How Much Does 2020 Nissan Kicks Car Insurance Cost in 2024?

Beginners to comparing auto insurance rates online may discover sourcing the cheapest insurance coverage is nearly impossible.

It’s smart to compare prices on a regular basis since insurance prices are constantly changing. Even if you got the best deal on Kicks coverage a year ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate the easiest way to find better coverage at a better price.

What determines Nissan Kicks insurance costs?

Many things are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving record, but others are not quite as obvious such as whether you are married or your financial responsibility.

Listed below are some of the items that factor into prices.

• Only buy coverage you need – There are a ton of extra add-on coverages that may not really be needed if you don’t pay attention. Add-on coverages like roadside assistance, death and dismemberment, and additional equipment coverage may be wasting your money. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Youthful drivers cost more – Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be get fewer driving tickets. Teen drivers are statistically shown to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
• Miles driven impacts premiums – The more you drive annually the higher your rates will be. Most companies calculate prices based upon how much you drive. Vehicles used primarily for pleasure use receive better premium rates than those that get driven frequently. It’s a good idea to make sure your vehicle rating correctly shows the correct usage for each vehicle, because it can save money. An incorrectly rated Kicks may be costing you.
• Big cities have higher rates – Being located in areas with lower population has it’s advantages when shopping for auto insurance. People who live in big cities have to deal with more aggressive driving styles and longer commute times. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims.
• Are you male or female? – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that females are better at driving than males. Both genders are responsible for auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving.
• Occupation can influence rates – Do you have a high-stress occupation? Occupational choices like doctors, architects and accountants tend to have higher rates than average attributed to intense work situations and lengthy work days. On the flip side, professions such as actors, students and homemakers have lower than average premiums on Kicks coverage.

How to compare car insurance price quotes

Shopping for lower car insurance rates can be challenging if you don’t know the most efficient way. You can waste hours talking about coverages with agents in your area, or you could use online quotes to achieve your goal.

The majority of car insurance companies participate in a marketplace that enables customers to complete one form, and each company can provide price quotes determined by their information. This eliminates the need for quote requests for each company. To find out how much you’re overpaying now enter your zip code here.

The only downside to doing it this way is that consumers can’t choose which companies you want to price. If you prefer to choose from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click to enter zip code.

Whichever method you choose, be certain you are entering exactly the same quote data for each quote you get. If each company quotes differing limits you will not be able to determine which rate is truly the best. Quoting even small variations in coverages can result in a big premium difference. Just keep in mind that getting more free quotes helps increase your odds of locating more affordable insurance.

Is there deception in advertising?

Big name companies like GEICO, State Farm and Progressive regularly use ads in print and on television. All the companies advertise claims that drivers will save a bundle if you move your coverage. That’s great but how can every company offer drivers better rates? It’s all in how they say it.

Different companies have underwriting criteria for the right customer they prefer to insure. One example of a desirable insured may need to be over the age of 35, owns a home, and drives less than 5,000 miles a year. A customer who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for the “perfect” profile will probably be forced to pay higher premiums which leads to the customer buying from a different company. If you pay attention, the ads say “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can make it sound like they have such great rates.

This really emphasizes why drivers must compare free insurance coverage quotes often. It is impossible to predict the company that will fit your personal profile best.

Lower rate quotes with these discounts

Not too many consumers would say insurance is affordable, but there may be some discounts that you may not even know about. Certain credits will be shown when you quote, but some must be requested specifically before you get the savings.

• Include Life Insurance and Save – If the company offers life insurance, you could get better rates if you take out some life insurance too.
• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on Kicks coverage than less cautious drivers.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
• Driver Safety – Successfully completing a class that teaches defensive driver techniques could save 5% or more and make you a better driver.
• Passive Restraints – Options like air bags or motorized seat belts can receive discounts as much as 30%.

Remember that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Even though the math looks like you could get a free insurance policy, that’s just not realistic.

Popular insurance companies and their possible discounts are detailed below.

• Progressive offers discounts for homeowner, multi-vehicle, online signing, continuous coverage, and online quote discount.
• MetLife offers premium reductions for good student, claim-free, good driver, accident-free, multi-policy, and defensive driver.
• Mercury Insurance includes discounts for ease of repair, location of vehicle, accident-free, annual mileage, good driver, anti-theft, and good student.
• Nationwide may include discounts for accident-free, defensive driving, good student, Farm Bureau membership, business or organization, family plan, and easy pay.
• GEICO offers discounts including federal employee, seat belt use, membership and employees, good student, emergency military deployment, military active duty, and anti-lock brakes.
• AAA may have discounts that include good driver, good student, AAA membership discount, pay-in-full, multi-car, and anti-theft.

If you are trying to find affordable insurance coverage quotes, ask all companies you are considering which credits you are entitled to. Depending on the company, some discounts might not apply everywhere. If you would like to choose from a list of companies who offer cheap insurance quotes, enter your zip code here.

Insurance can be complex

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

• Can I get a multi-policy discount?
• Do I have coverage when making deliveries for my home business?
• Do I benefit by insuring my home with the same company?
• Who is covered when they drive my 2020 Nissan Kicks?
• Should I sign the liability waiver when renting a car?
• Why is insurance for a teen driver so high?
• What are the best liability limits?
• Is my nanny covered when driving my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• What is the ISO rating for a 2020 Nissan Kicks?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Car insurance coverage information

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, attorney fees, repair costs for stationary objects, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your Kicks caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, falling objects and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like nursing services, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Kicks.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liability limits.

Be a smart shopper

When shopping online for insurance, do not buy less coverage just to save a little money. In too many instances, someone dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

We covered a lot of techniques to compare 2020 Nissan Kicks insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with the least-expected company.

Budget-conscious 2020 Nissan Kicks insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide rates over the internet and usually these small insurance companies only sell coverage through local independent agents.