Cheap 2014 Nissan Versa Insurance Quotes

Buyers have a choice when searching for low-cost Nissan Versa insurance. They can either waste time contacting agents trying to get quotes or use the internet to get rate quotes. There is a better way to compare insurance coverage rates so we’re going to tell you the quickest way to price shop coverage for a Nissan and find the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Vehicle owners only need an understanding of how to shop their coverage around over the internet.

Finding car insurance

Finding a better price on car insurance isn’t really that difficult. The only thing you need to do is take the time getting comparison quotes to find the company with the cheapest insurance quotes. Rate comparisons can be done in a couple of different ways.

One of the fastest ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single form will get you price quotes from car insurance companies with the best prices. Just one form and you’re done.
A more time consuming way to obtain and compare quotes online requires you to visit the website of each company and fill out a new quote form. For sake of this example, we’ll pretend you want to get rates from Liberty Mutual, Allstate and Travelers. To find out each rate you need to navigate to each company’s site and repeatedly type in your coverage information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
Even if you have time, the least recommended way to comparison shop rate quotes is calling or driving to and from local insurance agencies. Quoting online reduces the need to sit down with an agent unless you want the peace of mind that only an agent can give. Drivers can compare the best prices online but buy the policy through an agent.

However you get your quotes, try to use equivalent coverage limits and deductibles for each comparison quote. If the quotes have different deductibles it’s impossible to decipher which rate is best.

Save $488 a year. For real?

Consumers can’t get away from all the ads that claim the lowest car insurance rates by 21st Century, Allstate and State Farm. They all seem to say the same thing that drivers can save some big amount after switching your insurance policy to them.

How does each company give you a better price? This is the trick they use.

Many companies provide the lowest rates for a prospective insured that will be a good risk. An example of a driver they prefer might be over the age of 35, owns their home, and the vehicle is rated for pleasure use. A customer who fits that profile will get a cheap rate quote and will also cut their rates if they switch.

Consumers who may not quite match these stringent criteria will probably be forced to pay more expensive rates and this results in the prospect going elsewhere. Company advertisements say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That is how companies can make claims like that. This really drives home the point why it is so important to get a wide range of price quotes. It’s just too difficult to predict which company will have the best premium rates.

Take policy discounts and save

Auto insurance is expensive, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but a few need to be requested specifically before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

Distant Student Discount – who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
Save with a New Car – Insuring a vehicle that is new can save up to 30% because newer models keep occupants safer.
Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
Low Mileage Discounts – Driving less may enable drivers to earn discounted prices on garaged vehicles.
Homeowners Discount – Just being a homeowner can save a few bucks since home ownership shows financial diligence.
Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on the same auto insurance policy could earn a price break for each car.
Accident Forgiveness – Not really a discount, but certain companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
Active Military Service – Being deployed with a military unit could trigger a small discount.
Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks off the medical payments premium.
Passenger Safety Discount – Vehicles with factory air bags could see savings of 20 to 30 percent.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount should help reduce your auto insurance premiums.

Popular auto insurance companies and a partial list of their discounts are shown below.

American Family policyholders can earn discounts including good student, good driver, TimeAway discount, bundled insurance, accident-free, defensive driver, and air bags.
State Farm includes discounts for good driver, good student, multiple autos, student away at school, passive restraint, and Drive Safe & Save.
21st Century offers premium reductions for defensive driver, good student, student driver, homeowners, driver training, anti-lock brakes, and theft prevention.
Travelers has savings for multi-policy, new car, driver training, good student, payment discounts, hybrid/electric vehicle, and save driver.
Geico offers discounts including air bags, driver training, anti-lock brakes, membership and employees, five-year accident-free, emergency military deployment, and seat belt use.

It’s a good idea to ask all the companies which discounts can lower your rates. Savings might not apply in your area. To see providers that can offer you the previously mentioned discounts, follow this link.

Which policy gives me the best coverage?

When choosing coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you could use an agent’s help.

How can I get my company to pay me more for my totalled car?
When would I need additional glass coverage?
Is my dog or cat covered if injured in an accident?
What exactly is covered by my policy?
Does liability extend to a camper or trailer?
What is PIP insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages explained

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like prosthetic devices, nursing services and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays for damage to your Versa caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, scraping a guard rail, hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive auto insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, attorney fees, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Buy online or local, you save

Cost effective 2014 Nissan Versa insurance can be found from both online companies and from local insurance agents, and you need to price shop both to have the best selection. A few companies do not offer rates over the internet and these small insurance companies sell through independent agencies.

We just presented a lot of information how to lower your 2014 Nissan Versa insurance premium rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from a smaller regional carrier.

People leave their current company for a variety of reasons including high prices, an unsatisfactory settlement offer, denial of a claim or being labeled a high risk driver. Regardless of your reason, choosing a new insurance company can be easier than you think.