Lower Your 2012 Nissan Versa Insurance Quotes

Want lower insurance coverage rates for your Nissan Versa? Wish you could get out of an overpriced insurance coverage policy? Trust us, there are many consumers feeling the pinch from expensive insurance coverage.

Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate

Consumers should take time to check insurance coverage prices once or twice a year because prices tend to go up over time. Just because you had the best deal for Versa coverage a year ago other companies may now be cheaper. There are lots of tips to save on insurance coverage on the internet, but in just a couple of minutes you can learn some proven techniques to lower your insurance coverage rates.

Compare quotes for insurance coverage

Shopping for lower insurance coverage rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you can stay home and use the internet for quick rates.

All the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company.

To find out how much you’re overpaying now click here (opens in new window).

The single downside to using this type of form is that you can’t choose the insurers you will receive quotes from. So if you want to choose specific providers to compare prices, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits for each quote you get. If you have different coverage information then you won’t be able to make a fair comparison for your Nissan Versa. Just slight variations in insurance coverages can result in a big premium difference. Just remember that quoting more will improve the odds of getting better pricing. Not every company does online price quotes, so it’s important to compare price quotes from the smaller companies as well.

Why your insurance premiums might be higher

A large part of saving on insurance is knowing some of the things that help determine the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that could result in big savings.

The following are some of the things used by companies to determine your rate level.

  • Premiums are affected by your credit rating – An insured’s credit score can be a huge factor in calculating your insurance rates. Consumers who have very high credit ratings tend to file fewer claims than drivers with bad credit. If your credit can use some improvement, you could save money insuring your 2012 Nissan Versa by improving your rating.
  • Always keep your insurance in force – Allowing your coverage to lapse will be a fast way to increase your insurance rates. And not only will your rates increase, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • More annual miles equals more premium – The higher the mileage driven in a year’s time the more it will cost to insure it. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles that do not get driven very much can be on a lower rate level than those that get driven frequently. Improper usage on your Versa is throwing money out the window. It’s a smart idea to ensure your insurance policy properly reflects the proper vehicle usage.
  • Responsible drivers pay better rates – Only having one chargable violation can increase rates twenty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. Drivers unfortunate enough to have dangerous violations like DUI or reckless driving may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Where you reside factors in – Residing in smaller towns and rural areas of the country may provide you with better prices when buying insurance. Residents of big cities have congested traffic and higher rates of accident claims. Fewer drivers and short commutes means fewer accidents in addition to lower liability claims

More affordable rates by getting discounts

Some companies don’t list every policy discount in a way that’s easy to find, so the following is a list of some of the best known as well as the least known discounts that you can inquire about if you buy insurance online.

  • Driver Training Discounts – Passing a defensive driving course can save you 5% or more and easily pay for the cost of the class.
  • Renewal Discounts – Some insurance companies reward drivers for switching policies prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Driving Data Discount – Drivers that enable their company to monitor vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little on medical payment and PIP coverage.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can save up to 30% because newer models have to meet stringent safety requirements.

Don’t be surprised that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.

Some of the larger companies that possibly offer most of the discounts above include:

When quoting, ask each company or agent the best way to save money. Some credits might not be offered in your state. To find insurance companies with discount rates, click here to view.

Your insurance coverage coverage should be tailored to you

When choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions could help you determine if your situation might need professional guidance.

  • Where can I get insurance after a DUI in my state?
  • Does my 2012 Nissan Versa need full coverage?
  • Which companies will insure high-risk drivers?
  • Do I pay less if my vehicle is kept in my garage?
  • Does coverage extend to Mexico or Canada?
  • Can I afford to pay high deductible claims out of pocket?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, chiropractic care and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Auto liability – Liability coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things like medical services, legal defense fees, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Versa.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – This coverage will pay to fix damage to your Versa resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird, rock chips in glass, falling objects and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Power to the consumer

More affordable auto insurance can be bought from both online companies in addition to many insurance agents, so you need to quote insurance with both to have the best rate selection. There are still a few companies who do not offer rate quotes online and many times these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

You just learned many ways to reduce 2012 Nissan Versa insurance rates online. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap insurance. Consumers may even find the lowest priced auto insurance comes from a small mutual company. They can often provide lower car insurance rates in certain areas compared to the large companies like State Farm or Progressive.

Additional auto insurance information can be read at the links below