2017 Nissan NV Cargo Insurance Quotes – 9 Ways to Save

Nobody I know anticipates paying for insurance, especially when the prices are way too high. Popular companies such as GEICO, Progressive and Allstate continually bombard you with ad campaigns and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Verify you’re earning every discount

Not many people think insurance is cheap, but you may qualify for discounts to help offset the cost. Some trigger automatically when you purchase, but less common discounts must be inquired about prior to receiving the credit.

  • Paperwork-free – A handful of companies will provide an incentive for completing your application online.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy life insurance from them.
  • Good Driver Discounts – Insureds without accidents may receive a discount up to 45% on NV Cargo insurance compared to accident prone drivers.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you could save up to 20% and get you cheap insurance.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Accident Forgiveness – Not a discount per se, but some companies like Progressive, State Farm and GEICO may permit one accident before your rates go up so long as you are claim-free for a certain period of time.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.

Don’t be shocked that most discount credits are not given the the whole policy. Most only cut individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

A list of companies and the discounts they provide are shown below.

  • GEICO has discounts for military active duty, anti-theft, anti-lock brakes, emergency military deployment, daytime running lights, and federal employee.
  • Travelers has savings for driver training, continuous insurance, home ownership, hybrid/electric vehicle, and new car.
  • Farm Bureau includes discounts for renewal discount, safe driver, good student, driver training, 55 and retired, multi-policy, and youthful driver.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, new graduate, multi-policy, good student, multi-car, and safety features.
  • American Family may offer discounts for multi-vehicle, good driver, defensive driver, mySafetyValet, accident-free, air bags, and TimeAway discount.
  • Progressive offers premium reductions for online signing, multi-vehicle, continuous coverage, online quote discount, multi-policy, homeowner, and good student.

If you need low cost insurance quotes, ask each company the best way to save money. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies who offer free insurance quotes, click here to view.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight if your situation will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I benefit by insuring my home with the same company?
  • Does coverage extend to a rental car in a foreign country?
  • Which companies will insure high-risk drivers?
  • Am I better off with higher deductibles on my 2017 Nissan NV Cargo?
  • What is the ISO rating for a 2017 Nissan NV Cargo?
  • Do I really need UM/UIM coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • How do I insure my teen driver?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Big brands don’t always mean big savings

Consumers constantly see and hear ads for car insurance savings by companies like 21st Century, Allstate and State Farm. All the ads make an identical promise that drivers can save some big amount after switching your policy.

How do they all sell you cheaper insurance coverage? Here is how they do it.

Most companies have an ideal profile for the driver that earns them a profit. One example of a desirable insured might be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. Someone who fits that profile will get very good prices and will most likely save when switching.

Insureds who don’t meet those criteria may be forced to pay higher rates and this results in business not being written. If you listen to the ad wording, they say “people who switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently make those claims.

Because of this risk profiling, you need to get a wide range of price quotes. It’s just too difficult to predict which car insurance company will have the best auto insurance rates at this point in time.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Auto liability – Liability insurance will cover damages or injuries you inflict on people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, nursing services, X-ray expenses, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This will pay to fix damage to your NV Cargo resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, theft and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A little work can save a LOT of money

There are still a few companies who don’t offer rates over the internet and these small, regional companies provide coverage only through independent insurance agencies. Lower-priced insurance can be bought online as well as from independent agents, so you should compare both so you have a total pricing picture.

We’ve covered a lot of tips how to shop for 2017 Nissan NV Cargo insurance online. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the most savings is with the smaller companies. They can often provide lower premium rates in certain areas compared to the large companies like Progressive or GEICO.

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