Compare 2014 Nissan NV Passenger Car Insurance Rates

Locating the cheapest insurance for your Nissan NV Passenger can normally be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to find insurance coverage online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Nissan and find the best price possible.

Consumers need to get comparison quotes once or twice a year due to the fact that insurance rates change quite often. If you had the best rates on NV Passenger insurance last year a different company probably has better rates today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

If you have a policy now or need a new policy, you can use these techniques to find better prices and still get good coverage. Buying affordable coverage is not that difficult. Drivers just need to know the most effective way to compare prices over the internet.

Lesser-known factors impacting Nissan NV Passenger insurance rates

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in lower insurance prices.

  • You might want pay the small claims yourself – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance companies generally give cheaper rates to drivers who file claims infrequently. Your insurance policy is intended for larger claims.
  • Extra coverages can waste money – There are a ton of extra bells and whistles you can purchase when buying insurance. Coverages like vanishing deductibles, better glass coverage and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so get rid of them and save.
  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Nissan. A few examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you have to pay, the lower your rates will be on NV Passenger insurance.

Free Quotes for Car Insurance

Finding cheaper 2014 Nissan NV Passenger car insurance prices is surprisingly easy. Just take a couple of minutes comparing rate quotes online from several insurance companies. This can be accomplished in several different ways.

  • The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for boring form submissions for every car insurance company. One simple form will get you price quotes from many national carriers.It’s the quickest way to get rates.
  • Another way to shop for car insurance online requires a trip to each individual company website to complete their respective quote request forms. For example, we’ll pretend you want to compare Allstate, Liberty Mutual and Farmers. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, make sure you use the exact same coverage limits on every quote you get. If you use different values for each quote it will be next to impossible to determine which rate is truly the best.

Advertising myths

Consumers constantly see and hear ads for cheaper car insurance from companies such as Geico, State Farm and Progressive. They all seem to make an identical promise about savings if you switch your policy.

How can each company make the same claim?

Insurance companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer could be over the age of 50, has no driving citations, and has a high credit rating. Any driver who fits that profile will get very good rates and as a result will probably save when switching.

Drivers who are not a match for this ideal profile must pay more money which leads to the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s the way companies can truthfully claim big savings. This illustrates why it’s extremely important to get as many quotes as possible. It’s impossible to know which company will have the lowest Nissan NV Passenger insurance rates.

Verify you’re getting all your discounts

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you are throwing money away.

  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on NV Passenger insurance depending on your company.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • No Charge for an Accident – A few companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Senior Citizens – Older drivers can possibly qualify for better insurance rates on NV Passenger insurance.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

To see a list of insurance companies with the best insurance discounts, click here.

When should I talk to an agent?

When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Who is covered when they drive my 2014 Nissan NV Passenger?
  • If I drive on a suspended license am I covered?
  • When would I need rental car insurance?
  • When should I remove comp and collision on my 2014 Nissan NV Passenger?
  • Do I pay less for low miles?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Specific coverage details

Having a good grasp of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as court costs, attorney fees, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for EMT expenses, nursing services, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan NV Passenger.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

Collision coverage covers damage to your NV Passenger caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, hail damage, fire damage, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

One last thing

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an accident victim reduced collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, policy cancellation or high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Lower-priced 2014 Nissan NV Passenger insurance is possible on the web in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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