Nissan Versa Drivers Receive the Cheapest Car Insurance Rates

Consumers have lots of choices when looking for the lowest priced Nissan Versa insurance. You can either spend your time driving around to compare prices or save time using the internet to compare rates.

There are both good and bad ways to shop for car insurance so you’re going to learn the absolute fastest way to price shop coverage on a Nissan and locate the lowest possible price either online or from local insurance agents.

Free Car Insurance Quotes

There are a variety of methods to compare car insurance prices but one way is less time-consuming than others. You can waste a lot of time talking to agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Many companies belong to a marketplace that enables customers to enter their coverage request one time, and each participating company then returns a price quote. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to doing it this way is you don’t know exactly which companies you want to price. If you prefer to choose specific insurance companies to request quotes from, we put together a list of car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage information with every price quote. If you enter mixed coverages it will be very difficult to make an equal comparison.

How much can you save with discounts?

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but less common discounts must be specially asked for prior to receiving the credit. If you don’t get every credit available, you’re paying more than you need to.

• Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Versa coverage with a few car insurance companies.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
• 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Versa coverage.
• Life Insurance – Some companies give a break if you buy life insurance from them.
• Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
• Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.

It’s important to note that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, companies don’t profit that way. But any discount will reduce the cost of coverage.

To see a list of companies with the best car insurance discounts, click here.

How much car insurance do I need?

When it comes to choosing the best car insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions might help in determining whether you would benefit from professional advice.

• Is my teen driver covered when they drive my company car?
• Will I lose any money if I cancel my policy before it expires?
• Is my business laptop covered if it gets stolen from my vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Does my policy pay for OEM or aftermarket parts?
• Am I covered if I wreck a rental car?
• Does my personal policy cover me when driving my company car?
• Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Nissan Versa rate determination is complex

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces that factor into premiums.

• Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
• Don’t get talked into coverage you don’t need – There are a ton of additional coverages you can purchase on your car insurance policy. Coverages like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
• Older drivers save more – Teenage drivers are known to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older insureds are more cautious drivers, file fewer claims and are safer drivers.
• Drive less and save money – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is rated on the correct driver usage, because it can save money. Incorrect usage on your Versa may be wasting your money.
• Don’t sacrifice liability coverage – Liability insurance provides coverage when a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
• How credit affects car insurance rates – Having a bad credit score is a important factor in calculating your car insurance rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit history is low, you could pay less to insure your Nissan Versa by spending a little time repairing your credit.

Can switching companies really save?

Drivers get pounded daily by advertisements for cheaper car insurance by State Farm, GEICO and Progressive. They all have a common claim about savings after switching to their company.

How do they all say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save when switching.

Potential insureds who fall outside the requirements must pay a higher premium which usually ends up with the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings.

This illustrates why drivers must quote coverage with many companies. Because you never know the company that will have the lowest rates.

Summing up your car insurance search

We’ve covered a lot of techniques to get a better price on Nissan Versa insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a lesser-known regional company.

Insureds leave their current company for many reasons like denial of a claim, questionable increases in premium, policy non-renewal or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company can be less work than you think.

Cheap Nissan Versa insurance is possible both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.