2018 Nissan NV Cargo Car Insurance Cost in 2024 – 6 Tips to Save

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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 19, 2024

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Searching for lower insurance rates for your Nissan NV Cargo? Are you regretting buying an overpriced insurance policy? It’s a common feeling and many drivers feel the same as you.

Since you have so many options, it can be hard to find a more affordable company.

The purpose of this post is to teach you how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Although drivers need to have an understanding of how the larger insurance companies price insurance differently and take advantage of how the system works.

The quickest method to compare car insurance rates takes advantage of the fact most insurance companies participate in a system to give rate comparisons. All consumers are required to do is take a few minutes to give details including driver ages, how much school you completed, if it has an alarm system, and level of coverage desired. That rating data is automatically sent to all major companies and they respond with quotes quickly.

Auto insurance companies are expert advertisers

Auto insurance providers like State Farm, GEICO and Progressive regularly use ads on television and other media. All the ads convey the message of big savings if you change to them. That’s great but how can every company charge you less for car insurance? This is the trick they use.

All companies have a certain “appetite” for a prospective insured that will be a good risk. One example of this type of risk profile might be described as between the ages of 40 and 55, has no prior claims, and drives a safe vehicle. A customer getting a price quote that meets those criteria receives the best rates and is almost guaranteed to save when they switch companies.

People who fall short of this stringent profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can make claims like that.

That is why you should quote coverage with many companies. It’s not possible to predict which company will have better premium rates than you’re paying now.

Slash your auto insurance rates with these six discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so the below list has some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Distant Student – Older children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • Waiver for an Accident – Not really a discount, but some companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident without the usual rate increase if your claims history is clear before the accident.
  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Good Student Discount – Excelling in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students up to age 25.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy life insurance.
  • Save over 55 – If you qualify as a senior citizen, you are able to get lower premium rates for NV Cargo insurance.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Auto insurance companies that may include these benefits include:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

If you are trying to find low cost insurance quotes, ask all companies you are considering to give you their best rates. Discounts may not apply to policyholders in your area.

You are unique and your insurance coverage should be too

When it comes to choosing adequate coverage, there really is no one size fits all plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Does my policy pay for OEM or aftermarket parts?
  • What is the difference between comprehensive and collision coverage?
  • How much liability insurance is required?
  • Is business equipment covered while in my vehicle?
  • Who is covered when they drive my 2018 Nissan NV Cargo?
  • What if I total my 2018 Nissan NV Cargo and owe more than it’s worth?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Car insurance 101

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision coverage pays for damage to your NV Cargo from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages

This will cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance will pay to fix 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 can pay for things such as falling objects, damage from getting keyed and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, rehabilitation expenses, prosthetic devices, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

What is YOUR best insurance company?

We just presented a lot of tips how to shop for 2018 Nissan NV Cargo insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at the best price while still protecting your assets.

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