Compare 2016 Nissan NV Cargo Insurance Quotes in 2024

Are you burned out from not being able to scrape enough together to pay high insurance rates every month? You have the same problem as many other drivers.

Due to the large number of choices, it is hard for the average consumer to find the right insurance company.

Good decisions result in lower insurance costs

Many different elements are taken into consideration when premium rates are determined. Some factors are common sense like your driving record, but other factors are less obvious like your vehicle usage or your commute time.

Shown below are some of the factors used by companies to determine your premiums.

• Men tend to take more risk – Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn’t necessarily mean that males are worse at driving than females. Women and men have auto accidents at a similar rate, but males tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
• Lower rates come with age – Older people are more cautious drivers, tend to cause fewer accidents and get fewer tickets. Drivers with little experience are known to be inattentive when driving with friends so insurance rates are higher.
• Additional coverages that may be costing you – There are quite a few extra bells and whistles that can waste your money if you don’t pay attention. Coverage for things like rental car coverage, accident forgiveness, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when buying your policy, but if you have no use for them consider taking them off your policy.
• Know your vehicle’s IIHS safety rating – Cars with high safety ratings can get you lower premiums. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders.
• How much liability insurance – Your insurance policy’s liability coverage is the coverage that protects you in the event that you are responsible for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

How to buy car insurance online

There are several ways to compare car insurance prices and some are easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the web to quickly compare rates.

Most of the larger companies enroll in a system where insurance shoppers submit one quote, and each company then returns a price quote determined by their information. This prevents consumers from doing repetitive form submissions for every car insurance company.

To use this form to compare rates enter your zip code here.

The only downside to doing it this way is that you can’t choose which insurance companies you want to price. So if you prefer to pick specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click to enter zip code.

How you compare quotes is your choice, just try to use the same coverages for every quote you compare. If each company quotes different liability limits it will be very difficult to get a fair rate comparison. Having just a slight variation in coverages could mean much higher rates. And when comparing car insurance rates, know that comparing more rates from different companies will enable you to find the best rates. Some companies don’t provide prices over the internet, so you also need to get rates from the smaller companies as well.

Can you really save $392 a year?

Respected companies like State Farm and Allstate seem to constantly run ads on television and other media. All the companies make the same claim that you can save if you change your policy. How does every company charge lower premium rates? This is the trick they use.

All the different companies have a certain “appetite” for the right customer that earns them the highest profit. For example, a preferred risk should be between the ages of 30 and 50, carries high limits, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest premium rates and as a result will probably save when switching.

Potential insureds who are not a match for the requirements may receive higher rates which usually ends up with the customer not buying. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save that much money. That is how companies can make it sound like they have such great prices.

Because every company is different, you should do a quote comparison often. It is just not possible to predict which insurance company will have better premium rates than you’re paying now.

Lower your auto insurance rates with discounts

Some insurers do not list every discount available in a way that’s easy to find, so the next list breaks down some of the best known and the more hidden credits available to you.

• Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
• Accident Waiver – This isn’t a discount exactly, but a few companies such as State Farm and GEICO will allow you to have one accident before your rates go up if you have no claims prior to being involved in the accident.
• Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the medical payments premium.
• Early Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
• Discount for New Cars – Buying insurance on a new vehicle is cheaper since newer models are generally safer.
• Defensive Driver Discount – Taking a course in safe driver could earn you a small percentage discount and easily recoup the cost of the course.
• Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on NV Cargo coverage compared to accident prone drivers.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and the discounts they provide are detailed below.

• American Family may have discounts that include multi-vehicle, Steer into Savings, bundled insurance, good student, and TimeAway discount.
• Nationwide has savings for accident-free, business or organization, multi-policy, family plan, and defensive driving.
• MetLife may offer discounts for good student, good driver, accident-free, defensive driver, multi-policy, claim-free
• 21st Century includes discounts for early bird, theft prevention, defensive driver, anti-lock brakes, and air bags.
• Farmers Insurance may include discounts for multi-car, business and professional, pay in full, good student, bundle discounts, alternative fuel, and youthful driver.
• Allstate offers discounts including EZ pay plan discount, premier discount, resident student, early signing, senior citizen, auto/life discount, and anti-lock brakes.

Before purchasing a policy, check with every prospective company the best way to save money. All car insurance discounts might not be offered in your area.

You are unique and your auto insurance should be too

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. For example, these questions may help you determine if your insurance needs may require specific advice.

• How much underlying liability do I need for an umbrella policy?
• How can I get high-risk coverage after a DUI?
• Am I covered if I drive in a foreign country?
• Is a new car covered when I drive it off the dealer lot?
• I have a DUI can I still get coverage?
• Do I have coverage when using my vehicle for my home business?
• Does my 2016 Nissan NV Cargo need full coverage?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and enter your zip code.

Specific coverage details

Learning about specific coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, dental work, hospital visits, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your NV Cargo resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, hail damage and fire damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan NV Cargo.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance – This coverage protects you from damages or injuries you inflict on a person or their property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

More quotes mean more savings

When searching for affordable auto insurance quotes, don’t be tempted to reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Some companies do not offer online price quotes and most of the time these regional insurance providers only sell through local independent agencies. Budget-conscious 2016 Nissan NV Cargo insurance can be found on the web as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates.