View 2016 Nissan Versa Note Car Insurance Cost

Consumers who just recently started comparing prices online could find buying low cost insurance coverage is harder than they anticipated.

How to get insurance quotes

The are a couple different ways of comparing rate quotes from local insurance companies. The fastest way to find competitive Nissan Versa Note insurance rates is to perform an online rate comparison. This can be done in several different ways.

  1. Hands down the most simple method consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do a different quote for each price estimate. Taking the time to complete one form will get you rate comparisons from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to find lower rates requires you to visit each individual company website and repeat the quote process again and again. For instance, we’ll pretend you want to get rates from Progressive, Allstate and American Family. To get rate quotes you would need to go to each individual site to input your insurance information, which is why the first method is more popular.

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

Whichever way you use, make darn sure you compare apples-to-apples coverage data on every quote. If you have different data it will be nearly impossible to determine the lowest rate for your Nissan Versa Note. Just a small difference in coverages could skew the results. And when price shopping your coverage, making a lot of price comparisons increases the change that you will find a better price. Not every company allows you to get online quotes, so it’s important to compare rates from them as well.

Earn discounts on insurance

Insuring your fleet can be pricey, but there could be significant discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of purchase, but some may not be applied and must be asked for before you will receive the discount.

  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
  • Full Payment Discount – By paying your policy upfront rather than spreading payments over time you could save 5% or more.
  • Federal Government Employee – Active or former government employment can earn a discount up to 10% for Versa Note insurance depending on your company.
  • Active Service Discounts – Being deployed in the military could qualify you for better rates.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn slightly better prices than normal.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
  • Homeowners Discount – Owning a home may trigger a policy discount on insurance because maintaining a house shows financial diligence.
  • Discounts for Multiple Vehicles – Having all your vehicles with the same company can get a discount on all vehicles.
  • One Accident Forgiven – Not really a discount, but companies like Allstate, State Farm and Geico will forgive one accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.

A quick disclaimer, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

Insurance companies that may offer policyholders most of the discounts above possibly include:

Before you buy a policy, ask each company or agent how many discounts you can get. Some discounts listed above may not apply in your area. If you would like to choose from a list of insurance companies who offer insurance discounts, click this link.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Is extra glass coverage worth it?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • At what point should I drop full coverage?
  • Does my 2016 Nissan Versa Note qualify for pleasure use?
  • How high should deductibles be on a 2016 Nissan Versa Note?
  • Can my babysitter drive my car?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

The coverage is in the details

Learning about specific coverages of a insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, nursing services, surgery and chiropractic care. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Nissan Versa Note.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

Collision insurance covers damage to your Versa Note caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, driving through your garage door and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance 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 claims such as a tree branch falling on your vehicle, hail damage, rock chips in glass, vandalism and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as attorney fees, funeral expenses, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Don’t throw your cash in the trash

Budget-conscious 2016 Nissan Versa Note insurance can be purchased on the web as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not provide online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agents.

Throughout this article, we presented some good ideas how to save on 2016 Nissan Versa Note insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many instances, an accident victim reduced liability coverage limits and learned later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at a price you can afford.

Additional insurance information is located at the links below