How many times have you told yourself it's time to shop around for the cheapest insurance rates in Memphis, TN? Memphis buyers have lots of choices when searching for the best price on Nissan Quest insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to get rate quotes. There are both good and bad ways to shop for insurance so we're going to tell you the proper way to quote coverages for a Nissan and locate the cheapest rates either online or from Memphis insurance agents.
Unfortunately, a large majority of insurance policyholders in Tennessee have stayed with the same insurance company for well over three years, and just short of a majority have never shopped around. With the average premium in the U.S. being $1,847, drivers could pocket up to $859 a year just by comparing rates, but they just assume it's a time-consuming process to find cheap insurance by shopping around.
If you have coverage now or just want cheaper rates, follow these tips to buy cheaper car insurance while maintaining coverages. Our objective is to familiarize you with how to effectively get price quotes and some tricks to saving. You just need to use the most efficient way to shop their coverage around online.
The fastest way that we advise to compare car insurance rates for Nissan Quest insurance in Memphis utilizes the fact almost all companies will pay a fee to provide you with free rate quotes. All you need to do is provide a small amount of information including the make and model of your vehicles, if you lease or own, if you're married, and coverage limits. Those rating factors is sent automatically to multiple companies and you receive quotes quickly.
To start a rate quote now, click here and find out if you can get cheaper insurance in Memphis.
The following companies are ready to provide price comparisons in Memphis, TN. If multiple companies are shown, we suggest you visit as many as you can to get a more complete price comparison.
Take advantage of these ten premium slashing discounts
Not too many consumers would say insurance is affordable, but you may qualify for discounts that many consumers don't even know exist. Many of these discounts will be applied automatically when you purchase, but some need to be manually applied in order for you to get them.
- Service Members Pay Less - Being deployed in the military may qualify for rate reductions.
- Discounts for Safe Drivers - Safe drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Accident Waiver - This one is not really a discount per se, but certain companies permit an accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
- Membership in Organizations - Being in a professional or civic organization is a simple method to lower premiums when shopping for insurance.
- Bundled Policy Discount - When you combine your home and auto insurance and insure them both with the same insurance company you may save up to 20% and get you affordable Nissan Quest insurance rates in Memphis.
- Full Payment Discount - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
- Seat Belt Usage - Requiring all passengers to buckle up can save a little off the PIP or medical payment premium.
- Claim Free - Drivers with accident-free driving histories are rewarded with significantly better rates on Memphis car insurance quote in comparison with frequent claim filers.
- Multi-line Discount - Larger insurance companies have lower rates if you buy a life policy as well.
- Senior Citizens - Seniors can get a small discount on rates.
Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance policy, company stockholders wouldn't be very happy. Any qualifying discounts will definitely lower the amount you pay for coverage.
To find companies offering insurance discounts in Memphis, click this link.
You may need help from an agent
A small number of people would rather get advice from a local agent and that can be a great decision Good insurance agents are trained risk managers and help in the event of a claim. The best thing about getting online price quotes is you may find cheap insurance quotes but still work with a licensed agent.
After completing this short form, the quote information gets sent to agents in your area that provide free Memphis car insurance quotes for your coverage. You don't have to search for any insurance agencies since rate quotes are delivered instantly to you. If for some reason you want to get a price quote from a specific insurance provider, you would need to visit that company's website and fill out their quote form.
Finding the right provider needs to be determined by more than just the quoted price. The answers to these questions are important, too.
- Are aftermarket or OEM parts used to repair vehicles?
- Is every driver in your family covered?
- Will they take your side in the event of a claim?
- How much experience to they have in personal lines coverages?
- What insurance companies do they recommend if they are an independent agent?
- Does the agent help file claims?
If you're trying to find a good Memphis insurance agent, it can be helpful to understand the types of agencies and how they can write your policy. Insurance agents can be classified as either independent agents or exclusive agents. Both can handle insurance, but it's a good idea to understand how they differ since it can impact buying decisions.
These agents generally can only insure with one company and some examples include State Farm, Allstate, and Farm Bureau. They usually cannot provide prices from multiple companies so you might not find the best rates. They are highly trained on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from exclusives primarily because of high brand loyalty and strong financial ratings.
Listed below is a list of exclusive agencies in Memphis who can help you get rate quotes.
- Allstate Insurance: Don Rogers
5812 Winchester Rd - Memphis, TN 38115 - (901) 794-3771 - View Map
- Farmers Insurance: Candace Hall
1444 E Shelby Dr #329 - Memphis, TN 38116 - (901) 345-2615 - View Map
- Ulysses Cosby - State Farm Insurance Agent
248 Cooper St - Memphis, TN 38104 - (901) 276-1044 - View Map
Independent Insurance Agencies
Agents of this type are not limited to a single company and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don't have to find a new agent. If you are comparing rate quotes, you definitely need to get rate quotes from at least one independent agent for the best price selection. Most also write with smaller mutual companies which can be an advantage.
Shown below are independent insurance agencies in Memphis who can help you get rate quotes.
- AutoSave Insurance
2550 Poplar Ave - Memphis, TN 38112 - (901) 458-1630 - View Map
- BURFORD INSURANCE AGENCY
3325 KIRBY PKWY STE 102 - Memphis, TN 38115 - (901) 507-6873 - View Map
- C R Everhart Insurance Agency
5986 Knight Arnold Rd - Memphis, TN 38115 - (901) 362-0545 - View Map
Why you need Nissan vehicle insurance in Tennessee
Even though it can be expensive, auto insurance is most likely required but also gives you several important benefits.
First, just about all states have minimum liability requirements which means you are required to carry a specific minimum amount of liability in order to be legal. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a loan on your car, it's most likely the lender will make it mandatory that you have insurance to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Nissan at a significantly higher premium and make you pay for the much more expensive policy.
Third, insurance safeguards both your Nissan Quest and your assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $825 a year so it's recommended you shop around every year to make sure the price is not too high.
Insurance coverage options for a Nissan Quest
Knowing the specifics of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Liability - This can cover injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others, and doesn't cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/15 which stand for $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property.
Liability coverage pays for claims such as bail bonds, legal defense fees, court costs, structural damage and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Tennessee state minimum liability requirements are 25/50/15 but you should consider buying more coverage.
Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like damaging your car on a curb, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your Quest to bring the cost down.
Comprehensive or Other Than Collision - This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, hail damage and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
UM/UIM Coverage - This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as damage to your Nissan Quest.
Since many Tennessee drivers only purchase the least amount of liability that is required (Tennessee limits are 25/50/15), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Quote often and quote early
We just presented some good ideas how you can get a better price on Nissan Quest insurance in Memphis. The key concept to understand is the more you quote Memphis car insurance, the better your comparison will be. You may even be surprised to find that the lowest premium rates are with the least-expected company.
Some insurance providers don't offer rates over the internet and most of the time these regional carriers sell through local independent agents. Low-cost Nissan Quest insurance in Memphis is possible from both online companies and also from your neighborhood Memphis agents, so you should compare both to have the best selection.
When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage to discover at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Who Has Cheap Tennessee Car Insurance After a Speeding Ticket? (FAQ)
- Who Has Cheap Tennessee Auto Insurance Rates for a Ford Explorer? (FAQ)
- What Auto Insurance is Cheapest in Murfreesboro, Tennessee? (FAQ)
- What is the Best Cheap Car Insurance in Columbia, TN? (FAQ)
- How Much are Tennessee Car Insurance Quotes for Good Students? (FAQ)
- Who Has the Cheapest Tennessee Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has Affordable Auto Insurance Quotes for 4x4 Vehicles in Tennessee? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)