2012 Nissan Quest Insurance Rates in 2024 – 8 Tricks for Cheaper Quotes

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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: Apr 5, 2024

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Wish you could get a refund on an expensive insurance policy? You’re preaching to the choir because many consumers are feeling buyer’s remorse and feel like there’s no way out.

There are many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

Consumers should take time to check insurance prices at least once a year because prices change quite often. If you had the lowest rates for Quest coverage a few years ago a different company probably has better rate quotes today. There is a lot of bad information regarding insurance online, but in this article, you’re going to get some excellent ideas to save money.

Cheaper insurance rates with discounts

Insurance is not cheap nor is it fun to buy but you may qualify for discounts that you may not even know about. Some trigger automatically at the time of purchase, but some need to be asked about before they will apply.

  • Multiple Vehicles – Insuring several vehicles on one policy can reduce rates for all insured vehicles.
  • Safe Driver Discounts – Safe drivers can pay as much as 50% less for Quest coverage than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Low annual miles can qualify you for lower premium rates due to less chance of an accident.
  • Life Insurance – If the company offers life insurance, you could get better prices if you take out life insurance from them.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate and GEICO will turn a blind eye to one accident before hitting you with a surcharge if you have no claims for a specific time period.
  • Good Student Discount – Performing well in school can save 20 to 25%. You can use this discount normally well after school through age 25.
  • Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote in comparison with insureds who have frequent claims or accidents.
  • Anti-theft System – Cars optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.

It’s important to note that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, nobody gets a free ride.

Popular insurance companies and a selection of discounts are detailed below.

  • American Family offers discounts including TimeAway discount, defensive driver, Steer into Savings, air bags, good student, and accident-free.
  • Farm Bureau may offer discounts for good student, driver training, safe driver, multi-policy, renewal discount, and youthful driver.
  • State Farm has savings for multiple autos, driver’s education, good driver, accident-free, and defensive driving training.
  • Travelers includes discounts for driver training, good student, home ownership, new car, and hybrid/electric vehicle.
  • The Hartford policyholders can earn discounts including defensive driver, air bag, anti-theft, good student, and vehicle fuel type.
  • GEICO offers discounts for air bags, seat belt use, emergency military deployment, daytime running lights, multi-vehicle, driver training, and multi-policy.
  • Progressive may have discounts that include online quote discount, good student, continuous coverage, multi-policy, and online signing.

When comparing rates, check with each company which discounts they offer. Savings may not apply in your area. To see a list of insurers who offer cheap insurance quotes, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • What is no-fault insurance?
  • Should I sign the liability waiver when renting a car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is PIP insurance?
  • How does medical payments coverage work?
  • What is high-risk coverage and where do I buy it?
  • Is rental equipment covered for theft or damage?
  • Can I afford to buy a different vehicle if my 2012 Nissan Quest is totaled?
  • What is the minimum liability in my state?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like court costs, attorney fees, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, funeral costs and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Quest from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Quest.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liability limits.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A tidy conclusion

As you shop your coverage around, never reduce needed coverages to save money. There are too many instances where an insured dropped physical damage coverage only to regret they didn’t have enough coverage. The proper strategy is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Budget-friendly car insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies do not offer online rate quotes and these regional carriers prefer to sell through independent agents.

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