Lower Your 1998 Nissan Quest Car Insurance Rates

Paying for high-priced Nissan Quest insurance can take a big chunk out of your personal savings, especially in this economy. Shopping your coverage around is a great way to make sure you’re not throwing money away. Companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

It’s important to take a look at other company’s rates at least once a year because prices are usually higher with each renewal. Even if you got the best price for Quest coverage six months ago you will most likely find a better rate today. Don’t believe everything you read about insurance coverage online, so we’re going to give you a bunch of ideas how to put money back in your pocket.

Comprehensive Insurance Comparison Quotes

There are a variety of methods to compare 1998 Nissan Quest insurance prices and some are less time-consuming than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use the web to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system that allows shoppers to submit their information once, and at least one company can provide price quotes based on that data. This prevents consumers from doing quote requests to each individual insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to using this type of system is you can’t choose which providers to receive prices from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of insurance companies in your area. Click here to view list.

Whichever way you use, ensure you’re using the exact same quote information on every quote you get. If each company quotes higher or lower deductibles it will be very difficult to decipher which rate is best.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but a few must be asked for before you will receive the discount. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Government Employees – Active or retired federal employment could cut as much as 10% off for Quest coverage with certain companies.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any qualifying discounts will cut your premiums.

To see a list of insurers offering insurance coverage discounts, click this link.

Your Nissan Quest insurance rate is a complex equation

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance. Knowing what impacts premium levels enables informed choices that could result in lower insurance prices.

The list below includes a few of the “ingredients” insurance companies consider when setting premiums.

  • High deductibles save money – Your deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more money you have to pay, the less your insurance will be for Quest coverage.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • High numbers of claims are not good – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies award cheaper rates to drivers who file claims infrequently. Car insurance is intended for the large, substantial claims.
  • Cautious drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Just one ticket can bump up the cost forty percent or more. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.
  • More people means more accidents – Residing in a small town can save you money when talking about insurance. City drivers have to deal with traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident.
  • Consolidate policies to earn discounts – Many insurers will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to make sure you are getting the best deal. You may still find better rates by buying insurance from more than one company.
  • Men fork out a little more – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes cause accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like DUI and reckless driving.

Everyone needs different coverages

When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • Does coverage extend to my business vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I waive the damage coverage when renting a car?
  • What happens if I owe more than my 1998 Nissan Quest is worth?
  • Are rental cars covered under my policy?
  • Is my ex-spouse still covered by my policy?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

The fine print in auto insurance ads

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads make an identical promise about savings if you change your policy.

How do they all make almost identical claims? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. A good example of a preferred risk could be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Potential customers who do not match these standards must pay a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that much. This is how companies can truthfully make those claims.

This illustrates why you should get as many quotes as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Nissan Quest insurance.

Learn about auto insurance coverages for a 1998 Nissan Quest

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage covers damage to your Quest resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a bird, damage from getting keyed, hail damage and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as loss of income, bail bonds, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, hospital visits, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

What is YOUR best insurance company?

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed full coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

Budget-conscious 1998 Nissan Quest insurance is definitely available both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

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