Save on 2011 Nissan Versa Car Insurance Cost

Comparing and finding cheap rates for Driverscar insurance can seem to be frustrating for beginners to comparing prices online. With more and more insurers available, it can easily be a real challenge to find cheaper car insurance rates.

It’s smart to compare prices once or twice a year since insurance prices go up and down regularly. Even if you got the lowest price for Versa insurance last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re going to learn the fastest and easiest way to lower your annual insurance bill.

Buy insurance online

There are a lot of ways to shop for insurance, but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and every company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions to every company.

To access this free quoting program, click here (opens in new window).

The single downside to pricing coverage this way is that consumers can’t choose which companies to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we have a page of low cost insurance companies in your area. View list of insurance companies.

Compare rates however you want, just be sure to compare equivalent coverages for each price quote. If your comparisons have different data you will not be able to get a fair rate comparison. Slightly different insurance coverages or limits could throw off the whole comparison. Just remember that comparing all the rates in your area helps you find a lower rate.

Do you qualify for discounts?

Companies that sell car insurance don’t always advertise their entire list of discounts in an easy-to-find place, so the list below contains a few of the more well known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Defensive Driver – Completing a course that instructs on driving safety could cut 5% off your bill if your company offers it.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So even though you would think all the discounts add up to a free policy, you’re out of luck.

Popular insurance companies and their possible discounts are:

  • Progressive policyholders can earn discounts including good student, online signing, online quote discount, continuous coverage, homeowner, multi-policy, and multi-vehicle.
  • Farmers Insurance offers discounts for electronic funds transfer, homeowner, distant student, pay in full, good student, and teen driver.
  • Farm Bureau may offer discounts for multi-policy, good student, multi-vehicle, driver training, renewal discount, and safe driver.
  • State Farm has discounts for Steer Clear safe driver discount, defensive driving training, driver’s education, good student, and safe vehicle.
  • Geico includes discounts for membership and employees, defensive driver, air bags, emergency military deployment, multi-policy, anti-theft, and federal employee.
  • SAFECO may include discounts for anti-theft, teen safety rewards, safe driver, anti-lock brakes, accident prevention training, and bundle discounts.
  • Liberty Mutual offers premium reductions for preferred payment discount, exclusive group savings, new vehicle discount, new move discount, safety features, hybrid vehicle, and newly married.

When getting free auto insurance quotes, it’s a good idea to each company or agent what discounts are available to you. Savings may not be offered everywhere. If you would like to choose from a list of insurance companies who offer insurance discounts, click this link.

You can change your insurance costs

Many things are part of the equation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although some other factors are more transparent such as your marital status and annual miles driven.

The following are some of the things used by insurance companies to determine your rates.

  • Car and home together may be cheaper – The majority of insurance companies give a discount to people that have more than one policy such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even with this discount applied, it’s still a good idea to compare other company rates to help ensure you have the lowest rates.There is a good possibility that you can find a better deal even if you insure with multiple companies
  • Do you work long hours in a stressful vocation? – Did you know your career choice can influence rates? Careers like military personnelair traffic controllers and miners generally pay higher premium rates due to stressful work requirements and incredibly demanding work hours. Other occupations like farmers, engineers and retirees get better rates for Versa insurance.
  • Higher comp and collision deductibles cost less – Protection for physical damage, also called comprehensive and collision insurance, insures against damage to your Nissan. Some examples of claims that would be covered are running into the backend of another car, hail damage, and damage from a fallen tree branch. The deductibles you choose define how much you are willing to pay out-of-pocket if you file a covered claim. The more you pay before a claim is paid (deductible), the lower your rates will be for Versa insurance.
  • Your liability protection limits – The liability coverage on your policy provides coverage if ever a court rules you are at fault for damages caused by your negligence. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Better insurance coverage rates on cars with good safety ratings – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Nissan is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Don’t assume everyone needs the same insurance coverage

When buying adequate coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Are rental cars covered under my policy?
  • When does my teenage driver need to be added to my policy?
  • When would I need rental car insurance?
  • Are my friends covered when driving my 2011 Nissan Versa?
  • Do I pay less if my vehicle is kept in my garage?
  • What exactly is covered by my policy?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance ads bend the truth

Progressive, Geico, Allstate and State Farm endlessly run television, radio, and online ads. They all seem to state the claim that you’ll save big after switching your coverage. How is it plausible that every one can give you a better price? This is how they do it.

Insurance companies have a preferred profile for the right customer that earns them the highest profit. An example of a driver they prefer may be between the ages of 30 and 45, has never had a policy lapse, and drives less than 10,000 miles a year. Anyone who fits those characteristics will get a cheap rate quote and will probably save if they switch.

Consumers who don’t qualify for the ideal profile will see higher premiums which results in the customer buying from a different company. The ads say “customers who switch” not “everyone who quotes” save that kind of money. That’s why companies can state the savings. Each company has different criteria, so it’s extremely important to compare free auto insurance quotes often. It’s just too difficult to predict which insurance companies will have the lowest rates for your situation.

Insurance policy specifics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

This coverage pays for damage to your Versa caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage covers 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 protects against claims like hail damage, damage from flooding, damage from getting keyed, hitting a deer and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as structural damage, pain and suffering, court costs, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

In Summary

Consumers who switch companies do it for a variety of reasons including policy cancellation, policy non-renewal, extreme rates for teen drivers and delays in paying claims. Whatever your reason, switching auto insurance companies can be pretty painless.

When searching for low cost auto insurance quotes, you should never skimp on coverage in order to save money. Too many times, an accident victim reduced physical damage coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

Discount 2011 Nissan Versa insurance can be bought on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. There are still a few companies who may not have price quotes online and these small insurance companies provide coverage only through independent insurance agents.

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