Best 5 Ways You Can Find Coverage for a Nissan Van and Save Money

Are you tired of scraping the payment together to pay your car insurance bill each month? You are no different than many other drivers. Big companies like GEICO, Farmers Insurance and State Farm continually hit you with TV and radio ads and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

If you have a policy now or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. Buying car insurance is not that difficult. Drivers only need to know the tricks to get comparison quotes online.

Comparison of Car Insurance

Finding a better price on car insurance can be surprisingly simple. The only requirement is to take the time to compare rate quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This easy form keeps you from doing boring form submissions for each company. One form will get you rate comparisons .

A more time consuming way to compare rate quotes is spending the time to visit the website of each company and request a quote. For instance, let’s say you want comparison quotes from Auto-Owners, Esurance and GEICO. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, double check that you are using apples-to-apples coverages with every price quote. If your comparisons have unequal deductibles or liability limits it’s impossible to make an equal comparison.

Policy discounts you shouldn’t miss

Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be manually applied in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
• Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
• Memberships – Belonging to a qualifying organization could qualify you for a break on your policy on van coverage.
• Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% on van coverage.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way. Any amount of discount will bring down your overall premium however.

For a list of insurers with the best car insurance discounts, follow this link.

Specific coverage details

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, a broken windshield, theft and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Van.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability insurance

This will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people. It does not cover 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 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, structural damage, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as dental work, X-ray expenses, chiropractic care, pain medications and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance covers damage to your Van resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

Cheaper Nissan Van insurance can be sourced online and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented a lot of tips how to compare Nissan Van insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even find the most savings is with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.