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 coverage rates for your Nissan Quest? No normal person loves paying for insurance coverage, particularly when the prices are way too high.

Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest rate

It’s a great practice to get comparison quotes before your policy renews because prices are adjusted regularly by insurance companies. Just because you found the best deal on Quest coverage a couple years back the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance coverage because you’re about to find out the quickest way to lower your rates without sacrificing coverage.

Are you receiving every discount?

Companies don’t necessarily list every policy discount in an easy-to-find place, so the following is a list of a few of the more well known in addition to some of the lesser obvious discounts that may be available.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with policyholders that have many claims.
  • Online Discount – Some insurance companies will give a small break simply for signing on the web.
  • Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on one policy can get a discount on all vehicles.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Student Driver Training – Have your child participate in a local driver’s education class as it can save substantially.
  • Telematics Discount – Drivers that enable their insurance company to analyze driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may save up to 20% and get you cheaper car insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan may allow you to get better premium rates on cars that stay parked.
  • Driver Safety – Taking a defensive driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and GEICO permit an accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.

Policy discounts save money, but some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will definitely lower your overall premium however.

To see a list of insurance companies that provide some of the discounts listed above, click here to view.

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

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Quote car insurance online

There are a variety of methods to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most of the larger companies belong to an insurance system where prospective buyers submit one quote, and every company then gives them pricing determined by their information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The one downside to doing it this way is that you can’t choose which companies to receive prices from. So if you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, do your best to enter apples-to-apples quote information with each company. If each company quotes different limits and deductibles on each one it’s not possible to make a fair comparison for your Nissan Quest. Just a small difference in limits can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more rates from different companies helps locate better pricing.

Buy more affordable insurance coverage with these tips

It’s important that you understand some of the elements that come into play when calculating your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower insurance coverage prices. Many things are considered when premium rates are determined. Most are fairly basic such as your driving history, although some other factors are less obvious such as whether you are married or your financial responsibility.

  • Is you job costing you more? – Did you know your job can affect your rates? Jobs like judges, business owners and accountants generally pay higher premiums than the average policyholder due to high stress levels and extremely grueling work hours. Conversely, jobs like actors, engineers and performers have the lowest average rates on Quest coverage.
  • Drive lots and pay more – Driving more miles in a year the higher the price you pay to insure it. Most insurance companies charge rates determined by how the vehicle is used. Autos that do not get driven very much get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating is showing the correct driver usage, because improper ratings can cost you money. Incorrect rating for your Quest can result in significantly higher rates.
  • Being married pays dividends – Being married actually saves money on your insurance coverage bill. It generally demonstrates drivers are more financially stable and it’s proven that married couples file fewer claims.
  • Never let your policy expire – Driving without insurance can get you a ticket and companies may charge more for letting your coverage lapse. Not only will rates go up, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license.

When in doubt talk to an agent

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine if you would benefit from professional advice.

  • Is my 2015 Nissan Quest covered for flood damage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

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

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Specifics of your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, a broken windshield, damage from flooding and falling objects. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Quest resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for doctor visits, nursing services and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, medical services, court costs and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Be a penny pincher

We just covered a lot of information how to compare 2015 Nissan Quest insurance car insurance rates online. It’s most important to understand that the more you quote car insurance, the better your comparison will be. You may even find the best price on insurance is with a small local company. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

While you’re price shopping online, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best cost, but don’t skip important coverages to save money.

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