2022 Nissan Kicks Car Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Want cheaper insurance coverage rates for your Nissan Kicks? There isn’t a single person who rejoices having to buy insurance coverage, especially when their premiums are too high. Big-name insurance companies like Allstate, Progressive and GEICO continually bombard you with advertising and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

If you are insured now or need a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Finding the best rates is not that difficult. Vehicle owners just need to learn the proper methods to compare company rates online.

How to compare insurance coverage quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way to do it. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system that enables customers to send in one quote, and each participating company returns a competitive quote for coverage. This eliminates the need for quote requests for every insurance coverage company. To find out how much you’re overpaying now enter your zip code here.

The only drawback to pricing coverage this way is you are unable to specify which providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

How you compare quotes is your choice, just make sure you use equivalent coverages and limits for every quote you compare. If you enter differing limits you will not be able to make a fair comparison for your Nissan Kicks.

More discounts mean cheap premiums

Car insurance is not an enjoyable expense, but you can get discounts that you may not even know about. A few discounts will automatically apply when you complete an application, but a few must be manually applied in order for you to get them. If they aren’t giving you every credit available, you are just wasting money.

  • Good Grades Discount – Excelling in school can save 20 to 25%. The discount lasts until age 25.
  • Distant Student – Older children living away from home attending college and don’t have a car may be able to be covered for less.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Paperless Signup – Certain insurance companies give back up to $50 simply for signing digitally online.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% on Kicks coverage with a few car insurance companies.

As a sidenote, most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

Some companies that possibly offer most of these discounts include:

  • Progressive
  • AAA
  • Farmers Insurance
  • Esurance
  • State Farm

If you need cheap car insurance quotes, ask all the companies how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to view companies with the best discounts, enter your zip code here.

Get cheap insurance costs by understanding these factors

Lots of factors are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are not quite as obvious like where you live or your vehicle rating. The best way to find cheaper car insurance is to take a look at some of the factors that help determine your premiums. If you understand what influences your rates, this allows you to make educated decisions that can help you get lower premium levels.

The list below includes some of the most common factors used by your company to calculate your premiums.

  • Cars with good safety ratings lower premiums – Vehicles with good safety scores cost less to insure. The safest vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims which can mean better rates for you.
  • Lower stress equals lower car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, air traffic controllers and emergency personnel tend to have higher premium rates due to intense work requirements and lots of time spent at work. Other careers like professors, engineers and performers get better rates on Kicks coverage.
  • Small claims can cost you – If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Companies award the best rates to policyholders who are claim-free. Your car insurance is designed for more catestrophic claims.
  • Older drivers are lower risk – Older, more experienced drivers are more responsible, file fewer claims , and are generally more financially stable. Youthful drivers are known to get distracted easily when at the wheel of a vehicle so they pay higher car insurance rates.
  • Being married can save you money – Getting married may earn you lower rates on your car insurance bill. Having a significant other translates into being more mature and insurance companies like that being married results in fewer claims.
  • Annual mileage and car insurance premiums – The higher the miles on your Nissan annually the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks that are left in the garage receive better premium rates than those used for commuting. It’s a smart idea to ensure your car insurance declarations sheet shows the correct driver usage. Having the wrong rating on your Kicks can result in significantly higher rates.
  • Don’t let your car insurance policy lapse – Going without insurance can be a fast way to trigger a rate increase. Not only will you pay more, being ticketed for driving with no insurance will get you fines or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.

It’s not one size fits all

When buying the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered if I break a side mirror?
  • What is no-fault insurance?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if hit by an uninsured driver?
  • How much can I save by bundling my policies?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and may give you better protection.

Auto insurance coverage considerations

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses for surgery, dental work and nursing services. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damage that occurs to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical expenses, attorney fees, legal defense fees and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance covers damage to your Kicks from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane, hail damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Saving money is sweet as honey

When shopping online for insurance, do not skimp on coverage in order to save money. In too many instances, someone sacrificed full coverage and learned later that it was a big mistake. The goal is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

We just covered many ideas to save on 2022 Nissan Kicks insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. Consumers could even find that the most savings is with a small mutual company. They can often provide lower prices in certain areas than their larger competitors like Progressive or GEICO.

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