2012 Nissan NV Insurance Quotes in 2024 – 9 Ideas for Cheaper Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 17, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for better car insurance rates? Consumers have options when looking for the lowest priced Nissan NV insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to shop for car insurance so you’re going to learn the best way to get price quotes for your Nissan and get the lowest possible price from both online companies and local agents.

You need to check car insurance prices on a regular basis because prices are constantly changing. Even if you think you had the lowest price on NV insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

This article will instruct you on how car insurance quotes work and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Consumers only need to know the most efficient way to compare company rates on the web.

Nine discounts for cheap insurance coverage rates

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but some must be asked for in order for you to get them.

  • Senior Citizens – Drivers over the age of 55 may qualify for a small discount on rates on NV insurance.
  • Life Insurance – Larger companies have a lower premium rate if you buy some life insurance too.
  • Discounts for Safe Drivers – Insureds without accidents can save up to 40% or more on their insurance coverage quote on NV insurance than less cautious drivers.
  • No Accidents – Drivers who don’t have accidents pay less in comparison with policyholders that have many claims.
  • Lower Rates for Military – Being deployed in the military could qualify you for better rates.
  • Discount for Home Ownership – Owning a home can help you save on insurance coverage because maintaining a house is proof that your finances are in order.
  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Save with a New Car – Insuring a new car can save you some money compared to insuring an older model.

We need to note that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

A few popular companies and a partial list of their discounts are:

  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, safe vehicle, accident-free, student away at school, and driver’s education.
  • GEICO offers discounts including federal employee, military active duty, air bags, good student, driver training, and anti-theft.
  • Liberty Mutual discounts include new vehicle discount, newly married, preferred payment discount, new move discount, exclusive group savings, good student, and newly retired.
  • The Hartford has savings for defensive driver, anti-theft, driver training, bundle, and vehicle fuel type.
  • MetLife offers premium reductions for good student, multi-policy, good driver, defensive driver, and accident-free.
  • Progressive may offer discounts for continuous coverage, online signing, homeowner, multi-policy, and multi-vehicle.

When quoting, ask every prospective company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies everywhere. To view companies with the best discounts, enter your zip code here.

You may need specialized insurance coverage

When choosing the best insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • When does my teenage driver need to be added to my policy?
  • Do I need replacement cost coverage on my 2012 Nissan NV?
  • Are my friends covered when driving my car?
  • Should I buy full coverage?
  • Can my babysitter drive my car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have newly-acquired coverage?
  • Do I need replacement cost coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Car insurance coverages for a 2012 Nissan NV

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Nissan NV.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Auto liability

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical expenses, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses such as funeral costs, prosthetic devices, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This covers damage to your NV from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, scraping a guard rail, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Smart shoppers get results

Drivers who switch companies do it for many reasons like delays in paying claims, not issuing a premium refund, denial of a claim and being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is actually quite simple.

Low-cost 2012 Nissan NV insurance can be found from both online companies and also from your neighborhood agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some companies may not offer the ability to get quotes online and these small insurance companies provide coverage only through independent insurance agents.

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles