Scraping up a payment for overpriced Nissan NV1500 insurance can dwindle your savings account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to lower your monthly bill. There are many car insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, having more insurance companies makes it harder to compare company pricing.
This article will help you learn the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Consumers just need to learn the proper methods to buy auto insurance online.
Discounts are great for lower rates
Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but a few must be specially asked for prior to getting the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on NV1500 insurance.
- Claim Free – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
- Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
- Save with a New Car – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if you qualify.
- Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
- Paperwork-free – A few companies will give a small break simply for signing digitally online.
It’s important to note that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.
To see a list of insurance companies with the best auto insurance discounts, click here.
Nissan NV1500 rates influenced by many factors
It’s important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.
Shown below are some of the factors used by your company to calculate your rates.
- Where you live is a factor – Residing in a small town has it’s advantages when insuring your vehicles. Urban drivers have congested traffic and longer commutes to work. Fewer people means reduced accidents.
- Credit scores impact auto insurance rates – A driver’s credit score is a large factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit ratings. If your credit rating is low, you could be paying less to insure your Nissan NV1500 by improving your rating.
- Traffic citations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket may increase your cost by twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to keep their license.
- Rates may be higher depending on your occupation – Careers like judges, social workers and stock brokers have the highest rates because of high stress levels and long work hours. On the other hand, professions such as pilots, students and retirees get better rates on NV1500 insurance.
- Do you qualify for a multi-policy discount? – Some companies will award you with lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by insuring with multiple companies.
- Rate your vehicle for proper use – The more you drive each year the more you will pay for auto insurance. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Having the wrong rating on your NV1500 can cost quite a bit. Ask your agent if your auto insurance policy shows the correct driver usage, because it can save money.
- Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men are in accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
- High crash test scores lower rates – Cars with high safety ratings get lower rates. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Nissan NV1500 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
But don’t I need an insurance agent?
A small number of people would prefer to buy from a licensed agent and that is just fine! Good agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rates online is you can get lower rates but still work with a licensed agent. Buying from local agencies is especially important if you live in a smaller city or town.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is transmitted to agents in your area who will compete for your insurance coverage. You never need to leave your house due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Choose an insurance agent wisely
When looking for a local agent, you need to know there are two different types of agents from which to choose. Agencies are categorized either independent (non-captive) or captive. Both types can do a good job, but it’s worth mentioning how they are different because it can influence the type of agent you choose
Independent Agencies or Brokers
Independent agencies are not employed by any specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.
When shopping rates, you should always include price quotes from several independent insurance agents for the best price selection.
Captive Insurance Agents
Captive agencies are contracted to one company and some examples include American Family, State Farm and Allstate. Captives cannot compare other company’s rates so always compare other rates. Captive agents are well schooled in insurance sales which helps them compete with independent agents.
To view a complete directory of agents, visit this page.
Choosing an auto insurance agent shouldn’t rely on just the premium amount. Any agent should be forthright in answering these questions:
- Does the agency support the community they serve?
- How long have they worked with personal auto insurance coverage?
- Is assistance available after office hours?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Will their companies depreciate repairs to your car based on the mileage?
- Are claim adjusters local or do you have to take your car somewhere else?
- How long has their agency been open?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Once you have positive feedback to your questions as well as a affordable price, you have narrowed it down to an insurance agent that will service your policy.
In the end, you save
When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In too many instances, drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.
Lower-priced Nissan NV1500 insurance is attainable online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
