How Much Does 2013 Nissan NV Insurance Cost in 2024?

High-priced Nissan NV insurance can dry up your savings and make it hard to pay other bills. Doing a rate comparison is a fast and free way to cut your insurance bill.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to find the absolute lowest rate

It’s smart to compare prices at least once a year because prices change quite often. Even if you got the best price for NV insurance six months ago you may be paying too much now. You can find a lot of information about insurance coverage on the internet, but you can learn a bunch of ideas how to lower your insurance coverage rates.

Which auto insurance is cheapest?

Reducing your 2013 Nissan NV insurance rates is actually quite simple. Just take a couple of minutes comparing free car insurance quotes from different insurance companies. It’s really simple and can be done in a couple of different ways.

The best way to compare a lot of rates at once is to use a rate comparison form. This form saves time by eliminating repetitive form submissions for every prospective company. Just one form gets rate comparisons from several companies.

A more difficult way to analyze rates is to manually visit the website for each individual company and go through the quote process again. For example, let’s assume you want to view quotes from Farmers, Safeco and GMAC. You would be required to go to every website and enter your information, which is not fast way to get rate quotes.

The hardest way to quote and compare insurance rates is to waste gas driving to all the different insurance agencies. Comparing rate quotes online makes this unnecessary unless you require the personal advice of an agent trained in personal lines coverage. You can, however, compare the best prices online but have a local agent actually write the policy.

Which method you use is up to you, but be sure to compare the same coverage data on every price quote you get. If you have higher or lower deductibles it’s not possible to determine the lowest rate for your Nissan NV.

Insurance Coverage Discounts

Some providers do not list every possible discount very clearly, so the list below gives a summary of a few of the more common as well as some of the hidden credits available to bring down your rates. If you check and find you aren’t receiving every discount possible, you are throwing money away.

• Lower Rates for Military – Being deployed in the military can result in better prices.
• Distant Student Discount – Kids who attend college more than 100 miles from home without a vehicle on campus can receive lower rates.
• Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
• Paper-free Discount – Some of the larger companies give back up to $50 just for signing your application on the internet.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and qualify for as much as a 10% discount.
• Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control prevent accidents and will save you 10% or more.
• Onboard Data Collection – Drivers who agree to allow driving data collection to spy on their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they have good driving habits.
• Responsible Driver Discount – Accident-free drivers may receive a discount up to 45% for NV insurance than less cautious drivers.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Large insurance coverage companies and some of the premium reductions they offer can be found below.

• GEICO offers discounts including multi-vehicle, anti-lock brakes, daytime running lights, multi-policy, defensive driver, and air bags.
• Travelers has savings for good student, payment discounts, new car, home ownership, multi-policy, and student away at school.
• Farm Bureau policyholders can earn discounts including driver training, 55 and retired, good student, youthful driver, and multi-policy.
• Liberty Mutual has discounts for exclusive group savings, teen driver discount, new graduate, preferred payment discount, and newly retired.
• American Family offers discounts for air bags, good driver, defensive driver, accident-free, TimeAway discount, early bird, and good student.
• Progressive may offer discounts for multi-vehicle, good student, online signing, continuous coverage, multi-policy, homeowner, and online quote discount.

When comparing rates, check with all companies you are considering how many discounts you can get. Savings may not apply to policyholders in your area. To see insurers with discount rates, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover whether or not you would benefit from an agent’s advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Is my babysitter covered when using my vehicle?
• How can I force my company to pay a claim?
• What if I owe more than I can insure my car for?
• Am I covered when driving a rental car?
• Is a fancy paint job covered?
• Is my teenager covered with friends in the car?
• How can I get my company to pay me more for my totalled car?
• Is a new car covered when I drive it off the dealer lot?
• Should I rate my 2013 Nissan NV as pleasure use or commute?

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 a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Why your insurance costs might be higher

Lots of factors are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are less obvious such as your marital status and annual miles driven. It’s important that you understand some of the factors that help calculate the price you pay for car insurance. If you have some idea of what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels.

• More people means more accidents – Having an address in less populated areas of the country is a positive aspect when shopping for auto insurance. Urban drivers regularly have more aggressive driving styles and more severe claims. Lower population translates into fewer accident claims as well as less vandalism and auto theft.
• Married drivers pay less – Having a spouse can get you a discount when shopping for car insurance. Having a significant other demonstrates that you tend to be more responsible and statistics show married drivers tend to file fewer claims.
• Advanced alarm systems – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
• Do you know your deductibles? – Physical damage deductibles tell how much the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of covered claims could be collision with another vehicle, fire damage, or theft of your vehicle. The more of the claim the insured has to pay upfront, the better rate you will receive for NV insurance.

The largest companies are not always cheapest

Consumers can’t get away from all the ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all seem to try to convey promises that drivers can save some big amount if you move to their company.

How does every company give you a lower rate? Just pay attention to how they say it.

Insurance providers quote the lowest rates for the driver that makes them money. An example of a profitable customer should be married and over the age of 30, owns their home, and chooses high deductibles. Anyone that fits those parameters will most likely get cheap prices and will probably save quite a bit of money when switching.

Drivers who cannot meet those criteria will probably have to pay higher premiums and the customer buying from someone else. The ads say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. This is how companies can lure you into getting a quote.

Because of this risk profiling, drivers should compare rate quotes every year. Because you never know with any certainty which company will have the lowest rates.

Learn about auto insurance coverages for a Nissan NV

Understanding the coverages of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Nissan NV.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments – Med pay and PIP coverage pay for immediate expenses like nursing services, X-ray expenses, hospital visits and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your NV caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, colliding with another moving vehicle, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage will cover damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, theft, damage from a tornado or hurricane and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

When you buy car insurance online, make sure you don’t buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your objective should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Cheaper 2013 Nissan NV insurance is available from both online companies and from local insurance agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance companies do not provide price quotes online and many times these regional carriers provide coverage only through independent insurance agencies.