Wish you could get out of an expensive car insurance policy? You’re preaching to the choir because you’re not alone.
It’s safe to conclude that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around at least once a year are very likely to buy a new policy because they stand a good chance of finding a lower rate. A recent survey discovered that consumers who shopped around saved an average of $3,450 over four years compared to other drivers who never shopped around.
If finding the cheapest rates on Nissan Quest insurance in Cleveland is your target objective, then having an understanding of how to get rate quotes and compare insurance premiums can make it easier to find better rates. Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to get the lowest cost out there.
Finding cheaper Nissan Quest auto insurance quotes can be quick and easy. Consumers just need to take a couple of minutes to compare rate quotes to find the company with the cheapest Nissan Quest rate quotes.
It’s so easy to compare rates online that it takes the place of having to waste gas driving to different Cleveland agent offices. The ability to get quotes online eliminates the need for an insurance agent unless you have a need for the advice and guidance of a licensed agent. You can, however, get prices online but buy the policy through an agent.
The following companies can provide price comparisons in Ohio. To find cheaper car insurance in Cleveland, OH, we recommend you get rate quotes from several of them in order to find the lowest rates.
Three main reasons to buy insurance
Despite the fact that insurance is not cheap in Cleveland, maintaining insurance serves several important purposes.
- The majority of states have minimum liability requirements which means the state requires specific limits of liability protection in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Nissan Quest, it’s most likely the lender will make it mandatory that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Nissan at a much higher rate and force you to pay the higher price.
- Insurance preserves not only your vehicle but also your financial assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if anyone sues you for causing an accident. If your Nissan gets damaged, your insurance policy will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the cost, especially for larger claims. The average driver in America overpays as much as $750 every year so you should quote rates once a year at a minimum to help ensure money is not being wasted.
Get cheaper Nissan Quest insurance in Cleveland with discounts
Insurance is neither fun to buy or cheap, but discounts can save money and there are some available that can drop the cost substantially. Most are applied when you get a quote, but a few must be requested specifically before you will receive the discount. If they aren’t giving you every credit available, you could be getting lower rates.
- Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could qualify for cheaper prices.
- Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
- More Vehicles More Savings – Having multiple cars or trucks with the same insurance company may reduce the rate for each vehicle.
- No Claim Discounts – Drivers with accident-free driving histories have much lower rates as opposed to frequent claim filers.
- Active Service Discounts – Having a deployed family member could mean lower rates.
While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, that’s just not realistic. Any amount of discount will positively reduce your overall premium however.
Car insurance companies that possibly offer most of the discounts above include:
If you want affordable Nissan Quest insurance quotes, ask every insurance company which discounts they offer. Some of the discounts discussed earlier may not be available in Cleveland. To see a list of companies who offer online Nissan Quest insurance quotes in Ohio, follow this link.
Compare rates but work with a local Cleveland insurance agency
Many drivers still like to talk to an insurance agent and that is OK! Licensed agents are trained risk managers and will help you if you have claims. The biggest benefit of price shopping on the web is that you can obtain cheaper prices but still work with a licensed agent.
To find an agent, once you fill out this short form, the quote information is transmitted to companies in Cleveland who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent directly to you. In the event you want to compare prices from a specific car insurance provider, you just need to search and find their rate quote page to submit a rate quote request.
Finding a good provider should include more criteria than just a cheap price quote. Before buying a policy in Cleveland, get answers to these questions.
- Do they specialize in personal lines coverage in Cleveland?
- Do they see any coverage gaps in your plan?
- Which companies can they place coverage with?
- If your car is totaled, how to they determine the replacement cost?
- Are they able to provide referrals?
- Are all drivers listed on the coverage quote?
- What kind of financial rating does the company have?
- When do they do policy reviews?
Choose the right car insurance agent
When narrowing the list to find a reliable agent, you need to know there are two types of insurance agents and how they work. Car insurance agents are categorized either exclusive or independent (non-exclusive). Both sell affordable car insurance policies, but it’s important to point out the difference between them because it can factor into buying decisions.
Exclusive Insurance Agents
Agents of this type write business for a single company and examples are AAA, Allstate, and State Farm. These agents are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are well schooled on what they offer which aids in selling service over price.
Below is a list of exclusive insurance agents in Cleveland that can give you rate quotes.
State Farm: Stan Harris
12429 Cedar Road, Suite 26 – Cleveland Heights, OH 44106 – (216) 791-1006 – View Map
Anita Tyler – State Farm Insurance Agent
2168 S Taylor Rd – Cleveland Heights, OH 44118 – (216) 371-5900 – View Map
Allstate Insurance: Michael Wrobel
17016 Lorain Ave – Cleveland, OH 44111 – (216) 812-5413 – View Map
Independent Car Insurance Agencies
Agents of this type do not have single company limitations so they can insure your vehicles with many different companies and find the cheapest rate. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. If you need lower rates, you should always include rate quotes from independent agents for the best price selection.
Listed below are independent agencies in Cleveland who can help you get price quotes.
Nationwide Insurance: Joseph R Potts
12300 Lorain Ave – Cleveland, OH 44111 – (216) 251-7374 – View Map
United Agencies
1422 Euclid Ave # 900 – Cleveland, OH 44115 – (216) 696-8044 – View Map
A Better Insurance Services
20660 Aurora Rd – Cleveland, OH 44146 – (216) 475-6800 – View Map
Ratings for Cleveland auto insurance companies
Ending up with the top auto insurance provider can be rather challenging considering how many choices you have in Ohio. The information shown next could help you analyze which providers you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Learn about car insurance coverages for a Nissan Quest
Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.
Medical payments coverage and PIP
Med pay and PIP coverage provide coverage for short-term medical expenses for things like dental work, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Nissan Quest.
Since a lot of drivers have only the minimum liability required by law (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Collision coverage protection
Collision coverage pays for damage to your Quest caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like crashing into a building, colliding with a tree, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Quest to get cheaper collision coverage.
Comprehensive coverage
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability
This will cover damage that occurs to a person or their property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things like court costs, emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible. Ohio state minimum liability requirements are 25/50/25 but drivers should carry higher limits.
The next chart shows why low liability limits may not be enough coverage.
Cheap auto insurance premiums are possible
Low-cost Nissan Quest insurance in Cleveland is possible both online in addition to many Cleveland insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide internet price quotes and these regional insurance providers only sell through local independent agents.
As you quote Cleveland car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured cut full coverage and found out when filing a claim that it was a big mistake. Your goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.
We just covered a lot of tips how to get a better price on Nissan Quest insurance in Cleveland. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even find the best prices are with the smaller companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.
How to buy affordable Nissan Quest insurance in Cleveland
If saving the most money is your goal, then the best way to find better pricing on Nissan Quest insurance in Cleveland is to start doing a yearly price comparison from insurance carriers who sell insurance in Ohio. Price quotes can be compared by completing these steps.
Step 1: Gain an understanding of auto insurance and the changes you can make to prevent high rates. Many factors that increase rates like getting speeding tickets and a negative credit history can be remedied by making lifestyle changes or driving safer.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO and State Farm, while independent agents can quote prices from multiple insurance companies.
Step 3: Compare the new rate quotes to your current policy to determine if you can save on Quest insurance in Cleveland. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
Step 4: Give notification to your current company to cancel the current policy and submit the required down payment along with the signed application to the new company. As soon as you receive it, put the new certificate of insurance in an accessible location in your vehicle.
A good piece of advice is to compare the same liability limits and deductibles on each quote and and to get price estimates from every insurance company. Doing this enables an accurate price comparison and the most accurate and complete price analysis.
Helpful learning opportunities
- Think You’re a Safe Driver? (State Farm)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- What is Covered by GAP Insurance? (Allstate)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Determining Auto Insurance Rates (GEICO)