2016 Nissan Quest Insurance Quotes in 2024 – 6 Savings Tips

Want the cheapest car insurance rates for your Nissan Quest? Cutting costs on Driverscar insurance could be slightly frustrating for drivers who are beginners to comparison shopping online. With such a big selection of agents and online companies available, it can easily turn into a big hassle to locate the lowest rates.

It’s important to compare premium rates once or twice a year due to the fact that insurance prices change quite often. Just because you had the best price for Quest coverage a few years ago you can probably find a lower rate today. You can find a lot of information about car insurance on the internet, but you can learn some great ideas on how to put money back in your pocket.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. This information will introduce you to the most effective way to quote insurance and some tricks to saving. Although consumers should learn the way insurance companies compete online because it can help you find the best coverage.

Get cheap insurance quotes with discounts

The cost of insuring your cars can be expensive, but you might find some hidden discounts to reduce the price significantly. Many discounts should be triggered at quote time, but occasionally some discounts must be asked about prior to getting the savings.

• Accident Free – Drivers who stay claim-free pay less when compared to accident-prone drivers.
• Air Bag Discount – Factory options such as air bags can get savings as much as 30%.
• Full Payment Discount – By making one initial payment instead of paying each month you could save up to 5%.
• Life Insurance – Not all companies offer life insurance, but some may give you lower premium rates if you buy a life insurance policy as well.
• Military Deployment Discount – Being deployed with a military unit could be rewarded with lower premium rates.
• Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.

A list of companies and their offered discounts are outlined below.

• State Farm discounts include accident-free, good driver, anti-theft, good student, and safe vehicle.
• GEICO has discounts for seat belt use, anti-lock brakes, multi-vehicle, daytime running lights, military active duty, and air bags.
• Progressive includes discounts for multi-vehicle, homeowner, multi-policy, online quote discount, continuous coverage, and good student.
• 21st Century may have discounts that include 55 and older, air bags, early bird, teen driver, defensive driver, and automatic seat belts.
• American Family offers discounts including defensive driver, good driver, air bags, accident-free, bundled insurance, and good student.
• The Hartford may offer discounts for air bag, good student, anti-theft, vehicle fuel type, defensive driver, and bundle.
• AAA offers premium reductions for good student, anti-theft, pay-in-full, good driver, education and occupation, AAA membership discount, and multi-car.

Before you buy a policy, ask every prospective company which discounts you qualify for. Some discounts listed above may not apply in your area. To view insurers who offer cheap insurance quotes, enter your zip code here.

Tailor your car insurance coverage to you

When buying coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

• Can I get a multi-policy discount?
• If I drive on a suspended license am I covered?
• What is the rate difference between pleasure use and commuting?
• Does my medical payments coverage pay my health insurance deductible?
• What is PIP insurance?
• Is my teenager covered with friends in the car?
• Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverage basics

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, damage from flooding, theft, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, hospital visits, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance

This coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

This coverage pays for damage to your Quest resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Be a smart shopper

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Budget-conscious 2016 Nissan Quest insurance is available both online in addition to many insurance agents, so get free car insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not provide online rate quotes and these small, regional companies prefer to sell through local independent agents.

Drivers who switch companies do it for many reasons like unfair underwriting practices, policy cancellation, high rates after DUI convictions or lack of trust in their agent. Regardless of your reason for switching companies, finding a new insurance company is not as hard as you think.