1995 Nissan Quest Car Insurance Rates – 9 Tips to Save

Trying to find better insurance coverage rates for your Nissan Quest? Shopping for the most affordable insurance coverage may seem to be difficult for consumers new to quoting and buying insurance on the web. With such a large choice of companies in the marketplace, how can anyone efficiently compare every company to locate the cheapest price possible?

Finding the best rates is quite easy. In a nutshell, anyone who is required by state law to have insurance most likely will be able to reduce their rates. Although consumers do need to understand how the larger insurance companies determine prices because it can help you find the best coverage.

Save money by taking advantage of these nine discounts

Some companies do not advertise all possible discounts in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Passive Restraints – Cars that have air bags may get savings of up to 25% or more.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more.
  • Senior Discount – If you qualify as a senior citizen, you are able to get a slight reduction on a car insurance quote for Quest insurance.
  • Own a Home and Save – Being a homeowner can earn you a little savings because maintaining a house demonstrates responsibility.
  • Safety Course Discount – Taking time to complete a defensive driver course may get you a small discount and easily recoup the cost of the course.
  • Claim Free – Drivers who stay claim-free can save substantially as compared to accident-prone drivers.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for signing up on the internet.
  • Driving Data Discount – Drivers who elect to allow their insurance coverage company to analyze driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they show good driving skills.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents and the ABS can save up to 10%.

Remember that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

To find providers with discount rates, click here to view.

How much insurance coverage do I need?

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you will benefit from professional help.

  • Do all my vehicles need collision coverage?
  • Is my custom paint covered by insurance?
  • What are the financial responsibility laws in my state?
  • At what point should I drop full coverage?
  • Is a blown tire covered by insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Car insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

Liability insurance will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, emergency aid, medical expenses, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance pays for damage to your Quest caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Quest.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, vandalism, hitting a bird, damage from flooding and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like ambulance fees, surgery and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Final thoughts

People leave their current company for any number of reasons including poor customer service, delays in paying claims, high prices and even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at an affordable rate.

You just learned many ways to lower your 1995 Nissan Quest insurance premium rates. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the best premium rates are with a smaller regional carrier.

More tips and info about insurance coverage is available at these sites:

Comments About 1995 Nissan Quest Insurance

  1. Lois Howard

    Liked the article. From northwest of Reno, NV. Got free quotes online for a 1995 Nissan Quest. Ended up at about $80 savings annually. Went with 21st Century.

  2. Brenda Haley

    Will 21st Century cancel my policy for a liability claim?

  3. Berneice Christian

    I switched to 21st Century. Quoted good rates in Birmingham, AL. Insured with Eastwood before. Just liability coverage since it’s getting old.

  4. Ernest Vincent

    I can’t pay high rates. From west side of San Antonio, Texas. Quoted with American Family, Mercury, and a few others for my Nissan and saved just over $60 a year. They were helpful in switching over.

  5. Kimberely Bradshaw

    Good site, thanks. I live in Charleston, SC. Don’t remember every company but I ended up saving about $30 each month. Left Nationwide to switch. I don’t insure for physical damage though.

  6. Portia Moss

    Where is cheaper car insurance? Found cheapest coverage with Hanover for my Nissan and cut my rates about $80 a year. Was with AIG Insurance. I’m a pretty low risk driver. It was easy to get rates.

  7. Fidelia Gonzalez

    Well-written and thought out article. From a town just southwest of Saint Louis, Missouri. I quoted with GEICO, Auto-Owners, and some I forget for my Nissan and saved just over $110 a year. I get a discount for insuring multiple vehicles. Wish I didn’t have to insure at all. When should I drop full coverage?

  8. Lorenzo Hurst

    I’m in the suburbs of Gulfport, MS. Don’t remember every company but I ended up saving about $20 each month. I get multi-vehicle and multi-policy discounts. When should I drop full coverage?

  9. Loren Gaines

    In Portland, ME try Allstate or GEICO. Both had decent prices.

  10. Georgiann Lang

    Thanks for putting this site together. From a town just southwest of Fort Wayne, IN. Went online for free insurance quotes for a 1995 Nissan Quest. Ended up at about $110 savings annually. Went with Allstate. Hopefully won’t need it.

  11. Omega Hopkins

    Hope my car insurance gets cheaper. Live in Portland, OR. Not sure of all the companies but I ended up saving about $20 each month. Left Progressive to switch.