Cheaper 2013 Nissan NV200 Insurance Cost

If you are new to online price comparisons, by this point your are probably bewildered thanks to the huge assortment of insurers all claiming to have the lowest rates.

It is always a good idea to get comparison quotes at least once a year since prices tend to go up over time. Even if you got the best rates on NV200 coverage a year ago there may be better deals available now. Block out anything you think you know about insurance coverage because we’re going to demonstrate the easiest way to reduce your cost while improving coverage.

Slash your insurance coverage rates with discounts

Some providers don’t always list the entire discount list in an easy-to-find place, so the next list breaks down some of the more common as well as the least known ways to save on insurance coverage.

  • Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will allow you to have one accident without raising rates so long as you are claim-free prior to being involved in the accident.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Switch and Save Discount – Select larger companies give a discount for switching companies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Bundled Policy Discount – If you have multiple policies and insure them with the same company you will save at least 10 to 15 percent or more.
  • Own a Home and Save – Just owning your own home can save a few bucks because of the fact that having a home requires personal responsibility.

We need to note that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

Popular insurance coverage companies and some of the premium reductions they offer are shown below.

  • State Farm may have discounts that include anti-theft, multiple autos, multiple policy, Steer Clear safe driver discount, accident-free, driver’s education, and defensive driving training.
  • Nationwide policyholders can earn discounts including defensive driving, anti-theft, good student, multi-policy, and business or organization.
  • GEICO offers discounts for multi-policy, federal employee, seat belt use, air bags, and membership and employees.
  • AAA has discounts for education and occupation, multi-car, good driver, anti-theft, and AAA membership discount.
  • 21st Century has savings for teen driver, automatic seat belts, good student, 55 and older, and air bags.
  • The Hartford includes discounts for bundle, defensive driver, driver training, anti-theft, good student, vehicle fuel type, and air bag.

If you are trying to find affordable auto insurance quotes, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in your area. To choose companies that offer discounts, click this link.

Get more affordable insurance coverage with these tips

Smart consumers have a good feel for the rating factors that play a part in calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can help you get better insurance coverage rates. Lots of things are taken into consideration when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more obscure like your vehicle usage and annual miles driven.

  • Credit rating impacts premium premiums – Having a bad credit score can be a huge factor in determining premium rates. If your credit history can use some improvement, you may save money insuring your 2013 Nissan NV200 by improving your rating. Drivers who have very good credit scores tend to be more responsible than those with poor credit scores.
  • Lower stress equals lower insurance coverage rates – Careers like military generals, social workers and medical professionals tend to have higher premiums than the average policyholder in part from intense work requirements and lots of time spent at work. Other careers such as scientists, historians and the unemployed pay the least on NV200 coverage.
  • Cheaper premiums for prior coverage – Having an insurance coverage lapse is a guaranteed way to increase your renewal premiums. Not only will rates go up, the inability to provide proof of insurance will get you a revoked license or a big fine.
  • Deter car thieves – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.
  • Do you know your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Nissan. Some coverage claims would be collision with another vehicle, damage from fire, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define the amount you are required to spend if the claim is covered. The more money you have to pay, the less your insurance coverage will be on NV200 coverage.
  • Multi-policy discounts can save money – Lots of insurance companies allow a discount to people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. It’s possible to still find better rates even if you have your coverage with different companies
  • Careless driving leads to higher premiums – Just one chargable violation may cause rates to rise by as much as twenty percent. Attentive drivers have lower premiums than people who have multiple driving citations. Drivers who have received serious tickets like reckless driving, hit and run or driving under the influence are required to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.

You are unique and your insurance coverage should be too

When choosing the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if you will benefit from professional help.

  • What exactly is covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • How high should my medical payments coverage be?
  • Does my 2013 Nissan NV200 qualify for pleasure use?
  • Does coverage extend to my business vehicle?
  • Does coverage extend to Mexico or Canada?
  • I have a DUI can I still get coverage?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Do auto insurance companies bend the truth?

Popular auto insurance providers such as GEICO, State Farm and Progressive consistently run ads on TV and radio. They all state the claim that you’ll save big if you just switch your coverage. How does every company sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance providers have specific characteristics for the driver they prefer to insure. For instance, a preferred risk might have to be a married female, has a clear driving record, and chooses high deductibles. Any person that meets those criteria receives the best rates and as a result will probably save when they switch companies.

People who do not match those criteria may receive higher rates with the end result being the customer buying from a different company. If you pay attention, the ads say “people that switch” not “everybody who quotes” save the amount stated. This is how insurance companies can confidently make those statements.

Because of these techniques, you really should get a wide range of price quotes. It is just not possible to predict which company will have the lowest prices for your situation.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Nissan NV200.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

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

Comprehensive can pay for claims like hitting a bird, a broken windshield and hitting a deer. The maximum payout 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.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, dental work, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – This will pay to fix damage to your NV200 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch, hitting a mailbox, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability – This will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

The bottom line

We just presented a lot of information how to shop for 2013 Nissan NV200 insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates are with a small mutual company.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at the best price while still protecting your assets.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, high prices and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

Other resources