Lower Your 2015 Nissan Versa Insurance Rates

Nobody looks forward to buying insurance, especially knowing they are paying too much. You have multiple car insurance companies to choose from, and even though it’s nice to be able to choose, lots of choices makes it harder to find the best rates.

It’s smart to compare rates once or twice a year because insurance prices change regularly. Despite the fact that you may have had the best deal on Versa insurance a few years ago a different company probably has better premium rates today. There is too much inaccurate information about insurance on the web, but you can learn some of the best ways to find affordable insurance.

Low cost insurance coverage prices

Lowering your 2015 Nissan Versa insurance coverage rates is an easy way to save money. The only requirement is to take a couple of minutes to compare rate quotes to find the company with cheap car insurance quotes. Rate comparisons can be done by following the guidelines below.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms for each company you want a rate for. Completing one form gets rate comparisons from many national carriers.

A more time consuming way to get quotes online requires a trip to each individual company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Nationwide, Progressive and State Farm. You would have to spend time going to each site individually and repeatedly enter your information, which can be really labor intensive.

For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, make absolute certain that you use nearly identical quote data on every quote you get. If you enter higher or lower deductibles it will be next to impossible to decipher which rate is best.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

Is other people’s property covered if stolen from my vehicle?
How can I find cheaper teen driver insurance?
Are all vehicle passengers covered by medical payments coverage?
Can I rent a car in Mexico?
Should I rate my 2015 Nissan Versa as pleasure use or commute?
Is my trailer covered?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Car insurance coverages for a 2015 Nissan Versa

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, vandalism and rock chips in glass. 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 removing comprehensive coverage.

Liability auto insurance

This can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses, funeral expenses and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability 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, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

This coverage pays to fix your vehicle from damage 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 like damaging your car on a curb, crashing into a building, backing into a parked car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as funeral costs, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay