Do you want to stop overpaying and find lower-priced Nissan Quest insurance in Philadelphia? Consumers fed up with high insurance rates and are new to comparison shopping online will discover buying the cheapest Nissan Quest insurance in Philadelphia is harder than it should be.
It’s easy to assume that auto insurance companies don’t want customers comparing rates. Drivers who shop rates annually are highly likely to buy a new policy because the odds are good of getting low-cost coverage. Surprisingly, a recent survey revealed that consumers who compared rates once a year saved about $860 a year compared to those who don’t regularly compare prices.
If finding low prices for Nissan Quest insurance in Philadelphia is your objective, then having some insight into how to quote prices and compare insurance rates can help simplify the process.
When shopping for affordable Philadelphia auto insurance quotes, there are a couple of ways of comparing rate quotes from different Philadelphia insurance companies. By far the easiest way to compare rates is to perform an online rate comparison. When comparison shopping, quoting more helps improve the odds of finding better pricing. Not every company allows you to get online rate quotes, so you also need to get rates on coverage from those companies, too.
The companies in the list below are our best choices to provide free rate quotes in Philadelphia, PA. If multiple companies are listed, we suggest you get rates from several of them in order to get a fair rate comparison.
Insurance is not optional in Pennsylvania
Despite the high cost of buying insurance for a Nissan Quest in Philadelphia, maintaining insurance is required in Pennsylvania but also provides important benefits.
First, most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Nissan Quest has a lienholder, most lenders will have a requirement that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender will be forced to insure your Nissan at a much higher rate and make you pay the higher price.
Third, insurance safeguards not only your Nissan but also your financial assets. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. Unknowingly, the average driver is wasting up to $865 each year so compare rates at every renewal to make sure the price is not too high.
Lower the Price of Car Insurance with These Tips
Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, but other criteria are less apparent like your vehicle usage or your financial responsibility. Consumers need to have an understanding of some of the things that aid in calculating your premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that may result in better car insurance rates.
Liability insurance limits should be high – Your car insurance policy’s liability coverage will afford coverage when you are responsible for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Five star crash test rating saves money – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies and cheaper rates on your policy. If the Nissan Quest has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Advanced GPS tracking and theft deterrents – Choosing to buy a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
The more you drive the more you pay – The more miles you rack up on your Nissan every year the more you’ll pay to insure it. Most companies price each vehicle’s coverage based on their usage. Cars left parked in the garage receive better premium rates than cars that get driven a lot. It’s a good idea to make sure your declarations sheet is rated on the proper vehicle usage, because it can save money. A policy that improperly rates your Quest may be costing you.
Higher prices for stressful occupations – Did you know your career choice can influence rates? Careers such as military personnel, police officers, and emergency personnel are shown to have higher rates than average in part from intense work-related stress and long work days. Conversely, professions such as actors, athletes and performers receive lower rates.
Fast cars cost more to insure – The type of car you own makes a big difference in your premium level. The cheapest insurance rates will normally be found when insuring smaller low performance passenger vehicles, but the cost you end up paying is determined by many additional factors.
Insurance loss probability for a Nissan Quest – Insurance companies include the past claim history for a vehicle to help calculate a profitable premium rate. Models that the data shows to have higher loss trends will have higher rates for specific coverages.
The data below shows the loss history for Nissan Quest vehicles. For each policy coverage, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers under 100 indicate a favorable loss history, while numbers above 100 point to more losses or an increased chance of larger losses than average.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Lower rate quotes with discounts
Auto insurance is expensive, but you might find some hidden discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you get a quote, but some need to be asked about in order for you to get them.
- Senior Citizen Discount – Drivers that qualify as senior citizens are able to get lower premium rates.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your Philadelphia auto insurance quote.
- Discount for Low Mileage – Maintaining low annual mileage may allow you to get lower premium rates due to less chance of an accident.
- Early Payment Discounts – By making one initial payment rather than paying monthly you can avoid the installment charge.
- Life Insurance Discount – Select auto insurance companies reward you with better prices if you take out life insurance.
As a footnote on discounts, many deductions do not apply to the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride. But any discount will definitely lower your overall bill.
Some of the insurance companies who may offer most of these discounts include:
When getting a coverage quote, ask every insurance company how you can save money. Some of the discounts discussed earlier may not apply everywhere.
Buying insurance from Philadelphia insurance agencies
A small number of people would prefer to get advice from a local agent and that can be a great decision A nice benefit of comparing insurance online is that drivers can save money and get the lowest rates and still choose a local agent.
After completing this simple form, your information is immediately sent to participating agents in Philadelphia that can provide free Philadelphia auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer because quoted prices will be sent immediately to your email address. You can most likely find cheaper rates AND an agent nearby. If you want to get a rate quote from one company in particular, just visit that company’s website and fill out their quote form.
Finding the right insurance company should include more criteria than just the premium amount. Agents should be asked these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- If they are an independent agency in Philadelphia, which companies do they recommend?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will the quote change when the policy is issued?
- How experienced are they in personal risk management?
- Will they take your side in the event of a claim?
- Do they specialize in personal lines auto insurance in Philadelphia?
- Does the company allow you to choose your own collision repair facility?
Exclusive and independent Philadelphia auto insurance agents
If you want a local insurance agency, it can be helpful to understand the types of agencies and how they operate. Insurance agents are considered either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
These type of agents are contracted to one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. They are highly trained on sales techniques which aids in selling service over price. A lot of people buy insurance from these agents mostly because of the brand legacy rather than low price.
Shown below is a short list of exclusive agencies in Philadelphia that are able to give rate quotes.
- Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map
- Sharon Owens – State Farm Insurance Agent
7034 Frankford Ave – Philadelphia, PA 19135 – (215) 333-5544 – View Map
- Les Moore – State Farm Insurance Agent
6750 N 5th St – Philadelphia, PA 19126 – (215) 224-4400 – View Map
Independent Insurance Agents
Independent agents are not required to write business for one company and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. If you are not satisfied with one company, your policy is moved internally and you stay with the same agent.
If you are comparing insurance prices, we recommend you compare prices from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through small mutual carriers which may provide better rates.
Shown below is a list of independent agencies in Philadelphia willing to provide price quote information.
- Terra Insurance Services
1879 Cottman Ave – Philadelphia, PA 19111 – (215) 742-3743 – View Map
- The Perzel Agency, Inc.
7338 Frankford Ave – Philadelphia, PA 19136 – (215) 335-6878 – View Map
- Martin Insurance
5700 Delancey St – Philadelphia, PA 19143 – (215) 471-6860 – View Map
Don’t give up on cheaper premiums
You just read a lot of information how to find lower-cost Nissan Quest insurance in Philadelphia. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive Philadelphia auto insurance quotes. You may even be surprised to find that the lowest auto insurance rates come from an unexpected company.
Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, policy non-renewal, denial of a claim or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company can be pretty painless.
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.
More information is available on the following sites:
- Electronic Stability Control FAQ (iihs.org)
- What Car Insurance is Cheapest for a Ford Explorer in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for College Students in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Equinox in Philadelphia? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Driving in Bad Weather (Insurance Information Institute)