Buy Cheap Nissan Auto Insurance in 2023

A full coverage auto insurance policy for a Nissan averages under $200 per month, but rates will vary depending on what Nissan model you own. Insurance companies will also change auto insurance rates based on your driving record and age, charging high-risk drivers more. Your choice of an auto insurance company will also greatly impact what you pay, as insurance companies vary greatly in price.

To learn all about Nissan auto insurance and how to buy cheap auto insurance, read on. We go over everything you need to know about auto insurance coverages for Nissan cars, average Nissan auto insurance rates, how to save on Nissan auto insurance, and more.

Different Auto Insurance Coverages for Nissans

Regardless of what model of Nissan you drive, you will have to carry the auto insurance coverages that are required by your state. If you aren’t sure what your state requires, take a look at our guide to minimum auto insurance required by state.

Normally, though, you can expect to have to pay for a policy that has liability insurance, some form of medical insurance, and uninsured or underinsured insurance. If you have a loan or lease on your Nissan, you will also have to carry collision and comprehensive insurance, as it protects the lender’s assets. For an explanation of what all these insurance coverages do, take a look at the list below.

• Bodily injury liability insurance: This important coverage pays for other parties’ medical bills if you cause a crash injuring people who are not in your vehicle.
• Collision auto insurance: This coverage is required by lenders and pays for your Nissan’s repairs if you crash into another car or crash into an object.
• Comprehensive auto insurance: This coverage is required by lenders and pays for Nissan’s repairs if you hit an animal or your Nissan is damaged from weather, vandalism, or falling objects.
• Medical payments (MedPay) insurance: This coverage helps pay the medical bills of you or your passengers if you are injured in a car accident.
• Personal injury protection (PIP) insurance: This coverage helps pay medical bills and other related bills like lost wages if you or your passengers are injured in a car accident.
• Underinsured motorist insurance: This coverage helps pay your repair bills if you are hit by a driver who doesn’t have enough insurance coverage to pay for all of your accident costs.
• Uninsured motorist insurance coverage: This coverage pays your repair bills if you are hit by a driver who doesn’t have auto insurance coverage.

Your insurance company may also offer optional coverages that you may want to consider for your Nissan. Some add-on coverages that may be available are as follows:

• Gap insurance: This coverage helps pay the difference between what is left on your loan and what you are paid for the depreciated value of your car if your Nissan is totaled.
• Modified auto insurance: This coverage covers the higher cost of any modifications you made to your Nissan, such as a custom paint job.
• Rental auto insurance: This coverage helps pay for a rental car if your Nissan is in the repair shop for more than a day or two, so you aren’t stuck without a car until your Nissan is fixed.
• Roadside assistance insurance: This coverage helps with emergency roadside assistance in a number of situations, from running out of gas to flat tires.

If adding one of the above coverages is in your budget and would be useful for your needs, then it may be worth adding to your auto insurance policy. Bear in mind that not all add-on coverages will be available at every auto insurance company.

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Nissan Auto Insurance Rates

Now that you have a better idea of what coverages you need for your Nissan, we want to go over how much auto insurance costs on average. Unlike full coverage policies, minimum liability policies are the cheapest but lack collision and comprehensive insurance.

Unless your Nissan is old and greatly depreciated in value, it is usually well worth carrying a full coverage policy. Below, you can see the average rates for these coverages by different Nissan models.

The most expensive Nissan model to purchase insurance for is the Nissan GT-R. This model has one of the highest retail prices out of all the Nissan models and is a sports car, so its higher insurance price is relevant to the risk of insuring it.

On the other hand, cheaper Nissan models cost less to insure. The Nissan models with the cheapest rates are the Nissan Armada and the Nissan Pathfinder. Both SUVs retail for about half of what the Nissan GT-R retails for.

Besides which model of Nissan you own, Nissan insurance providers will also consider factors like your age and your driving record. Below are the average rates for different Nissan models based on driver demographics and driving records.

Younger drivers will pay more for Nissan vehicle insurance as they lack driving experience, but they will find cheaper rates by choosing a Nissan that is cheaper to insure and more reliable in a crash. Younger drivers will also see their rates decrease as they age, as long as they keep a clean driving record.

This means no at-fault accidents, traffic tickets for moving violations, or DUIs. No matter what age you are, any incidents on your driving record will raise your insurance rates on your Nissan, as insurance companies will view you as more likely to file auto insurance claims. Learn how much auto insurance coverage you need.

How to Save on Nissan Auto Insurance

If you have an expensive Nissan like the Nissan GT-R, you are probably wondering what you can do to lower your auto insurance rates. The first thing you should do is see if there are any Nissan insurance discounts available at the insurance company that you haven’t applied for yet. Some companies may offer a usage-based discount if you participate in its safe driving program, for example.

If you haven’t already bundled insurance policies, a bundling discount can offer significant savings on your auto insurance policy. If your insurance company sells more than one type of insurance, you can bundle policies like home and auto insurance for a discount.

In addition to auto insurance discounts, you can also raise your auto insurance deductible to lower your Nissan auto insurance rates. Insurance companies lower rates because you are taking on more financial responsibility for repairs after a crash if you raise your deductible.

However, we do caution that whatever you raise your deductible to, it is still an amount you can afford to pay out of pocket. Otherwise, you will be stuck waiting to get your Nissan repaired until you can come up with enough money to pay the deductible amount for repairs.

Finally, if you have taken advantage of discounts and raised your deductible, but insurance is still too high, the best thing to do is shop around for quotes. Auto insurance companies vary greatly in what rates they offer, so the company you are with may not be the cheapest. Getting Nissan auto insurance quotes and comparing them will ensure you are getting the best rate for your Nissan.

We recommend getting quotes every time there is a major change to your policy, such as a change in address, adding a new driver, or a driving infraction. Some insurance companies offer cheaper rates for drivers with DUIs, for example, so your current company may not be offering the best rate.

Picking the Right Nissan Auto Insurance Company

When choosing an auto insurance company for your Nissan. There are a few things to consider beyond just the rates they offer. You should also consider the following when choosing an auto insurance company.

• Coverage options. You want to choose a company that has all the auto insurance coverages you want, whether you are looking for roadside assistance or gap insurance.
• Customer complaints. You should consider the company’s complaint ratio, as a higher ratio of complaints suggests customers are dissatisfied with the company’s service or rates.
• Company ratings. You should also look at the company’s ratings from companies like J.D. Power or the Better Business Bureau (BBB) to see how the company’s reputation and customer service fare.
• Financial ratings. You should check the company’s financial ratings on sites like A.M. Best to make sure the company has a good financial reputation and is capable of paying out claims without financial distress.

Checking these things before you sign up with a new company will ensure that you end up with a cheap company with good customer service. Signing up with a cheap company is not worth it if its customer service and claims process is terrible.

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The Final Word on Cheap Nissan Auto Insurance

Nissan auto insurance can be more expensive if you own a Nissan with a higher retail price. However, there are plenty of things you can do to find cheap Nissan auto insurance, from raising your deductible to bundling insurance policies.

For those who want to dive right into shopping for cheap auto insurance for a Nissan, check out our free quote comparison tool. It will compare quotes from auto insurance companies in your area to help you find the cheapest auto insurance company based on your coverage needs.

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