Lower Your 2014 Nissan Quest Insurance Cost

Looking for cheaper auto insurance rates for your Nissan Quest? No one in their right mind likes buying auto insurance, particularly when they could find lower prices if they just compared rates.

Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to get the best price available.

Lower your insurance rates

Consumers need to have an understanding of some of the factors that come into play when calculating your insurance coverage rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may result in big savings. Lots of things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving record, although others are less obvious like your continuous coverage or how safe your car is.

Listed below are some of the things that factor into your premiums.

  • Your career may increase prices – Occupational choices like doctorspolice officers and accountants generally pay higher premiums than the average policyholder in part from high stress levels and extremely grueling work hours. Conversely, jobs like actors, students and performers get better rates for Quest insurance.
  • Better drivers pay the best prices – Having just one chargable violation may increase your cost forty percent or more. Drivers who don’t get tickets pay less for auto insurance as compared to those with violations. Drivers who have multiple violations like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state DMV in order to legally drive.
  • Low comp and collision deductibles can be expensive – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Nissan. Some coverage claims are a broken side mirror, vandalism, and rolling your vehicle. Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay before a claim is paid by your company. The more the insured has to pay upfront, the less your company will charge you for insurance for Quest insurance.
  • Always have insurance coverage – Driving without insurance coverage in place is a big no-no and you will pay a penalty because you let your insurance lapse for non-payment. Not only will you pay higher rates, getting caught without coverage could earn you fines and jail time. Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.

Compare insurance coverage rate quotes online

Comparing insurance coverage rates can be a daunting task if you don’t know the most efficient way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the internet to quickly compare rates.

Most of the best insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company provides a quote for coverage. This system prevents you from having to do quote forms for each company.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is that you can’t choose which insurance companies to get pricing from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you compare identical coverage data with every price quote. If each company quotes different deductibles you will not be able to determine which company has the best rates. Quoting even small variations in coverage limits could throw off the whole comparison. Just remember that comparing a large number of companies will increase your chances of finding a lower rate.

But the ad said I’d save 15% in 15 minutes!

Big name companies like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make the point that drivers can save some big amount if you get a free car insurance quote and switch your coverage. It sounds good, but how can they all cost less than your current company? Here is how they do it.

Different companies give the cheapest rates for the type of driver that earns them a profit. One example of a desirable risk may be over age 30, has never had a policy lapse, and has a short commute. Any driver that fits those parameters will get very good auto insurance rates and as a result will probably save some money.

Consumers who do not meet the ideal profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “all people who quote” save that much money. That’s why companies can make those claims.

Different companies use different criteria so you really need to compare as many free car insurance quotes as you can. It’s impossible to know with any certainty which company will have the lowest rate quotes.

You may qualify for discounts

Insuring your fleet can be pricey, but you may qualify for discounts that many people don’t even know exist. Most are applied when you quote, but some discounts are required to be asked about prior to receiving the credit.

  • Multiple Vehicles – Purchasing coverage when you have several vehicles with the same car insurance company may reduce the rate for each vehicle.
  • Government Employee Discount – Employees or retirees of the government can save as much as 8% for Quest insurance depending on your car insurance provider.
  • Distant College Student Discount – Children who live away from home at college and don’t have a car may qualify for this discount.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on car insurance.
  • No Accidents – Drivers who stay claim-free pay much less as compared to accident-prone drivers.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Safety Course Discount – Taking a course teaching defensive driver skills could save 5% or more if you qualify.
  • Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

A few popular companies and a selection of discounts include:

  • AAA may include discounts for multi-car, good driver, multi-policy, anti-theft, good student, and pay-in-full.
  • Progressive offers premium reductions for homeowner, good student, online quote discount, multi-vehicle, online signing, continuous coverage, and multi-policy.
  • State Farm has savings for student away at school, defensive driving training, multiple policy, Drive Safe & Save, and passive restraint.
  • Esurance discounts include online shopper, Switch & Save, good driver, renters, Pac-12 alumni, DriveSense, and emergency road assistance.
  • Nationwide may have discounts that include family plan, defensive driving, Farm Bureau membership, multi-policy, and accident-free.

Check with every insurance company to give you their best rates. Some of the earlier mentioned discounts may not be available in your area. To locate insurance companies that offer multiple discounts, click here.

There’s no such thing as the perfect insurance policy

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Is extra glass coverage worth it?
  • Is my nanny covered when driving my vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have a DUI can I still get coverage?
  • What is PIP insurance?
  • Are rock chip repairs covered?
  • When should I remove comp and collision on my 2014 Nissan Quest?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Liability car insurance

This will cover injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, ambulance fees, hospital visits and doctor visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage

This coverage pays for damage to your Quest resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, sustaining damage from a pot hole, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

And the best car insurance company is…

The cheapest 2014 Nissan Quest insurance is available online and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer rates over the internet and usually these regional carriers provide coverage only through independent insurance agencies.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

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