2013 Nissan Quest Car Insurance Cost in 2024

I can’t think of anyone who likes having to buy insurance coverage, especially knowing they could find lower prices if they just compared rates. Insurance companies such as GEICO, Farmers Insurance and State Farm constantly bombard you with ad campaigns and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

If you have a current insurance policy or are just looking to switch companies, you can learn to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Consumers just need to know the tricks to compare company rates online.

How do insurers determine Nissan Quest insurance prices?

Consumers need to have an understanding of some of the things that play a part in calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in big savings. Many factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other factors are more transparent such as whether you are married or how financially stable you are.

• Save money with theft deterrents – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop vehicle theft.
• Get better rates if you’re married – Getting married may cut your premiums when buying car insurance. It may mean you are more financially stable and statistics prove married drivers tend to have fewer serious accidents.
• Job stress can make you pay more – Careers like doctors, airline pilots and emergency personnel tend to pay higher rates than average attributed to high stress levels and incredibly demanding work hours. Other occupations such as farmers, athletes and homemakers pay the least for Quest coverage.
• More traffic equals higher rates – Being located in small towns and rural areas has definite advantages when it comes to car insurance. People who live in big cities regularly have more road rage incidents and a longer drive to work. Less people means fewer accidents and lower theft and vandalism rates.
• Safety ratings are a factor – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your Nissan Quest has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
• Your credit history is important – Having a bad credit history is likely to be a major factor in determining what you pay for car insurance. Therefore, if your credit history is low, you could save money insuring your 2013 Nissan Quest by repairing your credit. People that have high credit ratings tend to be better risks to insure than drivers who have poor credit.
• Get a ticket, pay higher premiums – Being a careful driver can have a huge impact on auto insurance premiums. Having a single speeding ticket can increase rates by as much as twenty percent. Good drivers pay lower auto insurance prices than bad drivers. Drivers with severe violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.

These discounts can reduce auto insurance rates

Car insurance companies do not list their entire list of discounts in an easy-to-find place, so here is a list a few of the more well known and also the lesser-known discounts that you may qualify for.

• Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Discount for Life Insurance – Select insurance carriers reward you with better auto insurance rates if you take out auto and life insurance together.
• Active Military Service – Having an actively deployed family member can result in better prices.
• Driver Training Discounts – Passing a defensive driving course could save 5% or more and easily recoup the cost of the course.
• College Student – Any of your kids who live away from home at college and do not take a car to college may qualify for this discount.
• Low Mileage Discounts – Driving fewer miles could qualify for lower rates due to less chance of an accident.
• Telematics Data – Insureds who allow their company to monitor driving patterns remotely such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• Sign Early and Save – A few auto insurance companies offer discounts for switching policies early. It can save you around 10%.
• New Vehicle Savings – Putting insurance coverage on a new car may earn a small discount compared to insuring an older model.

Please keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

A few popular companies and a partial list of their discounts are:

• Progressive includes discounts for online quote discount, online signing, multi-vehicle, good student, and continuous coverage.
• AAA has discounts for AAA membership discount, good student, pay-in-full, multi-car, education and occupation, anti-theft, and multi-policy.
• Farmers Insurance offers discounts for business and professional, youthful driver, homeowner, early shopping, distant student, and switch companies.
• GEICO policyholders can earn discounts including good student, membership and employees, air bags, five-year accident-free, emergency military deployment, and defensive driver.
• Esurance offers premium reductions for safety device, defensive driver, renters, DriveSense, anti-lock brakes, and online quote.
• SAFECO may offer discounts for homeowner, drive less, anti-theft, anti-lock brakes, teen safe driver, teen safety rewards, and multi-car.
• State Farm has savings for accident-free, good student, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, and safe vehicle.

If you need lower rates, check with every prospective company how many discounts you can get. Some credits might not be offered in every state. If you would like to view insurance companies with the best auto insurance discounts, enter your zip code here.

When do I need an agent’s advice?

When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether or not you may require specific advice.

• Is my nanny covered when driving my vehicle?
• What happens if I owe more than my 2013 Nissan Quest is worth?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I afford low physical damage deductibles?
• Are rental cars covered under my policy?
• Should I bundle my homeowners policy with my auto?
• Am I covered when delivering products for my home-based business?
• Where can I find DUI or SR-22 insurance?
• Can my teen drive my company car?
• Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and can provide invaluable advice.

Car insurance coverages for a 2013 Nissan Quest

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Uninsured or underinsured coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage – This 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 coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage – Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like bail bonds, structural damage and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Med pay and PIP coverage provide coverage for expenses for things like pain medications, chiropractic care, ambulance fees, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection – This coverage pays for 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 coverage pays for claims such as damage from a tornado or hurricane, fire damage and damage from getting keyed. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop. Compare. Save.

We’ve covered some good ideas how to compare 2013 Nissan Quest insurance auto insurance rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the biggest savings come from a lesser-known regional company. They often have lower premium rates on specific markets than their larger competitors like Progressive and GEICO.

Cheaper car insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide rate quotes online and many times these smaller companies only sell through independent agents.