How Much Does 2018 Nissan NV Passenger Car Insurance Cost in 2024?

Searching for cheaper auto insurance rates for your Nissan NV Passenger? Nobody I know likes buying auto insurance, in particular when it costs too dang much.

People have so many car insurance companies to choose from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest cost provider.

It is always a good idea to get comparison quotes occasionally because insurance prices are constantly changing. Even if you think you had the best deal on NV Passenger coverage a few years ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re about to learn the best way to properly buy coverages and cut your premium.

Which auto insurance is cheapest?

Shopping for lower auto insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You could waste time driving to agents in your area, or you could use online quoting to get pricing more quickly.

The majority of car insurance companies take part in a program that enables customers to complete one form, and at least one company can give them a price determined by their information. This prevents consumers from doing quote requests to each individual auto insurance company. To get comparison pricing now enter your zip code here.

One minor caveat to using this type of form is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to select from a list of companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click to enter zip code.

Whichever method you choose, try to keep apples-to-apples coverage information with each company. If the quotes have different values for each quote you can’t possibly truly determine the lowest rate. Even a minor difference in insurance coverages or limits may cause a big price difference. And when price shopping your coverage, getting more free quotes helps increase your odds of locating better pricing.

Why you might pay lower rates

Many things are used when you get a price on insurance. A few of the factors are predictable like your driving record, but other factors are less obvious like where you live and annual miles driven.

• Rates impacted by your city – Living in areas with lower population can be a good thing when shopping for auto insurance. Residents of big cities tend to have much more traffic and longer commute times. Fewer drivers means reduced accidents and lower theft and vandalism rates.
• Continuous coverage lowers car insurance rates – Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will your rates increase, the inability to provide proof of insurance could earn you a steep fine or even jail time.
• Annual mileage and car insurance premiums – Driving a lot of miles every year the higher your rates will be. Most companies apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your NV Passenger can result in significantly higher rates. It’s always a good idea to double check that your car insurance policy is rated on the proper vehicle usage, because improper ratings can cost you money.
• Discounts for auto and home policies – Most major car insurance companies afford discounts to clients that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, you may still want to shop around to verify if the discount is saving money.
• Extra policy coverages push up premiums – Policies have additional coverages that sound like a good idea at the time if you don’t pay attention. Coverages like roadside assistance, better glass coverage, and Farm Bureau memberships could be just wasting money. These may sound like a good investment when talking to your agent, but now you might not need them so remove them and pocket the money.
• Vehicle options can affect prices – Choosing to buy a car with a theft deterrent system can get you a discount on your car insurance. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help stop vehicle theft.
• Save money by having good credit – Having a bad credit history factor in determining what you pay for car insurance. Drivers with excellent credit scores tend to file fewer claims than drivers who have worse credit. Therefore, if your credit rating is low, you could be paying less to insure your 2018 Nissan NV Passenger by repairing your credit.
• Lower comp and collision deductibles cost more – Comprehensive and collision coverage deductibles define the amount you are willing to pay if you file a covered claim. Insurance for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of covered claims could be collision with another vehicle, damage from fire, or theft of your vehicle. The more the insured has to pay upfront, the better rate you will receive on NV Passenger coverage.

Use discounts on auto insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even know about. Most are applied when you get a quote, but some must be manually applied in order for you to get them. If you do not double check each discount you deserve, you could be saving more on your auto insurance.

• Cautious Drivers – Insureds without accidents can pay as much as 50% less on NV Passenger coverage compared to accident prone drivers.
• Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% on NV Passenger coverage with some auto insurance companies.
• Claim-Free Discount – Drivers who don’t have accidents get the best auto insurance rates in comparison with insureds who have frequent claims or accidents.
• Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and GEICO will let one accident slide before hitting you with a surcharge if you are claim-free for a specific time period.
• Good Student Discount – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
• E-sign Discounts – Many companies give back up to $50 for buying your policy on their website.
• Include Life Insurance and Save – Some companies give a discounted rate on car insurance if you buy life insurance from them.
• Low Mileage Discounts – Keeping the miles down on your Nissan can qualify you for discounted auto insurance rates on garaged vehicles.

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way. But all discounts will definitely reduce your premiums.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

• Farmers Insurance offers discounts for pay in full, early shopping, business and professional, multi-car, and good student.
• State Farm includes discounts for anti-theft, good driver, Drive Safe & Save, passive restraint, multiple policy, and driver’s education.
• Liberty Mutual may have discounts that include new graduate, newly married, exclusive group savings, newly retired, and multi-policy.
• MetLife may offer discounts for claim-free, multi-policy, good student, defensive driver, and accident-free.
• Progressive has savings for multi-vehicle, good student, continuous coverage, multi-policy, online quote discount, and online signing.

If you need lower rates, check with every prospective company the best way to save money. Some discounts may not be offered in your area. If you would like to view companies that offer discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

• What if I don’t agree with a claim settlement offer?
• Should I buy full coverage?
• Can I afford to buy a different vehicle if my 2018 Nissan NV Passenger is totaled?
• Do I need PIP (personal injury protection) coverage in my state?
• Can my teen driver be rated on a liability-only vehicle?
• What is roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete your zip code.

Car insurance coverages and their meanings

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by car insurance companies.

Collision coverage protection

Collision insurance covers damage to your NV Passenger caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as prosthetic devices, hospital visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan NV Passenger.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers claims like loss of income, court costs, medical expenses, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

In Summary

We covered a lot of tips how to reduce 2018 Nissan NV Passenger insurance car insurance rates online. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with the least-expected company. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

When searching for cheap insurance coverage quotes, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage and learned later they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.