2017 Nissan Versa Note Insurance Rates – 6 Tips to Save

Looking for cheaper auto insurance rates for your Nissan Versa Note? Finding cheaper insurance for a Nissan Versa Note could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to find auto insurance online and we’ll show you the proper way to quote coverages for a Nissan and get the best price possible from both online companies and local agents.

Buy insurance coverage online

Comparing insurance coverage rates is a ton of work if you aren’t aware of the easiest way. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quoting to get prices fast.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and each company returns a rated price. This system prevents you from having to do form submissions for each company you want a rate for.

To compare pricing click here to start a free quote.

The only downside to doing it this way is you are unable to specify the insurers you want pricing from. If you wish to select individual companies to request quotes from, we put together a list of insurance coverage companies in your area. Click to view list.

How you compare quotes is your choice, just be sure you’re using the same quote information on every price quote you get. If you have different deductibles you will not be able to find the best deal for your Nissan Versa Note.

Insurance policy discounts you can’t miss

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that may help make it more affordable. Many discounts should be triggered when you complete an application, but once in a while a discount must be inquired about before they will apply.

  • No Accidents – Insureds who avoid accidents and claims can earn big discounts when compared to insureds who have frequent claims or accidents.
  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
  • Onboard Data Collection – Insureds that choose to allow data collection to look at driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
  • Passive Restraint Discount – Options like air bags could see savings of 25 to 30%.
  • Service Members Pay Less – Having a deployed family member may lower your rates slightly.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will lower your overall bill.

A list of insurance companies and a selection of discounts are outlined below.

  • Geico offers discounts including air bags, driver training, good student, membership and employees, and five-year accident-free.
  • Mercury Insurance has savings for anti-theft, multi-car, age of vehicle, accident-free, and good driver.
  • Farmers Insurance policyholders can earn discounts including distant student, alternative fuel, early shopping, teen driver, and pay in full.
  • Auto-Owners Insurance may offer discounts for student away at school, company car, anti-theft, air bags, and multi-policy.
  • Liberty Mutual offers premium reductions for new graduate, preferred payment discount, newly married, new vehicle discount, and good student.
  • SAFECO discounts include anti-theft, bundle discounts, teen safety rewards, anti-lock brakes, drive less, teen safe driver, and accident prevention training.
  • Progressive offers discounts for online signing, multi-vehicle, good student, homeowner, and multi-policy.
  • USAA may include discounts for military installation, vehicle storage, driver training, multi-policy, and safe driver.

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area. To find providers who offer cheap insurance quotes, click here to view.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my 2017 Nissan Versa Note covered for smoke damage?
  • Do I have newly-aquired coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is a fancy paint job covered?
  • Is my ex-spouse still covered by my policy?
  • Exactly who is provided coverage by my policy?
  • Does coverage extend to Mexico or Canada?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Drivers who switch save $457 a year? Really?

Consumers can’t ignore all the ads that promise big savings for switching by State Farm, Geico and Progressive. They all seem to seem to make the promise about savings if you move your insurance policy to them.

How does every insurance company have lower policy pricing? Just pay attention to how they say it.

Insurance companies have a certain “appetite” for the type of driver that will be a good risk. An example of a profitable customer might have to be a married female, is a homeowner, and has great credit. A driver that meets those criteria will get low car insurance rates as well as save a lot if they switch.

Drivers who do not meet this stringent profile will probably have to pay a higher premium and this can result in the customer buying from a different company. The ads say “drivers who switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote. Because each company has a different risk profile, you need to do a price quote comparison at every renewal. It’s just too difficult to predict which company will have the lowest premium rates for your situation.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2017 Nissan Versa Note.

Since a lot of drivers 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 is a good idea.

Liability car insurance

This will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, attorney fees, medical expenses, court costs and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Coverage for collisions

This pays for damage to your Versa Note from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, nursing services, surgery, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, not issuing a premium refund and delays in responding to claim requests. Regardless of your reason for switching companies, switching car insurance companies is less work than it seems.

We just showed you some good ideas how you can get a better price on 2017 Nissan Versa Note insurance. The key thing to remember is the more quotes you get, the better likelihood of getting cheaper car insurance. Consumers may even find the lowest prices are with the smaller companies.

For more information, take a look at the following helpful articles: