Lower Your 2019 Nissan NV Passenger Car Insurance Rates in 2024

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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: Jun 11, 2024

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Trying to find lower car insurance rates for your Nissan NV Passenger? Wish you could get out of an overpriced car insurance policy? It’s a common feeling and many drivers feel the same as you. Since you have so many different company options, it can be hard to locate the lowest cost insurer.

It’s important to do rate comparisons before your policy renews since prices fluctuate regularly. Even if you got the lowest price for NV Passenger coverage on your last policy there may be better deals available now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

This article will help educate you on how to get online quotes and some tricks to saving. If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Vehicle owners just need to learn the proper methods to compare prices on the web.

The quickest way to compare policy rates is to know almost all companies participate in online systems to quote your coverage. To get started, all you need to do is give them rating details like if a SR-22 is needed, if it has an alarm system, if your license is active, and how much school you completed. That rating data is automatically sent to multiple top-rated companies and they provide comparison quotes very quickly.

Five factors that impact insurance premiums

Lots of factors are used when you quote your car insurance policy. Most are fairly basic such as your driving record, but some are more obscure such as your marital status or your vehicle rating. One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that help calculate the rates you pay for insurance coverage. When consumers understand what influences your rates, this empowers consumers to make smart changes that will entitle you to lower rates.

The list below includes some of the most rate-impacting factors that factor into your premiums.

  • Do safer cars cost less to insure? – Safe vehicles tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer serious injuries means lower claim amounts and thus lower rates. If the Nissan NV Passenger earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
  • Cheaper rates by consolidating – Most major companies give a discount for people that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to shop around to ensure the best deal. Consumers may find a better deal even if you insure with multiple companies.
  • How much liability coverage – Your insurance coverage policy’s liability coverage will protect you when you are determined to be liable for damages caused by your negligence. It provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
  • Youthful driver insurance costs – Young drivers are statistically shown to get distracted easily when driving with friends and because of this, their insurance coverage rates are much higher. Having to add a teenage driver onto a policy can be quite pricey. More experienced drivers have been proven to be more responsible, are lower risk to insure and are safer drivers.
  • Discounts for alarm systems – Purchasing a vehicle with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft.

Insurance coverage policy discounts

The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Senior Discount – Drivers that qualify as senior citizens may receive a small decrease in premiums for NV Passenger coverage.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies may permit one accident before they charge you more for coverage if your claims history is clear before the accident.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you’re out of luck.

If you would like to see a list of companies who offer free insurance coverage quotes, enter your zip code here.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • How do I insure my teen driver?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do all my vehicles need collision coverage?
  • Will my insurance pay for OEM parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Does insurance cover tools stolen from my truck?
  • What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and can help protect your family.

Insurance policy specifics

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.


This protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage pays for damage to your NV Passenger resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, rolling your car, scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for funeral costs, rehabilitation expenses, chiropractic care and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, fire damage, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Don’t break the bank

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage for the lowest cost.

Some auto insurance companies may not offer rates over the internet smaller companies only sell coverage through independent insurance agencies. Lower-priced auto insurance can be found online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis.

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