage and annual miles driven.

  • Infrequent drivers can save – The more you drive your Nissan annually the higher the price you pay to insure it. The majority of insurers charge to insure your cars partially by how you use the vehicle. Autos that sit idle most of the time can be on a lower rate level as compared to vehicles used primarily for driving to work. Incorrect rating for your Quest is just wasting money. Ask your agent if your insurance coverage reflects the correct usage, because it can save money.
  • Reserve policy claims for larger damages – If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Companies provide cheaper rates to drivers who are claim-free. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Avoid unnecessary add-on coverages – There are many extra bells and whistles that may not really be needed when buying insurance. Add-on coverages like rental car coverage, better glass coverage, and motor club memberships may be wasting your money. The coverages may be enticing when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • Location can affect price – Residing in less populated areas of the country can save you money when shopping for auto insurance. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims. Drivers in populated areas have to deal with more road rage incidents and more time behind the wheel. More time on the road means more chance of being in an accident.
  • Gender impacts costs – Over time, data shows that women are safer drivers than men. It does not mean females are better drivers. Both sexes get in accidents in similar numbers, but the men get into accidents with more damage. Men also tend to get more serious tickets like driving under the influence (DUI). Young males are the most expensive to insure and thus pay the highest rates.
  • Your stress level may be raising your insurance rates – Did you know your career choice can influence rates? Careers like lawyers, social workers and financial analysts usually pay the highest average rates because of intense work situations and lots of time spent away from family. Conversely, occupations like actors, historians and homemakers get better rates for Quest insurance.
  • More than one policy can earn a discount – Some companies will award a discount to buyers who have multiple policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, it’s in your best interest to compare other insurance prices to make sure you are getting the best deal. You may still save even more by splitting coverages up.
  • Single drivers take more risk – Getting married may earn you lower rates on your policy. Having a significant other means you’re more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Is my 1999 Nissan Quest covered for smoke damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I required to get a high-risk car insurance policy?
  • When can my company non-renew my policy?
  • What is no-fault insurance?
  • Are my friends covered when driving my 1999 Nissan Quest?
  • Is my dog or cat covered if injured in an accident?
  • How much liability coverage do I need in my state?
  • What is PIP insurance?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

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

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Car insurance policy coverages for a Nissan Quest

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, chiropractic care, hospital visits, EMT expenses and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane and hitting a bird. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.


This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Quest.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

A penny earned…

Consumers who switch companies do it for any number of reasons including lack of trust in their agent, poor customer service, delays in paying claims and even high rates after DUI convictions. No matter why you want to switch, finding the right insurance coverage provider can be easy and end up saving you some money.

The cheapest 1999 Nissan Quest insurance is possible both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not offer online price quotes and usually these regional carriers work with independent agents.

You just read a lot of information how to save on 1999 Nissan Quest insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive insurance coverage. Consumers may even find the lowest car insurance rates come from some of the smallest insurance companies.

Additional insurance coverage information is located at the links below