Cheap 2023 Nissan Kicks Insurance Quotes 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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Looking for better insurance rates for your Nissan Kicks? High-priced insurance can diminish your checking account and possibly require you to analyze your spending habits. Shopping your coverage around is an excellent way to reduce premiums and put more money in your pocket.

Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurance company to discover the definitive best rates possible.

Six tips to get cheap insurance premiums

Part of the insurance coverage buying process is learning some of the factors that help determine the level of your policy premiums. If you understand what influences your rates, this helps enable you to make changes that can earn you big savings. Many factors are taken into consideration when pricing auto insurance. Some are obvious like an MVR report, but others are not as apparent such as your marital status or how financially stable you are.

  • Younger drivers cost more – Beginning drivers are proven to be easily distracted behind the wheel so they pay higher insurance coverage rates. Parents adding a young driver onto your insurance coverage can be quite pricey. More mature drivers have been proven to be more responsible, are lower risk to insure , and usually have better credit.
  • Rural areas have lower premiums – Having an address in smaller towns and rural areas of the country is a good thing when insuring your vehicles. Drivers in populated areas tend to have traffic congestion and higher rates of accident claims. Lower population means a lower chance of having an accident.
  • Getting married can save you money – Your spouse may save some money on insurance coverage. Having a spouse is viewed as being less irresponsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Long commutes cost more – The more you drive in a year’s time the higher your rates will be. Many insurance companies calculate rates partially by how you use the vehicle. Vehicles left parked in the garage can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy correctly shows the correct driver usage, because improper ratings can cost you money. Improper usage on your Kicks can cost quite a bit.
  • Your gender affects premiums – The statistics show women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Both sexes are in accidents in similar percentages, but the men cause more damage. Not only are claims higher, but men have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are most likely to cause an accident and therefore pay the highest rates.
  • Drive a safer car and pay less – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety reduce injuries and better occupant protection translates directly to fewer claims and cheaper rates on your policy.

Find discounts to get cheap insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be specially asked for before you will receive the discount.

  • Memberships – Joining a qualifying organization could qualify you for a break on your bill.
  • Early Renewal Discounts – Some insurance companies reward drivers for renewing your policy before your current policy expires. The savings is around 10%.
  • Good Student – Being a good student can save 20 to 25%. Most companies allow this discount up to age 25.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Kicks insurance compared to accident prone drivers.
  • New Car Discount – Adding a new car to your policy can save you some money since new model year vehicles are generally safer.
  • Telematics Data – Insureds that choose to allow driving data collection to track vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts could see savings as much as 30%.

As a sidenote, some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

The best insurance coverage companies and a summarized list of policyholder discounts are shown below.

  • GEICO offers discounts including emergency military deployment, multi-vehicle, seat belt use, military active duty, and daytime running lights.
  • Auto-Owners Insurance policyholders can earn discounts including paperless, good student, anti-theft, student away at school, and mature driver.
  • American Family may have discounts that include multi-vehicle, good driver, mySafetyValet, bundled insurance, early bird, and air bags.
  • Esurance may offer discounts for claim free, good student, paid-in-full, online quote, and anti-lock brakes.
  • Progressive may include discounts for homeowner, good student, continuous coverage, multi-policy, and online quote discount.
  • State Farm includes discounts for driver’s education, accident-free, good student, Steer Clear safe driver discount, and multiple autos.
  • AAA offers discounts for education and occupation, multi-car, good driver, pay-in-full, anti-theft, and AAA membership discount.

Double check with all companies you are considering which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To locate companies with the best discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Should I waive the damage coverage when renting a car?
  • Do I have coverage when using my vehicle for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need more liability coverage?
  • What can I do if my company denied a claim?
  • Can my teen drive my company car?
  • Who is covered by my policy?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, free and can provide invaluable advice.

Learn about insurance coverages for a 2023 Nissan Kicks

Having a good grasp of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, fire damage and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, legal defense fees, emergency aid, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Kicks caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills such as surgery, rehabilitation expenses, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for 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 liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Be Smart and Buy Smart

Cheaper 2023 Nissan Kicks insurance is attainable on the web as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some auto insurance companies may not have online rate quotes and usually these smaller providers only sell coverage through independent insurance agencies.

Throughout this article, we presented some good ideas how to save on 2023 Nissan Kicks insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with some of the smallest insurance companies. Some small companies can often provide lower premium rates in certain areas as compared to the big name companies such as State Farm or Progressive.

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