1990 Nissan Van Insurance Cost – 10 Tips to Save

Searching for better auto insurance rates for your Nissan Van? Having to pay for overpriced auto insurance can overdraw your bank account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Having so many companies to choose from, it can be impossible to locate the most cost effective insurer.

Finding the best rates is quite easy. If you are paying for car insurance now, you will be able to save some money using this strategy. Drivers just need to know how to get comparison quotes on the web.

How to reduce Nissan Van insurance rates

Companies offering auto insurance don’t always publicize every available discount very well, so the following is a list of some of the more common and the harder-to-find insurance coverage savings. If you don’t get every credit you deserve, you are throwing money away.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Fewer annual miles on your Nissan could qualify for better rates on cars that stay parked.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on van coverage.
  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

For a list of insurance companies offering insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might help in determining if you would benefit from professional advice.

  • Am I covered if I hit a deer?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I not file a claim?
  • Do I benefit by insuring my home with the same company?
  • Is my state a no-fault state?
  • Is my dog or cat covered if injured in an accident?
  • Exactly who is provided coverage by my policy?
  • What is roadside assistance coverage?

If you’re not sure about those 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 or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Is there truth in advertising?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as Allstate and Progressive. All the ads have a common claim of big savings if you move your policy.

But how can every company make almost identical claims?

Insurance companies are able to cherry pick for the type of customer that earns them a profit. For instance, a desirable insured might be profiled as over the age of 50, insures multiple vehicles, and has a high credit rating. A propective insured who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Potential insureds who don’t measure up to the “perfect” profile must pay higher rates and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings. This illustrates why it is so important to get as many comparisons as possible. It is impossible to predict the company that will fit your personal profile best.

Auto insurance coverage information

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Nissan Van.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Van from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like damaging your car on a curb, rolling your car, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like funeral costs, doctor visits, pain medications and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability

This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, repair costs for stationary objects, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Best coverage at the best price

Cheap 1990 Nissan Van insurance is possible on the web and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance coverage companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Additional information