Lower Your 2014 Nissan NV Passenger Insurance Rates

Searching for the cheapest auto insurance rates for your Nissan NV Passenger? Are you sick and tired of not being able to scrape enough together each month for auto insurance? You are in the same boat as many other consumers. Since you have so many insurance providers from which to choose, it can be diffult for drivers to pick the best auto insurance provider.

Consumers need to compare prices yearly due to the fact that insurance prices change frequently. Even if you think you had the best rates for NV Passenger coverage a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out the quickest way to find great coverage at a great price.

Four factors that affect insurance rates

Multiple criteria are part of the calculation when quoting car insurance. Some factors are common sense like an MVR report, but others are less apparent such as your credit history or your vehicle rating.Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating the price you pay for auto insurance. If you know what influences your rates, this enables you to make decisions that could result in lower premium levels.

  • Lower prices with continuous coverage – Having an insurance coverage lapse can be a sure-fire way to trigger a rate increase. Not only will rates go up, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
  • Excellent credit saves on auto insurance – An insured’s credit score will be a significant factor in determining premium rates. If your credit score can use some improvement, you may save money insuring your 2014 Nissan NV Passenger by improving your credit score. Drivers with very high credit ratings tend to be more responsible than those with worse credit.
  • Liability insurance claims can be big – The liability coverage on your policy provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • When should you not file a auto insurance claims? – If you file a lot of claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies generally give lower rates to drivers who do not rely on their insurance for small claims. Your car insurance is intended for major claims that would cause financial hardship.

Finding insurance coverage

There are a variety of methods to shop for insurance coverage, but some are less labor-intensive and much quicker. You could waste time driving to insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many of the larger companies belong to a marketplace where prospective buyers submit one quote, and each participating company can provide price quotes for coverage. This system prevents you from having to do form submissions to each individual insurance coverage company. To get comparison pricing now click here (opens in new window).

The one downside to doing it this way is that consumers can’t choose which providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

Compare rates however you want, just make sure you use identical deductibles and coverage limits for each quote you get. If you are comparing higher or lower deductibles you will not be able to make an equal comparison.

Save $436 a year? Really?

Drivers can’t get away from all the ads for cheaper insurance coverage by State Farm, Allstate and Geico. They all try to convey promises that drivers can save some big amount if you just switch your coverage to them.

It sounds good, but how can they all offer drivers better rates? This is how they do it.

Most companies look for specific characteristics for the type of driver that will generate a profit. An example of a profitable insured might be described as between the ages of 30 and 45, has had continuous coverage, and drives less than 10,000 miles a year. Anybody that hits that “sweet spot” will probably get cheap prices and will probably save some money.

Drivers who do not match the “perfect” profile will see higher premiums which leads to business not being written. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can make those statements.

This really drives home the point why you absolutely need to compare quotes as often as possible. Because you cannot predict the company that will be your best fit.

Do you qualify for discount insurance?

Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so the below list has both well-publicized and also the more inconspicuous discounts that you may qualify for.

  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more off PIP or medical payments premium.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Distant Student Discount – Youth drivers who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
  • No Accidents – Drivers with accident-free driving histories pay less in comparison with drivers who are more careless.
  • Telematics Discount – Insureds who allow their company to analyze where and when they drive through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if their driving habits are good.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, you’re out of luck.

Some of the larger companies that have many of the previously listed discounts include:

It’s a good idea to ask each company which discounts they offer. A few discounts may not be offered in your area.

What insurance coverages do I need?

When buying the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Should I buy additional glass protection?
  • I have health insurance so do I need medical payments coverage?
  • Are split liability limits better than a combined single limit?
  • Who is covered by my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I get collision insurance on every vehicle?
  • Does my insurance cover a custom paint job?
  • Does car insurance cover theft of personal property?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Liability insurance – This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things like structural damage, loss of income, legal defense fees, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan NV Passenger.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Collision coverages – Collision coverage covers damage to your NV Passenger caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, prosthetic devices, dental work, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, damage from getting keyed, hitting a bird, damage from flooding and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

More quotes. Lower rates.

When searching for inexpensive insurance quotes, make sure you don’t buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Budget-conscious 2014 Nissan NV Passenger insurance can be found both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these regional insurance providers prefer to sell through independent agencies.

We’ve covered some good ideas how to lower your 2014 Nissan NV Passenger insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding inexpensive insurance. You may even find the most savings is with an unexpected company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive or Geico.

Much more information about insurance coverage can be found at the links below

Comments About 2014 Nissan NV Passenger Insurance

  1. Tilda Mullins

    Does Progressive have low rates for teen drivers?

  2. Mike Boyer

    I switched to GEICO. Quoted good rates in Fort Wayne, IN.

  3. Alison Best

    I live just to the west of Montgomery, Alabama. Compared quite a few companies. Saved roughly $60 a month. GEICO was the cheapest option for me. Was with Allstate.

  4. Heide Henderson

    Here’s my info. Got a quote with USAA for my 2014 Nissan NV Passenger and saved around $190 a year. Bought it from an online quote.

  5. Michaele Ward

    If you have a good history and live around Grand Rapids, MI, check out 21st Century. I saved quite a bit. Left Liberty Mutual to switch.

  6. Iluminada Lawrence

    Anyone try to read their policy?

  7. Henriette Weaver

    Will State Farm raise rates for a windshield claim?

  8. Naoma Williamson

    I got quite a few price quotes for a 2014 Nissan NV Passenger in Davenport, Iowa. Ended up at right around $510 every six months with AAA. Insured with AIG Insurance before. I have a teen driver too.

  9. Jutta Farrell

    Cheaper not always better. Live in Overland Park, Kansas. Quoted with Allstate, Amica, and some I forget for my NV Passenger and I’m now saving $17 a month. Insured with Progressive before. Just waiting to see how claims go.

  10. Soon Grimes

    State Farm was cheapest for my 2014 Nissan NV Passenger in West Valley City, Utah.

  11. Malinda Estes

    Well-written and thought out article. I live north of Omaha, NE. Don’t remember every company but I ended up saving about $50 each month. Was with AAA.