Compare 2017 Nissan Versa Car Insurance Quotes

Looking for better auto insurance rates for your Nissan Versa? Finding better insurance prices for a Nissan Versa can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to get price quotes for your Nissan and get the best price possible.

It’s a great practice to quote other rates every six months because insurance rates are variable and change quite frequently. Just because you had the lowest premium rates on Versa coverage a few years ago there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but in this article, you’re going to get some guaranteed methods to lower your auto insurance bill.

If you have a policy now or need new coverage, you can follow these tips to find the best rates and still get good coverage. Locating the lowest cost protection is simple if you know the tricks. Drivers just need to learn how to buy auto insurance on the web.

How to compare auto insurance price quotes

Shopping for lower auto insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you can utilize the web to maximize your effort.

Most of the best insurance companies participate in a marketplace that enables customers to complete one form, and each company then gives them pricing. This eliminates the need for quote requests for each company you want a rate for. To find out what other companies charge click here to open in new window.

One minor caviat to comparing rates this way is you can’t choose which companies you will receive quotes from. If you would rather choose individual companies to compare, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you are using apples-to-apples coverages on every quote. If you are comparing different coverage information you will not be able to determine which rate is truly the best.

Advertising myths

Consumers constantly see and hear ads for auto insurance savings by 21st Century, Allstate and State Farm. All the ads advertise claims about saving some big amount if you just switch your policy.

How is it possible that every company can give you a lower rate? It’s all in how they say it.

Insurance providers have underwriting criteria for the type of driver that will not have excessive claims. One example of a profitable customer might be a female over age 40, has no claims, and drives a car with an anti-theft system. A propective insured that matches those criteria is entitled to the best price and will probably save a lot of money.

Potential customers who don’t qualify for these criteria must pay more expensive rates and the customer buying from someone else. The trick is to say “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can lure you into getting a quote.

Because of these techniques, you need to compare free insurance coverage quotes often. It is just not possible to predict which auto insurance company will provide the lowest car insurance rates.

Discounts can really help to save

Insurance coverage is easily one of your largest bills, but you may be missing some discounts that many people don’t even know exist. Some discounts will apply when you purchase, but once in a while a discount must be manually applied before you will receive the discount.

  • Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up to age 25.
  • Senior Citizens – Drivers over the age of 55 may qualify for a small discount on rates on Versa coverage.
  • Defensive Driving Course – Passing a defensive driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Renewal Discounts – A few larger companies offer discounts for switching policies early. The savings is around 10%.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower insurance coverage rate if you buy auto and life insurance together.

Just know that most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, it’s just not the way it works.

If you would like to see a list of insurance companies who offer cheap insurance coverage quotes, click this link.

Will just any policy work for me?

When choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Do I have coverage when using my vehicle for my home business?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can I cancel my policy?
  • Do I have coverage when making deliveries for my home business?
  • Will my rates increase for filing one claim?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I waive the damage coverage when renting a car?
  • Is my nanny covered when driving my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • What can I do if my company denied a claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages and their meanings

Understanding the coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Nissan Versa.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for 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. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, court costs, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, pain medications and hospital visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your Versa caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, backing into a parked car, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Keep this in mind

Low-cost 2017 Nissan Versa insurance is definitely available on the web and from local insurance agents, and you should be comparing both to have the best selection. A few companies may not provide rate quotes online and usually these smaller providers sell through local independent agents.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage and learned later that it was a big error on their part. Your objective should be to get the best coverage possible for the lowest price while still protecting your assets.

We just covered quite a bit of information on how to save on 2017 Nissan Versa insurance. The key thing to remember is the more times you quote, the higher your chance of finding affordable insurance coverage. Consumers could even find that the lowest car insurance rates come from some of the smallest insurance companies.

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