2013 Nissan Versa Insurance Quotes – 5 Tips for Best Rates

Trying to find cheaper insurance rates for your Nissan Versa? No one gets a kick out of paying for insurance, in particular when they are paying too much. Insurance companies such as Allstate and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Free insurance coverage quotes

Getting a more affordable price on 2013 Nissan Versa insurance can be quick and easy. The only requirement is to take time to compare free insurance quotes online from several insurance companies. Shoppers can get rates using one of these methods.

  • The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This quick form prevents you from having to do separate quote forms for every insurance coverage company. One form submission gets coverage cost estimates from multiple low-cost companies.
  • A more difficult way to analyze rates consists of visiting each individual company website to complete a price quote. For sake of this example, let’s assume you want to get rates from Auto-Owners, Liberty Mutual and State Farm. You would have to navigate to each company’s site and enter your information, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

  • The least efficient and most time consuming method to do your price quoting is calling or driving to all the different insurance agencies. Quoting online has made agencies unnecessary unless you require the professional advice that you can only get from talking to an agent. Drivers can find lower rates online but have a local agent actually write the policy.

The approach you take is up to you, just ensure you are comparing identical coverage data for each comparison quote. If each company quotes different data it’s impossible to make a fair rate comparison.

Five discounts for cheaper auto insurance rates

Some insurers don’t list their entire list of discounts in a way that’s easy to find, so the list below details both the well known and the more hidden savings tricks you should be using when you buy insurance online.

  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Larger insurance companies have a break if you buy some life insurance in addition to your auto policy.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt can save a little off the medical payments premium.
  • Accident Free – Drivers with accident-free driving histories pay much less compared to drivers with a long claim history.
  • 55 and Retired – Seniors can possibly qualify for a small decrease in premiums for Versa insurance.

Please keep in mind that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Large auto insurance companies and a summarized list of policyholder discounts are detailed below.

  • Mercury Insurance includes discounts for anti-theft, professional/association, type of vehicle, multi-policy, accident-free, low natural disaster claims, and location of vehicle.
  • Farmers Insurance may have discounts that include bundle discounts, alternative fuel, early shopping, multi-car, good student, and pay in full.
  • Farm Bureau offers discounts including good student, safe driver, renewal discount, multi-vehicle, and 55 and retired.
  • State Farm discounts include good driver, accident-free, anti-theft, student away at school, and driver’s education.
  • Allstate policyholders can earn discounts including premier discount, EZ pay plan discount, early signing, premier plus, FullPay discount, and defensive driver.
  • Geico offers discounts for anti-theft, daytime running lights, driver training, emergency military deployment, defensive driver, anti-lock brakes, and military active duty.

Check with all companies you are considering which discounts can lower your rates. A few discounts might not be offered in your state. To view insurance companies with the best discounts, click this link.

You may need specialized auto insurance coverage

When buying coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining if you might need professional guidance.

  • Do I need higher collision deductibles?
  • Do I need replacement cost coverage on my 2013 Nissan Versa?
  • Is my Nissan Versa covered if I use it for business?
  • Can I still get insurance after a DUI?
  • I have health insurance so do I need medical payments coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • When should I not file a claim?
  • What are the financial responsibility laws in my state?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Can you really save $433 a year?

Consumers can’t get away from ads that claim the cheapest prices from companies such as State Farm, Allstate and Geico. They all seem to convey the message of big savings just by switching your coverage to them.

How can each company give you a better price? Here is the trick they use.

Many companies offer their best rates for the type of driver that will most likely be profitable. An example of a desirable risk might be described as between the ages of 30 and 50, carries full coverage, and has great credit. A driver that hits that “sweet spot” will probably get cheap rates and have a good chance to cut their rates substantially.

Consumers who are not a match for the requirements will probably be forced to pay more expensive rates which usually ends up with the customer not purchasing. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” can save as much as they claim. That’s why companies can truthfully claim big savings. Because each company has a different risk profile, it’s extremely important to compare price quotes frequently. It is just not possible to predict which company will fit your personal profile best.

What car insurance coverages do you need?

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, fire damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like X-ray expenses, ambulance fees, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage will cover damage that occurs to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, repair costs for stationary objects, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Save your cold hard cash

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your objective should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

The cheapest 2013 Nissan Versa insurance can be found online in addition to many insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not provide rates over the internet and most of the time these smaller companies prefer to sell through independent agents.

In this article, we presented some good ideas how you can get a better price on 2013 Nissan Versa insurance. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. Drivers may discover the best price on insurance coverage is with a small mutual company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

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