2008 Nissan Armada Insurance Rates – 8 Tips for Cheaper Quotes

Shopping for the cheapest auto insurance on the internet can seem to be impossible for consumers new to buying insurance online. With a ridiculous number of online companies, how can consumers have a chance to compare every one to find the cheapest rates?

It’s smart to take a look at other company’s rates every six months since rates change quite often. Just because you found the best deal for Armada insurance a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper auto insurance.

If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Shopping for the best coverage is quite easy. Although drivers must know the way insurance companies sell insurance online and use this information to your advantage.

Save money by taking advantage of these eight discounts

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known ways to save on insurance.

  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Driver’s Ed – Have your child complete a driver education course if offered at their school.
  • Senior Discount – If you’re over the age of 55, you may receive a discount up to 10% for Armada insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Nissan could be rewarded with discounted rates on garaged vehicles.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Club Memberships – Affiliation with certain professional organizations is a good way to get lower rates when shopping for insurance for Armada insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies offering insurance discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your situation could use an agent’s help.

  • How can I get high-risk coverage after a DUI?
  • Do I have newly-aquired coverage?
  • Does my 2008 Nissan Armada qualify for pleasure use?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need PIP coverage since I have good health insurance?
  • How high should my medical payments coverage be?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Can switching companies really save?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. They all make an identical promise about savings if you switch to them. But how can every company claim to save you money?

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a driver they prefer could possibly be between 25 and 40, owns a home, and chooses high deductibles. A driver who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Drivers who don’t qualify for these standards will be quoted a more expensive rate and ends up with business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the savings. This emphasizes why you need to quote coverage with many companies. You cannot predict which car insurance company will have the lowest Nissan Armada insurance rates.

Insurance coverage specifics

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, EMT expenses, prosthetic devices, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as bail bonds, structural damage, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Armada.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, damage from a tornado or hurricane and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

This coverage pays for damage to your Armada resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, driving through your garage door, scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Stretch your dollar

We just presented some good ideas how to shop for 2008 Nissan Armada insurance online. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies.

Insureds leave their current company for any number of reasons including lack of trust in their agent, poor customer service, policy non-renewal and delays in responding to claim requests. Whatever your reason, finding a great new company is not as difficult as it may seem.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Additional detailed information is available by following these links: