Cheaper 2018 Nissan Kicks Insurance Rates in 2024

Trying to find the cheapest insurance for your Nissan Kicks could be difficult, but you can use the following methods to make it easier.

There is a better way to shop for insurance and you need to know the absolute fastest way to price shop coverage on a Nissan and find the cheapest rates from local insurance agents and online providers.

Buying the best insurance coverage is quite easy. If you have a policy now or are shopping for new coverage, you can use these tips to find better prices while maximizing coverage. Drivers just need to understand the proper methods to compare price quotes online.

Find more affordable insurance coverage with these tips

Many things are considered when you get a price on insurance. Most are fairly basic like your driving record, but other factors are not quite as obvious such as whether you are married or your vehicle rating.

• Save money with GPS tracking and theft deterrents – Selecting a car model with an alarm system can get you a discount on your insurance coverage. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
• Your occupation is a factor – Careers like real estate brokers, police officers and accountants have higher premium rates attributed to intense work-related stress and lengthy work days. On the other hand, occupations such as farmers, students and the unemployed have lower than average premiums on Kicks coverage.
• Safer vehicles are cheaper to insure – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and thus lower rates.
• Bad drivers pay high premiums – Just one citation can bump up the cost by as much as twenty percent. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Drivers who have received serious violations like DUI or willful reckless driving may find they need to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
• Prices increase with policy add-ons – There are many add-on coverages that sound like a good idea at the time when buying insurance coverage. Insurance for things like rental car coverage, towing, and extra equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but if you don’t need them remove them and pocket the money.

Insurance coverage quotes comparison

Cutting your insurance coverage rates doesn’t have to be difficult. The only requirement is to take time to compare free insurance coverage quotes to see which company has inexpensive insurance coverage quotes. Rate comparisons can be done using one of these methods.

1. One of the fastest ways to get the best comparison quotes is a comparison rater form. This quick form eliminates the need for boring form submissions for each company. Completing one form gets you coverage quotes instantly. Just one form and you’re done.
2. Another way to analyze rates requires you to visit the website for each individual company to complete a price quote. For instance, we’ll pretend you need rates from Nationwide, State Farm and GMAC. To get each rate you have to navigate to each company’s site and enter your information, which is why most consumers use the first method.
3. The least efficient way to compare price quotes is driving around to different agent offices. The internet can eliminate the need for a local agent unless your situation requires the advice and guidance that you can only get from talking to an agent. It is possible to compare online quotes and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just do your best to enter the same coverage information for each quote you get. If you compare different data you will not be able to decipher which rate is best.

Don’t believe everything you hear

Consumers can’t get away from all the ads that claim the cheapest premium rates from the likes of State Farm, Allstate and GEICO. All the ads state the claim that drivers can save some big amount if you get a free insurance coverage quote and switch your insurance coverage coverage to their company.

That’s great but how can every company charge you a lower premium? It’s all in how they say it.

Many companies have a certain “appetite” for the type of customer that will not have excessive claims. For instance, this type of driver might be described as between the ages of 30 and 45, has a clean driving record, and has a short commute. Anyone that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to this ideal profile will be quoted higher prices which leads to the customer not purchasing. The ads say “customers that switch” not “everyone that quotes” will save that much if they switch. This is how companies can make claims that they all have the best prices.

Because every company is different, it is so important to get insurance coverage quotes as often as possible. It’s not possible to predict with any certainty which company will have the best premium rates for your profile.

Cheaper insurance coverage rates with discounts

Auto insurance companies don’t necessarily list every discount they offer very well, so we break down some of the best known as well as the least known credits that may apply to you.

• Discount for Life Insurance – Select insurance carriers reward you with a discounted price on car insurance if you buy some life insurance too.
• New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because newer vehicles are generally safer.
• Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Save over 55 – Older drivers may be able to get a small decrease in premiums on Kicks coverage.
• Memberships – Joining a qualifying organization is a good way to get lower rates on your next insurance coverage statement.
• Driver’s Education for Students – Cut your cost by having your teen driver complete a driver education course if offered at their school.
• Switch and Save Discount – A few insurance companies allow discounts for switching companies before your current policy expires. You may see this discount when you get insurance coverage quotes online.
• Homeowners Discount – Just being a homeowner may earn you a small savings because it means you have a higher level of financial diligence.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way.

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

• American Family may offer discounts for air bags, good student, bundled insurance, Steer into Savings, good driver, accident-free, and defensive driver.
• State Farm has discounts for anti-theft, Drive Safe & Save, multiple policy, driver’s education, passive restraint, and good driver.
• 21st Century offers discounts for teen driver, defensive driver, 55 and older, driver training, homeowners, and student driver.
• Travelers may include discounts for early quote, payment discounts, good student, multi-policy, home ownership, hybrid/electric vehicle, and save driver.
• GEICO offers discounts including daytime running lights, emergency military deployment, multi-vehicle, driver training, air bags, seat belt use, and membership and employees.

When quoting, ask every company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your area. If you would like to see a list of providers with significant discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

• Do I need PIP coverage since I have good health insurance?
• Does insurance cover damages from a DUI accident?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage when pulling a U-Haul trailer?
• What if I don’t agree with a claim settlement offer?
• Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, free and can help protect your family.

Specific coverage details

Knowing the specifics of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for dental work, X-ray expenses, EMT expenses, ambulance fees and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays for damage to your Kicks resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, fire damage, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Nissan Kicks.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people. Liability 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. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, pain and suffering, funeral expenses, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

At the end of the day…

You just learned a lot of information how to reduce 2018 Nissan Kicks insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the biggest savings come from a small mutual company.

People leave their current company for any number of reasons including not issuing a premium refund, delays in responding to claim requests, policy non-renewal and even high prices. Regardless of your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

When getting insurance coverage quotes online, do not reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits and learned later they didn’t purchase enough coverage. Your goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.