Save on 2013 Nissan NV Passenger Insurance Cost

Tired of being strong-armed to insure your Nissan every month? You are in the same boat as millions of other consumers. Because you have many options, it can be diffult for consumers to find the best provider.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Vehicle owners only need an understanding of the most efficient way to compare rates over the internet.

How to Compare Auto Insurance

Getting better 2013 Nissan NV Passenger auto insurance pricing can be relatively painless. The only thing you need to do is take a couple of minutes comparing rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate forms for each company you want a rate for. One form submission compares rates from multiple low-cost companies.
  2. Another way to analyze rates requires you to visit each individual company website to request a price quote. For instance, we’ll pretend you want to compare Geico, Allstate and American Family. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, be sure to compare exactly the same deductibles and coverage limits on every quote you get. If each company quotes different liability limits it will be impossible to make a fair comparison for your Nissan NV Passenger.

Save money by taking advantage of these discounts

Car insurance companies don’t always publicize all their discounts very well, so here is a list both well-publicized as well as the least known auto insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Government Employees – Employees or retirees of the government can save as much as 8% on NV Passenger insurance with a few auto insurance companies.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • No Claims – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application online.

It’s important to understand that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply everywhere.

When should I use an insurance agent?

When buying the right insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • If my 2013 Nissan NV Passenger is totaled, can I afford another vehicle?
  • If my pet gets injured in an accident are they covered?
  • If I drive on a suspended license am I covered?
  • When would I need additional glass coverage?
  • Can I drive in Mexico and have coverage?
  • Why am I required to buy liability insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Is my teenager covered with friends in the car?
  • Do I need special endorsements for business use of my vehicle?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverages for a 2013 Nissan NV Passenger

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Liability insurance

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like court costs, repair costs for stationary objects, loss of income, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your NV Passenger caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for bills like dental work, doctor visits, pain medications, chiropractic care and surgery. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.