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: Jun 9, 2018

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Searching for better insurance rates for your Nissan Quest? Pricey insurance can diminish your checking account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Numerous insurance companies battle for your business, and because of this it can be hard to compare insurers to find the absolute lowest rate possible.

If you have a policy now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding the best rates is not that difficult. Drivers just need to understand the best way to compare price quotes on the web.

Free car insurance price quotes

Getting cheaper 2005 Nissan Quest car insurance pricing is not a difficult process. Just take time to get quotes to find the company with low cost insurance coverage quotes. Price comparisons can be done by following the guidelines below.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotes for every prospective company. One form submission will get you price quotes from car insurance companies with the best prices.
  • A slightly less efficient method to compare prices is to manually visit each company website and repeat the quote process. For example, we’ll pretend you want rates from USAA, Liberty Mutual and Travelers. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • Even if you have time, the least recommended method to price shop rates is to spend time driving to insurance agents’ offices. The internet eliminates this option unless you prefer the extra assistance of a local agency. Some companies do allow you to find lower rates online but still have the advice of a local agent.

Whichever way you choose to compare rates, ensure you are comparing exactly the same coverage information for every company. If you use differing limits it’s not possible to get a fair rate comparison.

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

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Cheaper car insurance rates with discounts

Auto insurance companies don’t list every policy discount in an easy-to-find place, so below is a list both well-publicized and the more hidden credits available to you.

  • Active Military Service – Being deployed in the military could qualify you for better rates.
  • Multi-car Discount – Buying a policy with multiple cars with the same car insurance company may reduce the rate for each vehicle.
  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more for Quest coverage than less cautious drivers.
  • Employee of Federal Government – Active or retired federal employment may reduce rates when you quote insurance coverage for Quest coverage with certain companies.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts of more than 20%.
  • Homeowners Discount – Just being a homeowner can save you money since owning and maintaining a home requires personal responsibility.
  • Sign Online – A handful of larger companies will discount your bill up to fifty bucks just for signing your application online.
  • Early Signing – Some insurance companies give discounts for switching companies before your current policy expires. Ten percent is about the average savings.

As a sidenote, most discount credits are not given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

A list of companies and a partial list of their discounts are included below.

  • American Family discounts include good student, TimeAway discount, early bird, Steer into Savings, multi-vehicle, and bundled insurance.
  • State Farm has discounts for good student, accident-free, defensive driving training, anti-theft, passive restraint, and student away at school.
  • 21st Century offers discounts for automatic seat belts, anti-lock brakes, defensive driver, air bags, 55 and older, driver training, and homeowners.
  • Travelers may offer discounts for driver training, multi-policy, home ownership, new car, and IntelliDrive.
  • GEICO offers premium reductions for daytime running lights, five-year accident-free, good student, emergency military deployment, anti-theft, and defensive driver.

If you are trying to find the cheapest insurance coverage quotes, ask all companies you are considering which discounts you qualify for. Savings might not apply in every state.

Choices you make can impact your insurance prices

Lots of things are used when you get your auto insurance bill. Some factors are common sense such as your driving history, although some other factors are not quite as obvious like your continuous coverage or your financial responsibility.An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating your premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

The list below includes a few of the things utilized by car insurance companies to help set rates.

  • Improve your credit history – A driver’s credit history is a big factor in determining what you pay. So if your credit score could use some work, you could be paying less to insure your 2005 Nissan Quest if you improve your credit rating. Insureds with excellent credit scores tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
  • Rates can change based on your address – Having an address in less populated areas of the country is a good thing when shopping for auto insurance. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have congested traffic and higher rates of accident claims. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Save money with higher comp and collision deductibles – The deductibles define how much the insured will be required to pay before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more you are required to pay out-of-pocket, the lower your rates will be for Quest coverage.
  • Marriage brings a discount – Having a spouse may earn you lower rates on your policy. Having a spouse generally demonstrates drivers are more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
  • Companies want multiple policies – Most major insurance coverage companies afford lower prices to buyers who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates.
  • Premiums increase with driving tickets – Your driving citation history impacts premiums far more than you think. Having a single driving citation may cause rates to rise by as much as twenty percent. Attentive drivers pay less for auto insurance than their less careful counterparts. Drivers who have serious citations such as DUI or reckless driving may need to complete a SR-22 with their state motor vehicle department in order to legally drive.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Am I covered when driving someone else’s vehicle?
  • Does medical payments coverage apply to all occupants?
  • When should I remove comp and collision on my 2005 Nissan Quest?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do all my vehicles need collision coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

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

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Do insurance coverage companies bend the truth?

Drivers can’t get away from all the ads for insurance coverage savings from the likes of Allstate and Progressive. They all state the claim that you’ll save big just by switching to their company.

It sounds good, but how can they all say the same thing? It’s all in the wording.

All companies have strict underwriting profiles for the type of driver that will most likely be profitable. For example, a profitable insured might have to be between 30 and 50, owns their home, and drives less than 5,000 miles a year. Any customer that meets those criteria receive the lowest rate quotes as well as save if they switch.

Potential insureds who do not meet the requirements may be forced to pay more expensive rates which leads to the customer buying from someone else. The ads say “customers that switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can make it sound like they have such great rates.

This really drives home the point why you really need to compare price quotes frequently. It’s just not possible to know which company will have the lowest prices for your situation.

Information about specific coverages

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Liability car insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, bail bonds, court costs, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your Quest resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, hitting a parking meter, driving through your garage door, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Quest.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, falling objects, vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for rehabilitation expenses, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Quote more, save more

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Budget-conscious 2005 Nissan Quest insurance can be found from both online companies in addition to many insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who may not offer online quoting and most of the time these regional insurance providers prefer to sell through independent insurance agencies.

Additional information