Cheaper 2010 Nissan Versa Car Insurance Rates

Trying to find lower insurance coverage rates for your Nissan Versa? Feel like you’re a prisoner to overpriced insurance coverage? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the definite lowest rate

It is always a good idea to shop coverage around occasionally because prices are variable and change quite frequently. Even if you got the lowest price on Versa coverage on your last policy there is a good chance you can find better rates now. So just block out anything you think you know about insurance coverage because you’re going to get a crash course in the best way to find better rates and still maintain coverage.

Discounts to lower 2010 Nissan Versa insurance rates

Companies that sell car insurance do not advertise all available discounts very well, so we break down some of the best known and the harder-to-find ways to save on auto insurance. If you don’t get every credit you qualify for, you are paying more than you should be.

Club Memberships – Affiliation with a civic or occupational organization may earn a discount on auto insurance on Versa coverage.
Military Discounts – Being on active duty in the military may qualify for rate reductions.
Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Versa coverage than their less cautious counterparts.
Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Versa coverage with select insurance companies.
Student in College – Kids in college living away from home attending college and don’t have a car can receive lower rates.
Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on Versa coverage.
Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.

Keep in mind that many deductions do not apply the the whole policy. Most cut individual premiums such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way.

For a list of providers with discount auto insurance rates, click this link.

How to Compare Insurance Rates

Reducing your 2010 Nissan Versa insurance rates doesn’t have to be difficult. The only requirement is to take the time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The fastest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form gets you price quotes from multiple low-cost companies.
A slightly less efficient method to find lower rates requires you to visit each company website and complete a new quote form. For example, we’ll assume you want comparison quotes from Liberty Mutual, Progressive and Travelers. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The least recommended method to compare rates is to drive around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. It is possible to compare online quotes but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits and deductibles on every quote. If you compare unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Why your Nissan Versa insurance rates may be high

Smart consumers have a good feel for some of the elements that help determine the price you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are some of the factors used by your company to calculate premiums.

Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, social workers and stock brokers are shown to have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, professions such as scientists, students and homemakers pay the least on Versa coverage.
Higher deductibles cost less – Physical damage coverage, also known as collision and other-than-collision, protects your Nissan from damage. Examples of covered claims are colliding with a building, vandalism, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more money you’re willing to pay, the lower your rates will be on Versa coverage.
Don’t skimp on liability – The liability section of your policy provides coverage in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Nissan is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining whether or not you may require specific advice.

Is extra glass coverage worth it?
What is the minimum liability in my state?
Should I bundle my homeowners policy with my auto?
Does my car insurance cover rental cars?
Is my dog or cat covered if injured in an accident?
Do I really need UM/UIM coverage?
Why do I only qualify for high-risk insurance?
What is an SR-22 filing?
Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t believe everything you hear

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, Geico and Progressive. They all say the same thing that you can save if you switch your coverage to them.

But how can every company claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the right customer that is profitable for them. A good example of a profitable customer could possibly be over the age of 50, is a homeowner, and has great credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don’t meet this ideal profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently advertise the way they do. This illustrates why you should quote coverage with many companies. It’s just too difficult to predict which insurance company will have the lowest Nissan Versa insurance rates.

Auto insurance coverage breakdown

Understanding the coverages of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by auto insurance companies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, prosthetic devices, dental work, hospital visits and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Versa.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.

You can do this!

When shopping online for insurance coverage, never reduce needed coverages to save money. There have been many cases where drivers have reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

Cost effective 2010 Nissan Versa insurance can be bought online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.