2006 Nissan Quest Car Insurance Cost – 5 Tips for Best Prices

Searching for lower car insurance rates for your Nissan Quest? Are you confused by the dozens of car insurance company choices? You’re not alone. There are so many options that it can turn into a challenge to find the best price.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But drivers can benefit by having an understanding of how insurance companies compete online and take advantage of how the system works.

Cut your premium with these five discounts

Companies offering auto insurance don’t list every discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known ways to save on insurance.

  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance on Quest insurance.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Insurance companies that may have these money-saving discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not be offered in your state.

What is the best insurance coverage?

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • How much underlying liability do I need for an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Advertising myths

Allstate and Progressive consistently run ads on TV and radio. All the companies have a common claim that you can save if you change to their company. How do they all make the same claim?

Different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a desirable insured might be between the ages of 40 and 55, has no tickets, and has excellent credit. Any driver who matches those parameters receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who do not match the “perfect” profile will be quoted higher rates which leads to business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can confidently advertise the way they do. This emphasizes why it is so important to compare many company’s rates. You cannot predict which insurance companies will give you the biggest savings on Nissan Quest insurance.

Coverage specifics

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, funeral costs, hospital visits, nursing services and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverage

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like loss of income, attorney fees, repair bills for other people’s vehicles, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Quest.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, vandalism and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final considerations

In this article, we covered a lot of ways to shop for 2006 Nissan Quest insurance online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even discover the best prices are with the smaller companies.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced full coverage to discover at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Insureds leave their current company for many reasons like denial of a claim, unfair underwriting practices, high prices and even not issuing a premium refund. No matter why you want to switch, finding a new company is not as difficult as it may seem.

More detailed insurance coverage information is located in these articles: