2004 Nissan Quest Insurance Rates – 7 Tricks for Cheaper Quotes

Trying to find cheaper car insurance rates? Buyers have lots of choices when searching for the best price on Nissan Quest insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to compare rates. There are both good and bad ways to compare car insurance rates so we’re going to tell you the best way to quote coverages on a Nissan and locate the best price possible either online or from local insurance agents.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Drivers just need to know the best way to shop for insurance coverage online.

Insurance policy discounts

Some insurance providers don’t always advertise their entire list of discounts in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.

  • Safety Course Discount – Taking time to complete a safe driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Good Grades Discount – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.
  • Senior Citizens – Seniors may qualify for a small discount on rates on Quest coverage.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
  • No Claim Discounts – Claim-free drivers get the best insurance rates when compared with drivers with a long claim history.
  • Accident Waiver – This one isn’t a discount, but some companies like State Farm, Progressive and Geico allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Cautious Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Quest coverage compared to accident prone drivers.

You should keep in mind that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Companies that possibly offer these discounts may include but are not limited to:

Before purchasing a policy, check with all the companies which discounts you may be entitled to. Discounts may not apply to policyholders in every state. To see a list of insurance companies with significant discounts, click here.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • What companies insure drivers after a DUI or DWI?
  • When should I buy a commercial auto policy?
  • If I drive on a suspended license am I covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do all my vehicles need collision coverage?
  • Does medical payments coverage apply to all occupants?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto collision coverage

Collision insurance will pay to fix damage to your Quest resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability car insurance

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like loss of income, court costs and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage kick in for bills like EMT expenses, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, a broken windshield, fire damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Quest.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Online plus local equals savings

We just showed you many tips how you can save on 2004 Nissan Quest insurance. The key thing to remember is the more you quote insurance coverage, the higher your chance of finding low cost insurance coverage. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

Consumers switch companies for many reasons like policy non-renewal, high prices, poor customer service or unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

As you quote insurance coverage, it’s a bad idea to buy poor coverage just to save money. In many instances, someone dropped physical damage coverage and discovered at claim time that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the lowest possible cost.

Additional insurance information is located below:

Comments About 2004 Nissan Quest Insurance

  1. Marguerite Best

    I got a good deal I think. I’m in the south part of Sioux Falls, South Dakota. Compared quite a few companies. Saved right around $20 a month. Allstate was the cheapest option for me. Got better coverage too.

  2. Israel Harrison

    I live in Milwaukee, WI. Quoted with Travelers, Auto-Owners, Liberty Mutual, and Sentry for my 2004 Nissan Quest and I think I cut my rates about $30 each month.

  3. Yu Mosley

    Not sure if this is cheap. Checking in from Burlington, VT. Got car insurance prices from GEICO, GMAC, and Encompass for my 2004 Nissan Quest and I think I cut my rates about $20 each month.

  4. Juliane Cobb

    I live just to the west of Grand Rapids, MI. Went online for free insurance quotes for a 2004 Nissan Quest. Ended up at about $80 savings annually. Went with GEICO. Book value doesn’t justify full coverage anymore.

  5. Jillian Price

    Live in New Orleans, LA. Compared rates from a lot of places. Saved right around $30 a month. GEICO was the most affordable for me. Left Progressive to switch. I think they have home insurance too. I just quoted rates online.

  6. Elenore Allen

    Enjoyed the article. I’m just north of Idaho Falls, ID. I quoted with GEICO, AAA, and some I forget for my Quest and I think I saved around $30 each month. Insured with Sentry before. It’s easy to compare rates online now. Liability only on my Quest.

  7. Andria William

    Cheap car insurance? What’s that? I’m in the suburbs of Indianapolis, IN. Went online for free insurance quotes for a 2004 Nissan Quest. Ended up at about $80 savings annually. Went with State Farm. Thankfully I have a good driving record.

  8. Hue Dickerson

    I think GEICO has low rates in Arkansas. For me anyway.

  9. Eldora Guthrie

    From Columbus, OH. Quoted quotes with Allstate, Farmers, and Liberty Mutual for my Nissan and saved just over $100 a year. Insured with Hanover before. Switched homeowners coverage too. Not sure if rates are cheaper online or not.

  10. Anja Cox

    If you’re a decent driver and live around Hartford, CT, check out Progressive. You might save some money. It’s still not cheap enough. I only have liability coverage on it.

  11. See Lloyd

    I think I’m paying too much. I live on the north side of Kansas City, MO. Quoted prices online for a 2004 Nissan Quest. Ended up at about $70 savings annually. Went with GEICO. Have an at-fault accident tho.

  12. Sharron Bowman

    I live south of Aurora, IL. Don’t remember every company but I ended up saving about $20 each month. My Nissan doesn’t have full coverage.

  13. Davina Diaz

    Lots of good stuff here. Quoted with The General for my Quest and am saving around $90 a year. Left Encompass to switch. I have a teen driver too. You can get a rate quote online.

  14. Deidre Marshall

    Anyone know if 21st Century does SR-22s?