If you’re shopping for Nissan insurance, it’s important to consider what each of the top companies has to offer, so you can find a reasonable rate that suits your budget.
The coverage you choose should fit your driving habits and your specific vehicle.
The best insurance companies provide more than reasonable prices.
They also give their policyholders plenty of insurance options, friendly service, and a timely claims process.
Many factors influence your final rate. Your age, gender, and driving record all affect the cost of your insurance.
The make and model of your vehicle is even more significant, along with several other vehicular related elements.
Insurance providers consider safety ratings, the likelihood of theft, the cost of repairs, the year and condition of your vehicle, and its overall value when determining your rate.
Understanding these elements can help you find the best coverage and rates for your specific insurance needs.
How Much Does Nissan Insurance Cost?
When shopping for Nissan insurance, you should see a variety of price points ranging from cheap to expensive.
Although the least expensive rate is usually the one we are tempted to go for, it’s not always the best choice.
It’s important to understand what type of coverage you’ll receive for the quoted price.
It’s also a good idea to research the company’s background, reviews, and customer satisfaction ratings before committing to any insurance provider.
Below, you’ll find a breakdown of each of these factors, along with other important considerations that can affect a Nissan driver.
Safety Rating and Damage Threshold
The Insurance Institute for Highway Safety (IIHS) performs crash tests and rates safety features and damage thresholds for hundreds of passenger vehicles each year.
These ratings heavily influence the price you pay for Nissan insurance.
The IIHS rates vehicles in several safety categories and provides one of four grades: G (Good), A (Acceptable), M (Marginal), or P (Poor).
Many of Nissan’s vehicles have been tested and received passing grades by the IIHS.
Here are two good examples.
2018 Nissan Rogue
The 2018 Rogue was named a Top Safety Pick by the IIHS and fared very well in safety tests.
IIHS assigned a rating of “G” in all categories except for Headlights, which was rated “A,” and Child Safety Seat Anchors (Ease of Use), which was rated “M.”
2018 Nissan Maxima
The 2018 Maxima was another Top Safety Pick that performed even better in IIHS safety tests.
It assigned a rating of “G” in all categories except for Headlights and Child Safety Seat Anchors (Ease of Use), which were rated “A.”
Comprehensive and Collision Coverage
The overall value of your Nissan is an essential factor that insurance companies consider when determining your rate.
This value is based on the year, make, model, condition, and geographic location of your vehicle.
The below examples are based on good-condition cars located in the 90055 ZIP code, which is in Los Angeles.
According to Kelley Blue Book, the 2018 Nissan Rogue S Sports Utility 4D is worth between $19,733 and $22,188.
The Nissan Rogue S Sedan 4D has a fair market range of $23,380 to $26, 090.
Claims Frequency and Potential to Cause Damage
The IIHS publishes information on insurance loss as it relates to specific cars.
It rates vehicles in the following loss categories: Collision, Comprehensive, Property Damage, Personal Injury, Medical Payments, and Bodily Injury.
According to the IIHS’s 2015-2017 Insurance Loss Report, the Nissan Rogue 4WD was rated “Average” in all categories.
The Nissan Maxima was rated “Substantially Worse than Average” in all categories, except for Property Damage and Bodily Injury, which were rated “Average.”
Your insurance provider may consider these ratings when setting your rate, as they are good indicators of how much it’ll have to pay out in case of an accident.
If the Nissan you’re driving has up-to-date safety features, you often can qualify for discounted prices from your insurance provider.
Nissan is well-known for including many safety features in its vehicles.
Several of the latest models come with automatic emergency braking with pedestrian detection, antilock brakes, intelligent forward collision warning, and multiple airbags as standard equipment.
Blind-spot warning systems are also a common feature in newer Nissan models.
These safety features all contribute to lower overall insurance costs and the potential for discounted rates.
Getting a Quote: What Are the Best Companies for Nissan Insurance?
When you’re shopping for car insurance for your Nissan, or any other make of vehicle, try to get quotes from a minimum of three different insurance providers.
This gives you a good idea of the various rates available and provides an opportunity to look into different policy offerings from multiple companies.
Aside from rates and coverage, here are a few other important things to consider about each carrier:
- Financial strength – Checking your potential insurer’s financial strength may not be top of mind, but it should factor into your research, as it ultimately determines the company’s ability to meet its obligations.
- Licensing – Likewise, this might not immediately pop out as important, but finding out the company or representative’s licensing number can help you find any legal issues or complaints against them.
- Customer service – Apart from just asking friends and family, taking the time to look at multiple customer reviews can help point out any salient issues with customer service.
- How comfortable you feel with the agent – Just as you wouldn’t buy a car from a pushy salesman who seemed untrustworthy, neither should you buy your insurance from a similar character. A good agent should make you feel like their door is always open and no question is too simple.
Once you’re ready to purchase your policy, make sure to ask the following questions to secure a good rate:
- Will I receive a discount if I drive my car less?
- Are good drivers eligible for lower rates?
- Do my vehicle’s safety features qualify me for discounts?
- If I pay in full or set up automatic payments, do I pay less?
What to Know About Nissan
Nissan is a multinational auto manufacturer with headquarters in Japan.
It produces vehicles under the names Nissan, Datsun, and Infiniti at a variety of price points.
Nissan aims to create sustainable vehicles that produce emissions with minimal harm to the environment.
Its cars are also known for top safety ratings.
Taking all this information into consideration, you should have a better understanding of how top providers calculate Nissan insurance rates and feel confident that you can negotiate the best price for your policy.
*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.