How Much Does 2013 Nissan NV Insurance Cost?

Are you tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as most other car owners. Insurance companies such as Progressive, State Farm and Geico all promote huge savings with catchy ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.

It’s smart to check car insurance prices before your policy renews since insurance rates are variable and change quite frequently. Just because you found the best deal for NV insurance six months ago you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because it’s time to teach you the easiest way to save money, get proper coverage and the best rates.

If you have a current car insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to understand how to buy car insurance on the web.

How to save on Nissan NV insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at the time of purchase, but a few must be manually applied in order for you to get them. If you’re not getting every credit you deserve, you are throwing money away.

  • Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing online.
  • Safety Course Discount – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Air Bag Discount – Vehicles with factory air bags can receive discounts up to 30%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.

As a disclaimer on discounts, most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.

Car insurance companies who might offer these discounts include:

Before buying, ask each company which discounts you may be entitled to. Discounts may not apply everywhere.

Insurance Prices

There are multiple methods to compare 2013 Nissan NV insurance quotes, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get prices fast.

All the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company then returns a price quote based on that information. This saves time by eliminating quotation requests for every insurance company. To find out how much you’re overpaying now click here (opens in new window).

The one downside to pricing coverage this way is you don’t know exactly which providers you want to price. So if you prefer to choose specific providers to compare rates, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare the exact same coverages and limits on every quote. If each company quotes mixed coverages it will be next to impossible to make a fair comparison for your Nissan NV.

Pieces of the Nissan NV insurance rate puzzle

Smart consumers have a good feel for the rating factors that come into play when calculating the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

The list below includes a few of the “ingredients” that factor into your rates.

  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and term life insurance may be costing you every month. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Rate your vehicle for proper use – The more miles you rack up on your Nissan in a year’s time the more you will pay for car insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage get more affordable rates than vehicles that are driven to work every day. Having the wrong rating on your NV can result in significantly higher rates. Verify your car insurance policy properly reflects how each vehicle is driven.
  • Never let your coverage lapse – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Men fork out a little more – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • With age comes lower rates – More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Young drivers have a tendency to be more careless when driving and because of this, their car insurance rates are much higher.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • Does my 2013 Nissan NV qualify for pleasure use?
  • If I drive on a suspended license am I covered?
  • Do I need added coverage for expensive stereo equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my state a no-fault state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

What car insurance coverages do you need?

Having a good grasp of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan NV.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like ambulance fees, nursing services, X-ray expenses, doctor visits and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your NV caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hail damage, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, medical services, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

A tidy conclusion

When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Discount 2013 Nissan NV insurance can be bought online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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