Drivers have lots of choices when trying to find low-cost Nissan Stanza insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to make rate comparisons. There is a better way to shop for car insurance and you need to know the quickest way to get price quotes for a new or used Nissan and locate the lowest price from local insurance agents and online providers.
You should make it a habit to take a look at other company’s rates periodically since rates trend upward over time. Even if you think you had the best price for Stanza insurance a year ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to find lower rates on car insurance.
Why your Nissan Stanza insurance rates may be high
An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for car insurance. Knowing what influences your rates helps enable you to make changes that can help you get better car insurance rates.
Shown below are some of the items that factor into your rates.
- More miles equals more premium – Driving more miles in a year the higher your rates will be. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Stanza may be costing you. Ask your agent if your car insurance coverage is rated on the proper vehicle usage.
- Traffic violations increase rates – Even a single moving violation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than bad drivers. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to continue driving.
- Your location affects your rates – Living in less populated areas can save you money when buying car insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Urban drivers tend to have traffic congestion and a longer drive to work. Longer commute distances translates into higher accident risk.
- Better credit means lower rates – Having a bad credit history is a huge factor in determining what you pay for car insurance. If your credit rating is not that good, you could be paying less to insure your Nissan Stanza by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
- A lapse in coverage is a bad thing – Driving your car without having proper coverage can get your license suspended and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, but being ticketed for driving with no insurance will get you a license revocation or jail time.
- Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Nissan. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, and burglary. Your deductibles are how much you are required to spend if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive for Stanza insurance.
- Teen drivers pay high rates – Young drivers tend to get distracted easily behind the wheel so car insurance rates are higher. Parents adding a young driver to your car insurance policy can really hurt. Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
- Being married is a good thing – Having a spouse can get you a discount when buying car insurance. Marriage means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
How much can you save with discounts?
Companies do not advertise every discount in a way that’s easy to find, so we break down some of the more common as well as the least known car insurance savings.
- Multiple Policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
- Federal Government Employee – Simply working for the federal government can save as much as 8% for Stanza insurance depending on your company.
- Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Fewer Miles Equal More Savings – Fewer annual miles on your Nissan can earn discounted rates on garaged vehicles.
- Student Driver Training – Require your teen driver to complete a driver education course in school.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous.
For a list of providers offering car insurance discounts, click here.
But I prefer to buy car insurance from an agent
Certain consumers just want to get advice from a local agent and that is just fine! The best thing about comparing insurance prices online is you may find the best rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is instantly submitted to participating agents who will return price quotes to get your business. You never need to leave your house as quotes are delivered to your email. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
Picking an insurance company requires more thought than just the price. These are valid questions to ask:
- Are you getting all the discounts the company offers?
- How long has their agency been in business?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they regularly work with personal auto policies?
- How much can you save by raising your physical damage deductibles?
- Do they review policy coverages at every renewal?
- How are they compensated?
To view a list of agents in your state to contact, visit this page.
After receiving satisfactory answers to your questions and an affordable coverage quote, most likely you have located a company that meets your needs to adequately provide car insurance.
Buyer beware of car insurance advertising tricks
Companies like Allstate, GEICO and Progressive continually stream ads in print and on television. All the ads make an identical promise of big savings after switching your policy. But how can every company say the same thing?
Different companies have a preferred profile for the driver they prefer to insure. An example of a desirable insured could possibly be over the age of 40, insures multiple vehicles, and drives newer vehicles. A driver who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.
Consumers who fall outside these standards will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can claim big savings. That is why it is so important to quote coverage with many companies. It’s impossible to know the company that will provide you with the cheapest rates.
Your coverage should be tailored to you
When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.
For example, these questions might help in determining whether or not you would benefit from an agent’s advice.
- Can I pay claims out-of-pocket if I buy high deductibles?
- Are all vehicle passengers covered by medical payments coverage?
- Should I sign the liability waiver when renting a car?
- Am I covered when using my vehicle for business?
- Am I covered when pulling a rental trailer?
- Is my custom paint covered by insurance?
- What is covered by UM/UIM coverage?
- Does my medical payments coverage pay my health insurance deductible?
- Am I getting all the discounts available?
If it’s difficult to answer those 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, fill out this quick form.
One last thing
As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage for the lowest price.
Cheap Nissan Stanza insurance is possible on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
You just read a lot of techniques to save on Nissan Stanza insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.
