Compare 2018 Nissan Versa Insurance Cost

Overpriced auto insurance can deplete your budget and make it hard to pay other bills. Comparing rate quotes is a fast and free way to tighten up your finances.

With consumers having so many choices of insurance companies, it’s difficult to pick a more affordable company.

You should make it a habit to compare prices every six months since insurance rates are adjusted regularly by insurance companies. Even if you got the best deal for Versa insurance six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the easiest way to buy cheaper auto insurance.

Get cheap insurance rates by understanding these factors

It’s important that you understand the different types of things that help calculate your insurance rates. When you understand what determines base rates, this helps enable you to make changes that could result in big savings.

  • Keep prices low by being claim-free – Car insurance companies provide the best rates to insureds who do not file claims often. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Rates may be lower depending on your employer – Did you know your insurance rates can be affected by your occupation? Occupations like real estate brokers, business owners and miners are shown to have higher premium rates because of intense work situations and long work hours. On the other hand, jobs like scientists, engineers and the unemployed generally pay rates lower than average for Versa insurance.
  • Only buy what you need – There are a ton of additional coverages that can waste your money if you aren’t diligent. Coverage for things like coverage for rental cars, towing, and motor club memberships are examples of these. They may seem good at first, but if you have no use for them consider taking them off your policy.
  • Women tend to take less risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. Men and women are responsible for at-fault accidents in similar percentages, but the men get into accidents with more damage. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI). Male drivers age 16 to 19 generally have the highest accident percentage so it costs more to insure them.
  • Better rates on cars with good safety ratings – Cars with five star safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and reduced instances of injuries means less claims paid passed on to you as lower rates.

Take policy discounts and save

Auto insurance is easily one of your largest bills, but you may be missing some discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but once in a while a discount must be requested specifically prior to receiving the credit.

  • Low Mileage Discounts – Keeping the miles down on your Nissan could earn lower auto insurancerates due to less chance of an accident.
  • Defensive Driver Discount – Participating in a safe driver class is a good idea and can lower rates and also improve your driving technique.
  • Military Rewards – Having a deployed family member could mean lower auto insurance rates.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance with the same insurance company you could save nearly 15% which can help you find affordable car insurance.
  • Distant Student – who are attending college and don’t have a car can receive lower rates.
  • Early Signing – Some companies provide a discount for switching policies prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
  • Savings for New Vehicles – Insuring a new car can save you some money because new model year vehicles have to meet stringent safety requirements.
  • Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote for Versa insurance compared to rates paid by drivers with frequent claims.

Don’t be surprised that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will positively reduce the cost of coverage.

A few popular companies and some of the discounts can be read below.

  • Geico has discounts for seat belt use, anti-lock brakes, federal employee, military active duty, five-year accident-free, defensive driver, and anti-theft.
  • USAA may offer discounts for defensive driver, annual mileage, loyalty savings, family discount, and new vehicle.
  • Progressive may include discounts for multi-policy, multi-vehicle, continuous coverage, homeowner, good student, and online signing.
  • American Family offers discounts including bundled insurance, air bags, early bird, defensive driver, and multi-vehicle.
  • Esurance offers discounts for Switch & Save, multi-policy, anti-lock brakes, claim free, and defensive driver.
  • Farmers Insurance has savings for electronic funds transfer, teen driver, good student, alternative fuel, and distant student.
  • State Farm discounts include passive restraint, good driver, defensive driving training, student away at school, and accident-free.

If you need lower rates, check with each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your area. To see a list of insurance companies who offer online auto insurance quotes, click this link.

Insurance savings promises

Insurance companies such as State Farm and Allstate continually stream ads in print and on television. They all make the same claim that you can save just by moving your coverage. How does every insurance company offer you a better deal? This is how they do it.

Companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer could be a mature driver, carries full coverage, and the vehicle is rated for pleasure use. Anyone who matches those parameters receives the best premium rates and will cut their rates if they switch.

Potential customers who do not match these criteria may be forced to pay higher rates and the customer not buying. The ads say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully advertise the savings. This really illustrates why you absolutely need to compare rate quotes every year. It’s just too difficult to predict with any certainty which company will fit your personal profile best.

Which policy gives me the best coverage?

When buying adequate coverage, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage if my license is suspended?
  • How much liability do I need to cover my assets?
  • Can I rent a car in Mexico?
  • When would I need rental car insurance?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Versa resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch, hitting a mailbox, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, falling objects, hitting a bird, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses like doctor visits, rehabilitation expenses and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Don’t be a big spender

In this article, we presented many ways to save on 2018 Nissan Versa insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the lowest priced insurance comes from a small local company. These companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm or Progressive.

Cheaper 2018 Nissan Versa insurance can be found on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not have rates over the internet and most of the time these small, regional companies sell through independent insurance agents.

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