Shoppers have lots of choices when shopping for the best price on Nissan NX insurance. They can either waste time calling around to get rate comparisons or save time using the internet to make rate comparisons. There are both good and bad ways to find auto insurance online and we’ll show you the proper way to get price quotes for a new or used Nissan and locate the best price possible either online or from local insurance agents.
It’s important to price shop coverage before your next renewal because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rate on NX coverage on your last policy the chances are good that you can find a lower price today. You’ll find a ton of advice on auto insurance out there, but I’m going to show you some great ideas on how to buy auto insurance cheaper.
If you currently have a car insurance policy, you will most likely be able to save some money using these tips. The purpose of this post is to let you in on how to effectively get price quotes and some money-saving tips. Nevertheless, drivers can benefit by having an understanding of the methods companies use to sell online and take advantage of how the system works.
Quote auto insurance online
There are multiple methods you can shop for auto insurance but some are easier and takes less work. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.
Most car insurance companies take part in a program where prospective buyers complete one form, and each company can give them a price determined by their information. This eliminates the need for form submissions for each company.
To participate in this free quote system, click here (opens in new window).
The one disadvantage to comparing rates this way is that consumers can’t choose the providers you want pricing from. If you wish to select individual companies to receive pricing from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.
You can use whichever method you prefer to find lower rates, just try to use the same quote data on every quote you get. If you enter unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Nissan NX. Slightly different insurance coverages may result in large price differences. And when comparison shopping, quoting more will enable you to find the best rates. Some insurance companies are not set up to provide online rate quotes, so you should also compare prices on coverage from those companies, too.
The auto insurance bait and switch
Companies like GEICO, State Farm and Progressive continually stream television, radio, and online ads. All the companies tend to make the same promise about saving some big amount just by moving your coverage to them. That’s great but how can every company make the same claim? It’s all in how they say it.
Many companies look for specific characteristics for the type of driver that will be a good risk. One example of a profitable customer might have to be over the age of 50, has no claims, and does not commute to work. Any new insured who meets those qualifications will probably get the lowest premium rates and will cut their rates if they switch.
People who may not quite match those standards will get higher rates and ends up with business going elsewhere. The trick is to say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make claims like that. Different companies use different criteria so it is so important to get a wide range of price quotes. Because you never know the company that will have better car insurance rates than you’re paying now.
Get cheaper auto insurance quotes with discounts
Car insurance companies do not list all their discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you may be paying too high a price.
- Military Deployment Discount – Being deployed with a military unit could be rewarded with lower prices.
- Homeowners Savings – Owning a house can save a few bucks because maintaining a house is proof that your finances are in order.
- Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
- Telematics Discount – Insureds who allow their insurance company to study driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
- No Charge for an Accident – but a few companies such as Allstate and GEICO will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
- Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
- Early Switch Discount – A few companies give discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
- Bundled Policy Discount – If you can bundle your auto and homeowners insurance with the same company you will save up to 20% off your total premium.
- New Vehicle Savings – Buying a new car model is cheaper compared to insuring an older model.
- Drive Safe and Save – Drivers without accidents can save up to 40% or more on their on NX coverage as compared to drivers with claims.
Just know that most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
A list of auto insurance companies and a selection of discounts are outlined below.
- American Family may include discounts for good student, Steer into Savings, multi-vehicle, accident-free, defensive driver, air bags, and early bird.
- Farm Bureau offers discounts for renewal discount, driver training, youthful driver, multi-policy, multi-vehicle, safe driver, and 55 and retired.
- State Farm has savings for multiple policy, student away at school, defensive driving training, Steer Clear safe driver discount, good driver, multiple autos, and good student.
- Travelers includes discounts for IntelliDrive, multi-car, hybrid/electric vehicle, home ownership, and multi-policy.
- The Hartford may offer discounts for good student, air bag, driver training, bundle, and defensive driver.
- GEICO policyholders can earn discounts including daytime running lights, air bags, good student, military active duty, seat belt use, driver training, and five-year accident-free.
- Progressive may have discounts that include continuous coverage, multi-policy, online quote discount, homeowner, multi-vehicle, and good student.
When getting , it’s a good idea to all companies you are considering which discounts can lower your rates. Some credits might not be available to policyholders in your area. To see insurance companies who offer free auto insurance quotes, follow this link.
Tailor your auto insurance coverage to you
When buying adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.
These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.
- Is my Nissan NX covered for smoke damage?
- Will my rates increase for filing one claim?
- Do I have coverage if my license is suspended?
- Will I be non-renewed for getting a DUI or other conviction?
- What discounts do I qualify for?
- Is there coverage for injuries to my pets?
If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.
Auto insurance coverages and their meanings
Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for medical payments – Med pay and PIP coverage provide coverage for bills such as doctor visits, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects, fire damage, a broken windshield and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverages – Collision insurance covers damage to your NX resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Liability coverages – This coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.
And the best auto insurance company is…
When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits and learned later that it was a big mistake. Your focus should be to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.
More affordable auto insurance can be bought from both online companies and from local agencies, so get from both of them to have the best rate selection. Some auto insurance companies may not offer the ability to get quotes online and usually these smaller companies work with independent agencies.
You just read many ways to compare Nissan NX insurance car insurance rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with the smaller companies.
