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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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to come up with a payment for pricey car insurance can draw down your savings account and force you to make tough financial choices.

Having so many insurance providers from which to choose, it can be hard to pick the cheapest insurance company.

Consumers should take time to take a look at other company’s rates as often as possible since prices trend upward over time. Despite the fact that you may have had the best quotes for Quest coverage a few years ago you can probably find a better rate now. Forget all the misinformation about car insurance because you’re going to learn the quickest way to find better rates and still maintain coverage.

How your Quest insurance prices are determined

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that are used to determine insurance coverage rates. If you understand what controls the rates you pay, this helps enable you to make changes that will entitle you to cheaper rates.

  • Teenage drivers pay high prices – Inexperience drivers tend to be more careless when driving with friends and because of this, their insurance coverage rates are much higher. If you’ve ever had to add a youthful driver onto a policy can be very expensive. Older insureds are more cautious drivers, are lower risk to insure and get fewer tickets.
  • Premiums may be lower depending on your vocation – Jobs like real estate brokerspolice officers and dentists usually pay higher premiums than the average policyholder in part from high stress and lengthy work days. On the flip side, professions such as farmers, engineers and performers have lower than average premiums for Quest coverage.
  • Having a spouse is a bonus – Having a wife or husband helps lower the price on your policy. Having a significant other demonstrates that you tend to be less irresponsible and it’s proven that married drivers tend to file fewer claims.
  • Gender and car insurance rates – Over the last 30 years, statistics show females are less aggressive when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes have accidents in similar percentages, but guys get into accidents with more damage. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure and therefore pay the highest rates.
  • Too many insurance claims drive up premiums – If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies award the best rates to insureds who are claim-free. Your insurance policy is intended to be relied upon for more catestrophic claims.

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

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How to buy auto insurance online

Most of the larger companies such as 21st Century, Allstate and State Farm provide pricing on their websites. Getting prices online is very simple because it’s just a matter of typing in your required coverages as detailed in the form. Once entered, the system gets your driving and credit reports and gives you a price quote based on the data you entered. This simplifies rate comparisons, but the process of having to visit many different websites and type in the same information is a big time waster. But it is imperative to have as many quotes as possible in order to get better auto insurance pricing.

Isn’t there an easier way to compare rates?

A less time-consuming method to compare rates uses one form that obtains quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons a lot less work. Immediately after you send the form, your coverage is rated and you can select any one of the quote results.

If you find a better price you can click and sign and purchase the new policy. It takes 15 minutes at the most and you will know how your current rates stack up.

To save time and find out if lower rates are available, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in coverages and limits just like they are on your policy. This helps ensure you will have a price comparison based on the exact same insurance coverage.

Insurance advertising tricks

Popular auto insurance providers such as 21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies advertise the message that you’ll save big just by moving your auto insurance coverage to their company. How can each company give you a better price? Just pay attention to how they say it.

Insurance companies give the best rates for the right customer that will be a good risk. For example, a preferred risk should be over the age of 40, has a clean driving record, and drives a vehicle with a low ISO rating. A driver that matches those criteria receive the lowest rate quotes and as a result will probably save if they switch.

Potential insureds who don’t qualify for those criteria will have to pay a higher rate and this can result in the customer buying from someone else. The ads say “people that switch” not “everybody who quotes” save the amount stated. This is how companies can truthfully make it sound like they have such great car insurance rates.

This emphasizes why you really need to compare rate quotes every year. It’s just too difficult to predict with any certainty which company will fit your personal profile best.

Cheaper car insurance rates with discounts

Some providers do not list all possible discounts in a way that’s easy to find, so we researched a few of the more common and also the more inconspicuous car insurance savings.

  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for Quest coverage compared to accident prone drivers.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
  • Low Miles Discount – Keeping the miles down on your Nissan may allow you to get slightly better premium rates than normal.
  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease for Quest coverage but check with your company.
  • Save over 55 – Older drivers could receive lower premium rates for Quest coverage.
  • Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
  • Clubs and Organizations – Belonging to qualifying clubs or civic groups could earn you a nice discount on car insurance.
  • Multi-car Discount – Buying coverage for all your vehicles on one policy can reduce rates for all insured vehicles.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, nobody gets a free ride.

Larger car insurance companies and some of the premium reductions they offer are outlined below.

  • American Family discounts include mySafetyValet, Steer into Savings, defensive driver, multi-vehicle, accident-free, bundled insurance, and early bird.
  • State Farm offers premium reductions for accident-free, good student, good driver, multiple policy, and Steer Clear safe driver discount.
  • 21st Century has savings for 55 and older, good student, homeowners, early bird, student driver, and theft prevention.
  • Travelers may offer discounts for multi-car, hybrid/electric vehicle, early quote, payment discounts, new car, continuous insurance, and good student.
  • GEICO offers discounts for five-year accident-free, emergency military deployment, military active duty, anti-lock brakes, good student, defensive driver, and multi-policy.

It’s a good idea to ask every insurance company how many discounts you can get. Some credits may not be available in every state. To view insurance companies that offer some of these discounts, follow this link.

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

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Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you may require specific advice.

  • How much can I save by bundling my policies?
  • Should I have combined single limit or split liability limits?
  • Does insurance cover tools stolen from my truck?
  • Is other people’s property covered if stolen from my vehicle?
  • Are my friends covered when driving my car?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you 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 your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, vandalism and theft. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, attorney fees, funeral expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for X-ray expenses, doctor visits, surgery, prosthetic devices and hospital visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

Collision coverage covers damage to your Quest resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Saving money makes a lot of cents

You just learned a lot of techniques to lower your 2002 Nissan Quest insurance car insurance rates. The key concept to understand is the more companies you get premium rates for, the higher your chance of finding the cheapest auto insurance. Drivers may discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. These companies can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.

Discount 2002 Nissan Quest insurance is definitely available from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer internet price quotes and these regional insurance providers only sell coverage through local independent agencies.

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