1998 Nissan Quest Insurance Quotes

Having to pay for pricey Nissan Quest insurance can take a big chunk out of your budget and force you to make sacrifices. Consumers have multiple auto insurance companies to choose from, and although it’s a good thing to have a choice, so many choices can make it hard to compare rates and find the lowest cost car insurance.

You need to do rate comparisons at least once a year because rates are usually higher with each renewal. Just because you found the best premium rates for Quest coverage at your last renewal other companies may now be cheaper. There is lot of inaccurate information about car insurance on the internet, but in just a couple of minutes you can learn some great ways to put money back in your pocket.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or need new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Drivers just need to know the most effective way to shop for car insurance on the web.

Verify you’re applying every discount

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Some trigger automatically when you complete an application, but a few must be specially asked for before you get the savings. If you don’t get every credit available, you are not getting the best rate possible.

  • Multi-policy Discount – When you combine your homeowners and auto insurance with the same company you could save over 10 percent off each policy depending on the company.
  • Renewal Discounts – Some auto insurance companies provide a discount for switching policies prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase some life insurance too.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Defensive Driving Course – Completing a driver safety class may get you a small discount depending on where you live.
  • Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote compared to insureds who have frequent claims or accidents.
  • Onboard Data Collection – People who choose to allow their company to monitor where and when they drive by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.

Drivers should understand that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will help lower the premium cost.

Auto insurance companies that may offer policyholders most of these discounts possibly include:

When comparing rates, check with all companies you are considering how many discounts you can get. Some discounts may not apply to policies everywhere. To locate auto insurance companies with discount rates, click here to view.

Cheapest car insurance price quotes

Performing a rate comparison can be challenging if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking about coverages with insurance companies in your area, or you could save time and use online quoting for quick rates.

Many of the larger companies participate in an industry program where prospective buyers submit their information once, and every company then returns a price quote determined by their information. This system prevents you from having to do quote requests for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to using this type of system is that you can’t choose which insurance companies to get quotes from. So if you want to choose individual companies to request quotes from, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but be certain you are entering equivalent coverage limits on every quote. If each company quotes different coverage information it will be next to impossible to get a fair rate comparison.

When should I discuss my situation with an agent?

When choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • Is my babysitter covered when using my vehicle?
  • What is an SR-22 filing?
  • Is my 1998 Nissan Quest covered for smoke damage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need rental car coverage?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for a 1998 Nissan Quest

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills for things like EMT expenses, nursing services, X-ray expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability – This provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, attorney fees, pain and suffering and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1998 Nissan Quest.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision – This covers damage to your Quest caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, a broken windshield, damage from a tornado or hurricane, hitting a deer and hitting a bird. The highest amount your 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.

Quote more. Save more.

Throughout this article, we presented some good ideas how you can shop for 1998 Nissan Quest insurance online. The most important thing to understand is the more companies you get prices for, the better your comparison will be. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower prices compared to the large companies like Allstate or State Farm.

Some companies don’t offer online rate quotes and most of the time these smaller companies provide coverage only through independent agencies. Budget-conscious 1998 Nissan Quest insurance can be purchased online and from local agencies, and you need to comparison shop both to get a complete price analysis.

Additional insurance information can be read at these links:

Comments About 1998 Nissan Quest Insurance

  1. Marie Burke

    Located in Baton Rouge, Louisiana. Quoted a bunch of companies. Saved darn near $30 a month. 21st Century was the cheapest option for me. Might find lower rates online. Just liability coverage since it’s getting old.

  2. Monroe Sykes

    I found affordable 1998 Nissan Quest insurance from GEICO in Norman, OK.

  3. Patrina Yang

    Will Allstate raise rates for a small claim?

  4. Lidia Lamb

    If you have a good history and live in the vicinity of Warwick, Rhode Island, check out 21st Century. You might save some money. Insured with Sentry before. I have several vehicles insured with them. Anyone else drop full coverage?

  5. Reid Jackson

    Lots of good stuff here. I’m just east of Overland Park, Kansas. Quoted with Amica, Eastwood, and Safeco for my 1998 Nissan Quest and saved $96 a year. Was with Western Auto Insurance. I’m a pretty low risk driver. I got a quote from their website. I don’t insure for physical damage though.

  6. Nakesha Pacheco

    I’ve bought from State Farm forever. Cheapest rates in Portland, ME.

  7. Juliann Sears

    I’ve insured with GEICO for a long time. Pretty cheap in Philadelphia, PA.