Lower Your 2017 Nissan Versa Insurance Cost

Purchasing low-cost car insurance might appear intimidating for vehicle owners that are relatively new to online price comparisons. With more and more companies, how are we expected to have time to compare every possible option in order to find the cheapest price possible?

Consumers need to price shop coverage on a regular basis because car insurance prices are constantly changing. If you had the best rate on Versa insurance six months ago a different company probably has better premium rates today. There are a lot of ways to save on car insurance on the internet, but you can learn the best ways to lower your car insurance premiums.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these methods. But car owners do need to learn the methods companies use to market on the web and use this information to your advantage.

Car insurance policy discounts you can’t miss

Car insurance companies don’t always advertise all disounts very well, so the next list breaks down some of the more common and the more hidden discounts that you can inquire about if you buy insurance online.

Air Bags and Passive Restraints – Options like air bags may qualify for discounts of 20% or more.
First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before hitting you with a surcharge if you have no claims for a specific time period.
Switch and Save Discount – A few car insurance companies allow discounts for signing up before your current coverage expires. It can save you around 10%.
Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Savings for New Vehicles – Buying a new car instead of a used car can save you some money due to better safety requirements for new model year vehicles.
Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
Mature Driver Discount – Mature drivers may receive a discount up to 10% on Versa insurance.
Drive Less and Save – Low annual miles can earn discounted car insurancerates on garaged vehicles.
Government Employees – Active or retired federal employment could cut as much as 10% off on Versa insurance depending on your car insurance provider.
Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.

Consumers should know that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you could get a free car insurance policy, companies wouldn’t make money that way.

A few companies that may have some of the discounts shown above include:

Before buying, ask every insurance company which discounts they offer. Discounts might not be offered on policies everywhere. For a list of insurers that offer many of these discounts, click here to view.

Compare quotes for auto insurance

There are a variety of methods to shop for auto insurance, but some are more efficient than others. You can waste a lot of time talking to insurance companies in your area, or you can utilize the internet to get prices fast.

Many popular insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each company returns a competitive quote for coverage. This eliminates the need for quotation requests to each individual auto insurance company.

To find out what other companies charge click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies to get quotes from. So if you prefer to choose individual companies to compare prices, we have a page of low cost auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use the same quote information for every company. If the quotes have different liability limits you can’t possibly determine the best price for your Nissan Versa. Just slight variations in limits could throw off the whole comparison. It’s important to know that comparing more company’s prices will enable you to find the best offered rates. Not every company does quotes online, so you need to compare quotes from them, too.

Nissan Versa insurance costs can be reduced

It’s important that you understand some of the things that go into determining the level of your policy premiums. If you know what determines base rates, this allows you to make good choices that could result in cheaper rates. Multiple criteria are used in the calculation when quoting car insurance. Some are obvious like a motor vehicle report, but other factors are not as apparent such as your credit history or your vehicle rating.

The itemized list below are some of the major factors used by insurance companies to determine premiums.

What’s your car’s safety rating? – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If the Nissan Versa has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Tickets can be expensive – Careful drivers pay lower auto insurance prices compared to bad drivers. Having a single speeding ticket can bump up the cost substantially. People who have serious violations such as DUI or willful reckless driving might be required by their state to prove financial responsibility with the DMV in their state in order to legally drive.
See if your company offers a multi-policy discount – The majority of insurance companies apply a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more Even though this discount sounds good, it’s in your best interest to compare rates to confirm you are receiving the best rates possible. Drivers may still find lower rates even if you insure with multiple companies
Increase physical damage deductibles and save – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. Examples of covered claims would be colliding with a building, flood damage, and damage from a fallen tree branch. The deductibles are how much you are willing to pay if a claim is determined to be covered. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on Versa insurance.

Insurance agents can help

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

For example, these questions might point out whether you will benefit from professional help.

Am I covered if I hit my neighbor’s mailbox?
What companies insure drivers after a DUI or DWI?
Do I need PIP coverage since I have good health insurance?
Why does it cost so much to insure a teen driver?
What is the difference between comprehensive and collision coverage?
What discounts do I qualify for?
Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

Well known brands might not be cheapest

Insurance providers like State Farm, Allstate and Geico consistently run ads on television and other media. All the companies make the point that people will save if you switch your policy. How does each company make the same claim? Here is how they do it.

Different companies quote their best rates for the type of driver that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, has other policies, and does not commute to work. Anyone who meets those qualifications gets the lowest rates and will also save some money.

Potential customers who are not a match for these stringent criteria will have to pay higher premium rates and business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently state the savings. Each company has different criteria, so drivers should compare as many free insurance quotes as you can. You cannot predict which company will have the best premium rates.

Auto insurance coverage information

Learning about specific coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as 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. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – This will cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for 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 policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage provide coverage for bills like EMT expenses, funeral costs, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, falling objects, theft and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Don’t break the bank

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In many cases, drivers have reduced collision coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, policy non-renewal and not issuing a premium refund. Regardless of your reason, switching car insurance companies is not as difficult as it may seem.

We covered a lot of tips how to reduce 2017 Nissan Versa insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from the smaller companies.