2019 Nissan NV200 Car Insurance Quotes 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: May 25, 2024

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Trying to find better car insurance rates for your Nissan NV200? Scraping up a payment for pricey Nissan NV200 insurance can deplete your accounts and force you to make tough financial choices. Comparing price quotes can lower your rates and help to cut your insurance bill.

Due to the increasing number of choices, it can be impossible to find the most affordable insurer.

Shopping for the best protection is not that difficult. If you have a current insurance policy or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of the most effective way to get comparison rates online.

The quickest method we recommend to get policy rate comparisons takes advantage of the fact almost all companies allow for online access to give free rates quotes. The only thing you need to do is provide a small amount of information including driver details, if you have a valid license, the make and model of your vehicles, and distance driven. Those rating factors is then submitted to many of the top insurers and they return cost estimate quickly.

To find lower rates now, click here and see if a lower rate is available.

Are you getting every discount?

Insurance coverage is expensive, but there’s a good chance there are discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but some may not be applied and must be specifically requested in order for you to get them. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

  • Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of 10% to 20% off each policy.
  • Defensive Driving Course – Taking a class that teaches driver safety techniques may get you a small discount if you qualify.
  • Accident Free – Claim-free drivers pay much less in comparison with frequent claim filers.
  • Student Discounts – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Multi-Vehicle Discounts – Insuring multiple cars with the same company qualifies for this discount.
  • Passive Restraints – Cars that have air bags can get savings up to 30%.

Keep in mind that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

A list of companies and a selection of discounts are included below.

  • State Farm may offer discounts for passive restraint, anti-theft, student away at school, multiple autos, and good student.
  • American Family policyholders can earn discounts including multi-vehicle, early bird, accident-free, defensive driver, air bags, TimeAway discount, and mySafetyValet.
  • AAA offers discounts including anti-theft, pay-in-full, education and occupation, good student, and AAA membership discount.
  • GEICO has savings for membership and employees, defensive driver, military active duty, multi-policy, good student, and driver training.
  • Mercury Insurance offers discounts for age of vehicle, location of vehicle, anti-theft, ease of repair, accident-free, type of vehicle, and multi-car.
  • Farmers Insurance discounts include good student, youthful driver, teen driver, homeowner, and mature driver.
  • Progressive includes discounts for good student, multi-vehicle, multi-policy, continuous coverage, and homeowner.

Before you buy a policy, ask each company which discounts they offer. Depending on the company, some discounts might not be offered on policies in your area. To see a list of insurers that provide some of the discounts listed above, enter your zip code here.

When in doubt talk to an agent

When it comes to buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining whether you may require specific advice.

  • Can I still get insurance after a DUI?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?
  • What is UM/UIM insurance?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I rent a car in Mexico?
  • Is pleasure use cheaper than using my 2019 Nissan NV200 to commute?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims such as rock chips in glass, a broken windshield, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2019 Nissan NV200.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses like dental work, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverages

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, legal defense fees, medical expenses, court costs and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision protection

This covers damage to your NV200 caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Find Good Coverage for Less

We just covered a lot of information how to save on 2019 Nissan NV200 insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Some insurance companies may not offer the ability to get quotes online and many times these smaller providers only sell through independent agents. Lower-priced insurance is attainable both online and with local insurance agents, and you should compare rates from both so you have a total pricing picture.

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