Unimaginable but true, nearly 70% of consumers kept buying from the same company for a minimum of four years, and nearly half have never even compared rates from other companies. California insurance shoppers could cut their rates by approximately 35% a year by just comparing rate quotes, but they just don’t understand how easy it is to save money by comparing rate quotes.
The recommended way to save money on Nissan Quest insurance is to compare prices at least once a year from insurers in Irvine.
First, learn about how your policy works and the steps you can take to keep rates low. Many rating criteria that are responsible for high rates such as accidents, careless driving, and a less-than-favorable credit rating can be controlled by making minor changes to your lifestyle.
Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple sources. View insurance agents
Third, compare the new rates to the price on your current policy and see if you can save money. If you find a better price and buy the policy, make sure coverage does not lapse between policies.
Fourth, provide adequate notice to your current company of your decision to cancel your current policy and submit a signed application and payment for your new policy. Immediately upon receiving it, place the new proof of insurance certificate with your vehicle’s registration.
One thing to remember is that you’ll want to make sure you compare similar coverage information on each price quote and to quote with every insurance company. Doing this helps ensure the most accurate price comparison and a good representation of prices.
The are a couple different ways of comparing price quotes from local Irvine insurance companies. The best method to comparison shop is to use the internet to compare rates.
Getting quotes online is very simple and it replaces the need to physically go to insurance agents’ offices. Shopping for insurance online makes this process obsolete unless you have a complicated situation and need the professional advice of an agent trained in personal lines coverage. Some companies do allow you to obtain prices from the web and have a local agent actually service the policy. Just keep in mind that having more price comparisons helps improve the odds of finding the best price.
The providers in the list below offer free quotes in California. In order to find cheap auto insurance in Irvine, CA, we recommend you visit as many as you can to get a more complete price comparison.
Get cheaper Nissan Quest insurance rates in Irvine
Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for before being credited.
- Responsible Drivers – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
- Discount for Swiching Early – Some car insurance companies give discounts for signing up before your current coverage expires. Ten percent is about the average savings.
- Own a Home and Save – Being a homeowner can save you money since owning and maintaining a home means you have a higher level of financial diligence.
- Multi-Vehicle Discounts – Drivers who insure more than one vehicle on a single policy can reduce the rates for all insured vehicles.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
- Savings for New Vehicles – Putting car insurance coverage on a new Quest can save you some money because new model year vehicles are generally safer.
- First Accident Forgiveness – Not necessarily a discount, but a few companies such as GEICO and Liberty Mutual permit an accident without the usual rate increase if your claims history is clear before the accident.
Please keep in mind that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride. But any discount should definitely cut the amount you have to pay.
To see providers that can offer you the previously mentioned discounts in Irvine, follow this link.
Neighborhood agents and insurance
Many people prefer to get professional advice from a licensed agent and that can be a smart move A nice benefit of comparing rate quotes online is that you can find lower rates but still work with a licensed agent. Putting coverage with local insurance agencies is important particularly in Irvine.
Upon completion of this short form, your information is instantly submitted to agents in your area who can give free rate quotes and help you find cheaper coverage. You don’t have to find an agent on your own because quoted prices will be sent directly to your email. You can find better rates without the usual hassles of price shopping. If you want to compare rates from a specific insurance company, don’t hesitate to find their quoting web page and fill out their quote form.
Independent or Exclusive: It’s your choice
If you are wanting to purchase insurance from a reliable agent, you need to know there are two types of agencies and how they work. Agents can either be exclusive or independent agents depending on their company appointments.
Independent Insurance Agencies or Brokers
Agents in the independent channel are not restricted to one company so they can quote policies through many different insurance companies and possibly get better coverage at lower prices. If they quote lower rates, the agent simply finds a different carrier and you can keep the same agent. If you are comparing rate quotes, you should always get quotes from at least one independent agent to get the best comparison.
The following is a short list of independent insurance agencies in Irvine who may be able to give you free rate quotes.
Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates and examples are Allstate, State Farm and Farm Bureau. They are unable to provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are highly trained in insurance sales and that enables them to sell even at higher rates.
Below are Irvine exclusive agents who can help you get price quotes.
Picking the best car insurance agent requires you to look at more than just the premium amount. Ask your prospective agent these questions:
- Do they write coverage based solely on cost?
- Are they giving you every discount you deserve?
- What insurance companies do they recommend if they are an independent agent?
- What are the financial ratings for the companies they represent?
- Do the agents have professional certifications like CPCU or CIC?
Do I need special coverages?
Always keep in mind that when comparing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. You are unique.
For instance, these questions could help you determine if you would benefit from professional advice.
- Why do I need rental car insurance?
- Is coverage enough to protect my assets?
- If I drive on a suspended license am I covered?
- What states are considered no-fault?
- How much liability insurance is required?
- What is high-risk coverage and where do I buy it?
- Will my insurance pay for OEM parts?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Insurance policy coverages for a Nissan Quest
Learning about specific coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.
Coverage for medical expenses – Med pay and PIP coverage pay for expenses like hospital visits, prosthetic devices, pain medications, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like hitting a bird, hitting a deer, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability – Liability coverage will cover damage or injury you incur to people or other property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. California state minimum liability requirements are 15/30/5 but drivers should carry more liability than the minimum.
The illustration below shows why buying the state minimum limits may not provide you with enough coverage.
Collision – This coverage covers damage to your Quest caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as crashing into a building, damaging your car on a curb, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Quest in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/5), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Be persistent to save money
When searching for the cheapest Nissan Quest rate quotes, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate and still be able to protect your assets.
In this article, we covered some good ideas how you can save on Nissan Quest insurance in Irvine. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest rates are with a small local company.
Drivers change insurance companies for many reasons like unfair underwriting practices, not issuing a premium refund, poor customer service and even questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider is less work than it seems.
Additional car insurance information is located at the links below
- Distracted Driving Statistics (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for a Nissan Sentra in Irvine? (FAQ)
- Who Has Cheap Car Insurance Rates for a Honda CR-V in Irvine? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Auto Insurance 101 (About.com)
- Understanding your Policy (NAIC.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)