2014 Nissan NV200 Car Insurance Quotes

Want lower car insurance rates for your Nissan NV200? Have you fallen victim to overpriced car insurance? Trust us when we tell you there are many people just like you.

Big-name insurance companies like Progressive, Geico and Farmers Insurance continually hit you with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It’s a good idea to compare rates occasionally since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for NV200 insurance a year ago there is a good chance you can find better rates now. Don’t believe everything you read about car insurance on the internet, so we’re going to give you the easiest ways to slash your car insurance rates.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Finding the best rates is not rocket science. Although drivers must learn how big insurance companies price insurance differently.

Don’t miss these discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time of purchase, but some must be inquired about before being credited.

  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.

It’s important to note that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies who might offer these benefits are:

Check with each company what discounts are available to you. Discounts might not be offered in your state.

These factors can influence Nissan NV200 insurance rates

Smart consumers have a good feel for the different types of things that help determine the price you pay for insurance. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • An active claims history can cost you – Insurance companies give discounts to insureds who are claim-free. If you frequently file small claims, you can look forward to higher rates. Insurance coverage is designed for the large, substantial claims.
  • Rates may be lower depending on your job – Occupations like lawyers, business owners and dentists tend to pay the highest average rates attributed to stressful work requirements and lots of time spent at work. Other jobs such as scientists, historians and retirees have the lowest average rates for NV200 insurance.
  • More people means more accidents – Residing in less populated areas is a positive aspect when insuring your vehicles. Fewer people translates into fewer accidents. City drivers regularly have more traffic problems and a longer drive to work. Higher commute times means more change of being in an accident.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Nissan scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.

When might I need help?

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover if your situation will benefit from professional help.

  • If my 2014 Nissan NV200 is totaled, can I afford another vehicle?
  • What is the ISO rating for a 2014 Nissan NV200?
  • Am I covered when driving a rental car?
  • What is the minimum liability in my state?
  • Why is insurance for a teen driver so high?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about 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

Are you falling for claims of savings?

Insurance coverage companies such as State Farm, Allstate and Geico regularly use ads on television and other media. They all seem to make an identical promise of big savings if you move to their company. But how can every company make the same claim?

All the different companies are able to cherry pick for the type of driver that earns them a profit. For instance, a driver they prefer might be a mature driver, is a homeowner, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile will be charged more money and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings.

That is why drivers should quote coverage with many companies. It is impossible to predict which insurance coverage company will have the lowest Nissan NV200 insurance rates.

Insurance coverage options for a Nissan NV200

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from insurance companies.

Liability coverage

This can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical expenses, court costs, attorney fees, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, surgery, dental work and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

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 rock chips in glass, hail damage, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists 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 NV200.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage

This pays for damage to your NV200 resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle, rolling your car, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Keep this in mind

Budget-conscious 2014 Nissan NV200 insurance is available online in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not provide online quoting and these small insurance companies work with independent agents.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut physical damage coverage only to find out that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

You just learned a lot of tips how to lower your insurance rates. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the best price on insurance is with a lesser-known regional company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.

More detailed insurance information can be found in the articles below: