Are you sick and tired of trying to scrape together enough money to insure your Nissan every month? You are no different than many other drivers. Because you have many options when it comes to car insurance, it can be impossible to locate the best company.
Smart consumers take time to check car insurance prices before your policy renews since rates trend upward over time. Just because you had the lowest rates for NV3500 HD coverage a year ago you can probably find a better price now. There is a lot of wrong information about car insurance on the web, but I’m going to show you some proven techniques to put money back in your pocket.
This information will instruct you on the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Drivers just need to understand the most efficient way to shop their coverage around online.
How to Compare Car Insurance Costs
Finding cheaper Nissan NV3500 HD car insurance prices can be relatively painless. You just need to spend a few minutes on the computer to compare quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.
- The best way to get quotes for comparison is a comparison rater form click to view form in new window. This method keeps you from doing repetitive form submissions for each company you want a rate for. Taking the time to complete one form will get you rate comparisons direct from many companies.
- A harder way to get comparison quotes requires you to visit each company website and complete a new quote form. For instance, let’s assume you want to compare rates from Allstate, Liberty Mutual and Progressive. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
- The least recommended way to get comparison rates is driving around to different agent offices. Shopping for car insurance online makes this process obsolete unless you require the professional advice of a licensed agent. Drivers can price shop online but still have the advice of a local agent and you’ll learn how to do that later.
It doesn’t matter which method you choose, just double check that you are using the exact same quote information with every price quote. If you compare mixed coverages then you won’t be able to determine the lowest rate for your Nissan NV3500 HD.
Are you getting all your discounts?
Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Some discounts apply automatically when you get a quote, but some must be specially asked for prior to receiving the credit. If you don’t get every credit possible, you’re paying more than you need to.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
- Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
- Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for NV3500 HD coverage than their less cautious counterparts.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
- Paperless Signup – A few companies give back up to $50 for buying a policy and signing up on their website.
Consumers should know that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way. But any discount will reduce the cost of coverage.
To see a list of insurers who offer car insurance discounts, follow this link.
Comparing rates from local agents
Certain consumers would prefer to talk to a local agent and that is a personal choice. Good agents can answer important questions and help file insurance claims. The biggest benefit of comparing rates online is that you can obtain better rates and still have an agent to talk to. And providing support for small agencies is important especially if you live in a smaller city or town.
By using this simple form, your insurance data is immediately sent to local insurance agents who will return price quotes for your insurance coverage. There is no reason to visit any agencies due to the fact that quote results will go to the email address you provide. How’s that for easy!
Multiple types of insurance agencies
When searching for a good insurance agent, you need to know there are two different types of agents that you can select. Agents are either captive or independent (non-captive). While both can write coverage properly, but it’s important to know the differences because it can impact your agent selection.
Independent Agents
These agents are not required to write business for one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When shopping rates, it’s a good idea to include price quotes from several independent insurance agents to get the best comparison.
Captive Insurance Agents
This type of agents write business for a single company like Allstate, Farmers Insurance, State Farm and AAA. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agents are well schooled on their company’s products which helps them compete with independent agents.
For a complete listing of agencies, click here.
Deciding on an insurance agency should depend on more than just a low price. Some important questions to ask are:
- Is assistance available after office hours?
- What is the agency’s Better Business Bureau rating?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they review policy coverages at every renewal?
- How long has their agency been open?
- How much will you save each year by using a higher deductible?
- If they are an independent agency, which companies do they recommend?
- Can they give you a list of client referrals?
Once you have acceptable answers to any questions you have as well as a affordable price, it’s possible that you found an auto insurance agent that will properly insure your vehicles.
It’s not one size fits all
When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help highlight if you might need professional guidance.
- Do no-fault laws apply in my state?
- Does my policy cover me when driving someone else’s vehicle?
- Am I covered when using my vehicle for business?
- Does liability extend to a camper or trailer?
- Do all my vehicles need collision coverage?
- How can I get high-risk coverage after a DUI?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.
Save $415 a year? Really?
Consumers get pounded daily by advertisements for car insurance savings by GEICO, State Farm and Progressive. All the ads make an identical promise of big savings after switching to their company.
How can each company claim to save you money?
Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. Any driver who meets those qualifications receives the best rates and therefore will save a lot of money.
Consumers who are not a match for these standards will have to pay higher rates and ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. That is how companies can truthfully make the claims of big savings.
Because of the profiling, it is so important to get quotes from several different companies. It’s impossible to know which car insurance company will provide you with the cheapest rates.
Car insurance coverages for a Nissan NV3500 HD
Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.
Comprehensive car insurance
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like vandalism, damage from a tornado or hurricane, theft and rock chips in glass. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto collision coverage
Collision coverage pays for damage to your NV3500 HD from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan NV3500 HD.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Coverage for liability
Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability insurance covers things such as court costs, loss of income, attorney fees, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Coverage for medical expenses
Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Do the work, save more money
As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford.
In this article, we covered many ways to compare Nissan NV3500 HD insurance prices online. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the best price on car insurance is with a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
