View 2009 Nissan Versa Car Insurance Quotes

If online insurance comparisons are new to you, there’s a good chance you are baffled by the confusing number insurance agents and companies who claim to have the best insurance rates.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. This article will help you learn how to get online quotes and some money-saving tips. But drivers need to have an understanding of how the larger insurance companies determine prices and take advantage of how the system works.

How to buy auto insurance online

When comparison shopping, there are several ways of comparing price quotes from different companies. The recommended way to find the lowest Nissan Versa rates consists of shopping online. This is very easy and can be done in a couple minutes as outlined below.

  1. Hands down the most simple method consumers can make multiple comparisons is a comparison rater form click to view form in new window. This quick form prevents you from having to do separate quotes to each individual auto insurance company. Filling out one form gets you price quotes from multiple companies. This is by far the quickest method.
  2. Another way to find more affordable insurance requires a visit to the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s assume you need rates from Nationwide, Farmers and Progressive. You would have to navigate to each company’s site to input your insurance information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way to comparison shop is to spend your day driving to all the different insurance agencies. Comparing rate quotes online makes this process obsolete unless your situation requires the trained advice that only an agent can give. However, consumers can obtain prices from the web and still use a local agent.

The approach you take is up to you, just compare apples-to-apples quote information on every price quote you get. If you enter different data it’s not possible to get a fair rate comparison. Just a small difference in limits could throw off the whole comparison. It’s important to know that comparing a large number of companies helps increase your odds of locating a better price. Not every company does online rate quotes, so you should also compare rates on coverage from those companies, too.

Different people need different insurance coverage coverages

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • How can I find cheaper teen driver insurance?
  • Are my friends covered when driving my 2009 Nissan Versa?
  • What should my uninsured motorist coverage limits be in my state?
  • I have health insurance so do I need medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Specifics of your car insurance policy

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like nursing services, ambulance fees, prosthetic devices, hospital visits and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and 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. For this reason, having high UM/UIM coverages is very important. Usually these limits do not exceed the liability coverage limits.

Liability

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as funeral expenses, court costs, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your Versa resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.