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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Trying to find cheaper insurance rates for your Nissan Quest? I doubt anyone looks forward to paying for insurance, especially knowing they are paying too much. Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute best price available.

If you have insurance now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Finding the best rates is not that difficult. Consumers only need an understanding of the proper way to get comparison quotes online.

Finding insurance coverage

Most larger insurance companies allow you to get prices for coverage on their websites. Getting quotes is fairly straightforward as all you need to do is type in your required coverages into the quote form. Once you submit the form, the quote system will obtain your driving record and credit report and provides a quote based on the data you entered. Quoting online streamlines rate comparisons, but the time required to go to each company’s website and repetitively type in the same information is a waste of time. But it’s also necessary to do this in order to get the lowest insurance coverage rates.

The easy way to compare rates

The quickest way to lower your rates makes use of a single form that gets price quotes from many companies. The form is fast, requires less work, and makes price shopping online much more efficient. After sending your information, it is quoted and you are able to buy your choice of the quote results. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles as shown on your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison based on the exact same insurance coverage.

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

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Be skeptical of insurance ads

Consumers constantly see and hear ads for insurance savings by companies like Allstate, GEICO and Progressive. All the ads advertise the message that drivers can save some big amount if you just switch your insurance policy to them.

How does every insurance company charge you less for car insurance? It’s all in the wording.

Companies require specific criteria for the type of customer that earns them the highest profit. For example, a preferred risk might be married and over the age of 30, is a homeowner, and chooses high deductibles. A driver that hits that “sweet spot” will get low prices and will also save a lot of money.

People who don’t meet these stringent criteria will probably have to pay a more expensive rate with the end result being the customer not buying. The wording the ads use say “customers that switch” not “everybody who quotes” save that much money. That is how companies can truthfully make claims that they all have the best prices. This really drives home the point why it is so important to get price quotes at each policy renewal. Because you cannot predict which company will be your best fit.

You may qualify for discounts

Insurance coverage can be pricey, but you might be missing out on some discounts to reduce the price significantly. Some of these disounts will be visible at quote time, but a few must be specially asked for prior to receiving the credit.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower insurance coveragerates on the low mileage vehicles.
  • Paperwork-free – Some insurance coverage companies will give a small break for buying your policy on the web.
  • Multi-line Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
  • Military Rewards – Being deployed with a military unit could qualify you for better insurance coverage rates.
  • Save over 55 – Mature drivers may qualify for better insurance coverage rates for Quest coverage.
  • Student Discounts – Being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive so you can save 10 percent or more.

We need to note that most discount credits are not given the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, that’s just not realistic.

Large insurance coverage companies and some of the discounts are detailed below.

  • State Farm may have discounts that include Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, good driver, defensive driving training, accident-free, and good student.
  • GEICO may include discounts for membership and employees, driver training, anti-lock brakes, good student, and multi-vehicle.
  • Liberty Mutual has discounts for teen driver discount, multi-policy, new move discount, preferred payment discount, multi-car, newly married, and newly retired.
  • The Hartford includes discounts for defensive driver, vehicle fuel type, bundle, anti-theft, and air bag.
  • MetLife offers discounts including multi-policy, accident-free, claim-free, defensive driver, good driver, good student
  • Progressive offers discounts for multi-policy, continuous coverage, multi-vehicle, online signing, good student, online quote discount, and homeowner.

Before purchasing a policy, check with each insurance company which discounts they offer. Savings might not be offered everywhere. To view insurance coverage companies that provide some of the discounts listed above, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover my expensive audio equipment?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if hit by an uninsured driver?
  • Do I need replacement cost coverage on my 2012 Nissan Quest?
  • Am I missing any policy discounts?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Where can I find DUI or SR-22 insurance?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

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

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Car insurance coverage specifics

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average car insurance policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for X-ray expenses, EMT expenses, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for liability – Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, funeral expenses, loss of income, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive car insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This pays for damage to your Quest from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability 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 purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Knowledge is power

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best price, but do not skimp to save money.

Some insurance companies may not offer price quotes online and these small, regional companies only sell coverage through independent agents. Affordable 2012 Nissan Quest insurance is possible online and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

Additional insurance coverage information can be found at the links below