How Much Does 1994 Nissan Quest Car Insurance Cost?

When looking for lower-cost insurance, are you intimidated by the wide range of insurance coverage choices? There are so many options that it can turn into a real challenge to compare prices.

You should make it a habit to price shop coverage once or twice a year because insurance rates are usually higher with each renewal. Even if you think you had the best deal on Quest insurance on your last policy there is a good chance you can find better prices now. You can search a lot of insurance coverage on the internet, but in a few minutes you can learn some of the best ways to put money back in your pocket.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you should be able to cut costs considerably using these tips. But consumers do need to know how insurance companies price insurance differently and take advantage of how the system works.

Verify you’re getting every discount

Companies don’t list all possible discounts very clearly, so we researched a few of the more well known as well as the least known discounts that may be available.

  • First Accident Forgiveness – This one isn’t a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • Telematics Data Discounts – Policyholders that allow their company to look at driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
  • Save with More Vehicles Insured – Having all your vehicles on a single policy could earn a price break for each car.
  • Defensive Driver Discounts – Passing a course teaching defensive driving skills may get you a small discount if your company offers it.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy some life insurance in addition to your auto policy.
  • Club Memberships – Being in a professional or civic organization could qualify you for a break when shopping for car insurance.
  • Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you can avoid monthly service charges.
  • E-sign Discounts

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, car insurance companies aren’t that generous.

Some of the insurance companies that possibly offer most of these discounts are:

Check with each company or agent which discounts you may be entitled to. Some discounts may not be offered in your area. If you would like to view companies who offer discounts, click this link.

Choices you make can impact your insurance premiums

Consumers need to have an understanding of the different types of things that play a part in calculating your premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can help you get better auto insurance rates.

  • Responsible credit saves on auto insurance – Credit score can be an important factor in determining what you pay. Therefore, if your credit rating is lower than you’d like, you could pay less to insure your 1994 Nissan Quest by spending a little time repairing your credit. People that have very high credit ratings tend to be more responsible and file fewer claims than those with lower credit scores.
  • Incidental coverages that may not be needed – Insurance companies have many extra add-on coverages that you can buy but may not be useful. Things like vanishing deductibles, high-cost glass coverage, and membership fees are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so remove them and pocket the money.
  • Your car’s features help determine prices – Owning a car that has an advanced theft prevention system can help lower your premiums. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • You might have higher rates if you are single – Being married can get you a discount when shopping for auto insurance. Having a significant other is viewed as being less irresponsible it has been statistically shown that being married results in fewer claims.

When should I discuss my situation with an agent?

When it comes to choosing the best insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Do I need replacement cost coverage on my 1994 Nissan Quest?
  • Does car insurance cover theft of personal property?
  • Is my ex-spouse still covered by my policy?
  • Should I have a commercial auto policy?
  • Which companies will insure high-risk drivers?
  • Am I covered when driving on a suspended license?
  • Should I buy full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form.

Car insurance 101

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1994 Nissan Quest.

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.

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hail damage, damage from flooding, damage from getting keyed and hitting a deer. The maximum payout your auto insurance company will pay 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 coverage – Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, bail bonds, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, EMT expenses and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

More effort can pay off

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, policy non-renewal and even high prices. Whatever your reason, finding a new company is not as hard as you think.

We just showed you many ideas to shop for 1994 Nissan Quest insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from some of the smallest insurance companies.

Cheaper insurance can be found online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide rate quotes online and many times these small insurance companies only sell through independent insurance agencies.

For more information, take a look at the following helpful articles:

Comments About 1994 Nissan Quest Insurance

  1. Theresa Gonzales

    IT’S ALL TOO EXPENSIVE! From a town just southwest of Las Vegas, Nevada. Got quotes from USAA, AIG Insurance, Hartford, and Safeco for my 1994 Nissan Quest and I think I saved about $30 each month. Have a couple speeding tickets too.

  2. Milton Guerrero

    Will Progressive do a SR22 in California?

  3. Billie Walters

    I live in Chesapeake, Virginia. Got car insurance rates from 21st Century, Farmers, and Liberty Mutual for my Quest and I think I cut my rates about $20 each month. It’s still not cheap enough.

  4. Hanna Jensen

    Here’s what I found out. I’m just south of Provo, UT. Quoted with GEICO, Esurance, and Liberty Mutual for my 1994 Nissan Quest and saved about $90 a year.

  5. Kennith Short

    If you’re a decent driver and are close to Raleigh, NC, check out Progressive. I saved quite a bit. It’s still not cheap enough. Anyone else drop full coverage?

  6. Benito Hutchinson

    Will Progressive rates go up if I file a claim?

  7. Hong Reynolds

    Not sure what I should be paying. Checking in from Rutland, Vermont. Quoted with State Farm, AIG Insurance, and Esurance for my Nissan and I think I am saving around $30 each month. Got better coverage too. God forbid I actually have a claim. I don’t put full coverage on it.

  8. Avery Guy

    I compared a lot of rate quotes for a 1994 Nissan Quest in Wichita, Kansas. Ended up at about $70 every six months with Amica. I have a couple other vehicles on the policy. It was easy to get rates. I don’t put full coverage on it.

  9. Lonna Mcneil

    Allstate has the cheapest rates in Nebraska. No comparison.

  10. Dessie Sears

    Any companies in Bismarck, ND that will insure a DUI?

  11. Elly Dodson

    Will Allstate cancel me if I have an accident?

  12. Ardell Clemons

    Where is cheaper car insurance? Got a quote with The General for my Quest and am saving around $110 a year.

  13. Desiree Pace

    Thanks for putting this site together. Checking in from Buffalo, NY. Got car insurance quotes from Auto-Owners, Eastwood, and Mercury for my 1994 Nissan Quest and saved just over $100 a year. I have a couple other vehicles on the policy. They were helpful in switching over.

  14. Yessenia Knapp

    What does medical payments cover?

  15. Benito Dominguez

    I live in a small town just outside of Huntington, WV. I compared lots of rates. Saved about $20 a month. Allstate was the cheapest option for me. Ask about discounts.