2017 Nissan NV Passenger Car Insurance Cost – 9 Tips to Save

Buyers have options when searching for the lowest priced Nissan NV Passenger insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to get rate quotes.

There are more efficient ways to buy auto insurance so we’re going to tell you the quickest way to quote coverages for a Nissan and get the cheapest rates from both online companies and local agents.

This article will let you in on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you should be able to save some money using this strategy. Vehicle owners just need to know how to get comparison rates online.

The cheapest car insurance rate quotes online

Reducing your 2017 Nissan NV Passenger insurance rates isn’t really that difficult. The only thing you need to do is spend a little time comparing free insurance quotes to find out which insurance company has the cheapest insurance quotes. This is very easy and can be done in a couple of different ways.

  1. One of the simplest ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate forms for each company you want a rate for. One simple form gets prices estimates from all major companies. This is perfect if you don’t have a lot of time.
  2. A harder way to compare rate quotes requires a trip to each company website and fill out a new quote form. For example, let’s say you need rates from Liberty Mutual, Safeco and Farmers. You would have to go to every website and enter your policy data, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you use apples-to-apples coverage data for every company. If you enter different coverage information it’s not possible to determine which rate is truly the best.

More discounts mean cheaper premiums

Some companies don’t always list the complete list of policy discounts in a way that’s easy to find, so here is a list both the well known and the more hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems could see savings of up to 25% or more.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with cheaper car insurancerates.
  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on NV Passenger coverage but check with your company.
  • ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a insurance quote.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote compared to bad drivers.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.

Remember that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, nobody gets a free ride.

Companies and a selection of discounts include:

  • Progressive has savings for multi-vehicle, online quote discount, online signing, good student, multi-policy, and continuous coverage.
  • Farmers Insurance discounts include mature driver, bundle discounts, homeowner, teen driver, and business and professional.
  • Farm Bureau offers discounts including safe driver, good student, 55 and retired, youthful driver, and multi-vehicle.
  • State Farm may include discounts for Drive Safe & Save, safe vehicle, passive restraint, accident-free, defensive driving training, multiple policy, and student away at school.
  • GEICO may offer discounts for military active duty, daytime running lights, anti-lock brakes, multi-policy, and five-year accident-free.
  • SAFECO has discounts for accident prevention training, anti-theft, teen safe driver, teen safety rewards, anti-lock brakes, homeowner, and safe driver.
  • Liberty Mutual includes discounts for newly retired, preferred payment discount, multi-policy, exclusive group savings, new graduate, and teen driver discount.

Double check with all the companies to apply every possible discount. All car insurance discounts might not be offered on policies in your area. To see insurance companies that offer discounts, click here.

It’s not one size fits all

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Am I covered when driving on a suspended license?
  • How much underlying liability do I need for an umbrella policy?
  • How high should deductibles be on a 2017 Nissan NV Passenger?
  • What can I do if my company won’t pay a claim?
  • Will my insurance pay for OEM parts?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need replacement cost coverage on my 2017 Nissan NV Passenger?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage options for a 2017 Nissan NV Passenger

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance will pay to fix damage to your NV Passenger from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, vandalism and a broken windshield. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, X-ray expenses, surgery and dental work. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

This can cover injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t 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. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 2017 Nissan NV Passenger.

Since many 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. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.