Cheap 2008 Nissan Versa Car Insurance Quotes

Searching for lower auto insurance rates for your Nissan Versa? Are you a victim of overpriced auto insurance? Believe me when I say there are many people just like you. Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies and uncover the absolute lowest price

Lower rates by qualifying for discounts

Companies offering auto insurance don’t list all available discounts very well, so we researched some of the more common and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Sign Online – A few companies may give you up to $50 just for signing your application online.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Club Memberships – Being a member of certain professional organizations could qualify you for a break when shopping for insurance coverage on Versa insurance.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Versa insurance with certain companies.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you could get a free insurance coverage policy, it doesn’t quite work that way.

To see a list of insurance companies who offer insurance coverage discounts, click this link.

Comprehensive Auto Insurance Comparison

Finding a better price on auto insurance can be surprisingly simple. The only thing you need to do is take a few minutes to get quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. One of the best ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for multiple quote forms for each company you want a rate for. Just one form will return price quotes from auto insurance companies with the best prices.
  2. A more time consuming way to get comparison quotes is going to each company website and fill out their own quote form. For instance, let’s say you want to compare Geico, Allstate and State Farm. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way to get comparison rates is driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a licensed agent. However, consumers can get the lowest quotes online and still use a local agent and we’ll cover that in a bit.

However you get your quotes, ensure you’re using apples-to-apples coverage information for each comparison quote. If the quotes have differing limits it will be next to impossible to truly determine the lowest rate.

Car insurance is unique, just like you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I better off with higher deductibles on my 2008 Nissan Versa?
  • Is my ex-spouse still covered by my policy?
  • Does my insurance cover a custom paint job?
  • How much can I save by bundling my policies?
  • What is the ISO rating for a 2008 Nissan Versa?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage breakdown

Having a good grasp of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, crashing into a building, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like hospital visits, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, medical expenses and medical services. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, a broken windshield, falling objects and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Be Smart and Buy Smart

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage and discovered at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Throughout this article, we presented many tips how you can save on 2008 Nissan Versa insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with an unexpected company. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm, Geico and Nationwide.

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