Compare 2014 Nissan NV Passenger Insurance Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies and get the definite best price available.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Buying car insurance is not rocket science. Although car owners can benefit from knowing the way insurance companies sell insurance online and take advantage of how the system works.

Don’t miss out on these money-saving discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically at the time you complete a quote, but less common discounts must be asked for before they will apply.

  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on NV Passenger coverage.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Accident Forgiveness – A few companies allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could qualify for a substantially lower rate.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.

Drivers should understand that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance policy, you’re out of luck. But any discount will help reduce your overall premium however.

To see a list of providers who offer insurance discounts, click here.

Do I need special coverages?

When choosing the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out if you will benefit from professional help.

  • Are my friends covered when driving my 2014 Nissan NV Passenger?
  • Does medical payments coverage apply to all occupants?
  • Should I sign the liability waiver when renting a car?
  • Is my camper covered by my car insurance policy?
  • Is my Nissan NV Passenger covered if I use it for business?
  • Is my nanny covered when driving my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • What vehicles should carry emergency assistance coverage?
  • Is upholstery damage covered by car insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, crashing into a building, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Auto liability – This will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as bail bonds, legal defense fees, loss of income and structural damage. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, rehabilitation expenses, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, theft, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan NV Passenger.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Shop. Compare. Save.

In this article, we covered some good ideas how you can compare 2014 Nissan NV Passenger insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

The cheapest insurance can be found both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Other resources