View 2015 Nissan Versa Insurance Quotes

No one likes paying for insurance coverage, particularly when their premiums are through the roof. Consumers have many car insurance companies to buy insurance from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.

You should take the time to compare prices once or twice a year since rates go up and down regularly. Despite the fact that you may have had the best price for Versa coverage a couple years back other companies may now be cheaper. There is a lot of bad advice regarding insurance coverage online but with this article, you’re going to get a lot of great tips on how to find affordable insurance coverage.

This information will tell you how to effectively get price quotes. If you have car insurance now, you will be able to save some money using this strategy. Drivers only need to know the proper way to shop on the web.

Impacting insurance rates for a Nissan Versa

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get big savings.

The list below includes a partial list of the pieces companies use to determine your rates.

  • The more you drive the more you pay – The more you drive each year the more you will pay for insurance coverage. Most companies charge to insure your cars based on their usage. Vehicles that are left in the garage qualify for better rates than those used for commuting. Having the wrong rating on your Versa can cost quite a bit. Verify your insurance coverage policy is rated on the correct driver usage.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Men and women have accidents at a similar rate, but men tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI.
  • Do you know you’re credit rating? – A driver’s credit score is a big factor in your rate calculation. So if your credit rating is lower than you’d like, you could pay less to insure your 2015 Nissan Versa by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
  • Your occupation can affect rates – Occupations such as real estate brokers, business owners and stock brokers are shown to have the highest rates due to high stress levels and long work hours. On the other hand, occupations like actors, students and the unemployed pay the least for Versa coverage.
  • Lower rates with optional equipment – Driving a car with an alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • High crash test scores lower rates – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Nissan Versa is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but a few need to be specially asked for prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Versa coverage with a few car insurance companies.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Versa coverage than drivers with accidents.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut the amount you have to pay.

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

When might I need an agent?

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Am I covered when driving someone else’s vehicle?
  • Are rental cars covered under my policy?
  • Is rental equipment covered for theft or damage?
  • Is my custom paint covered by insurance?
  • If my pet gets injured in an accident are they covered?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Coverage for liability

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, funeral expenses, loss of income, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

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

Collision coverage protects against things such as crashing into a building, backing into a parked car, rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Versa.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane, theft and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, chiropractic care and nursing services. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

You just read a lot of information how to compare 2015 Nissan Versa insurance prices online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest premiums are with a small local company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

Lower-priced insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

More information can be read at the links below