2011 Nissan Versa Insurance Quotes

Searching for better insurance rates? Consumers have options when looking for the lowest priced Nissan Versa insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There is a better way to shop for insurance so you’re going to learn the best way to get price quotes for your Nissan and get the cheapest rates from local insurance agents and online providers.

It is always a good idea to check insurance prices occasionally since insurance rates tend to go up over time. Despite the fact that you may have had the lowest price for Versa insurance last year there is a good chance you can find better rates now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.

How to Get Car Insurance Comparison Quotes

Getting better 2011 Nissan Versa car insurance pricing is not rocket science. You just have to take time comparing rate quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  • The best way to get quotes is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate quotes for each company you want a rate for. Completing one form will get you price quotes from multiple companies. This is by far the quickest method.
  • A less efficient way to find lower rates requires visiting the website of each company and complete a new quote form. For example, let’s say you want rates from Liberty Mutual, Farmers and Allstate. To get each rate you have to go to every website and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare identical coverages and limits on every quote you get. If you use different values for each quote then you won’t be able to determine the lowest rate for your Nissan Versa.

Situations that might require an agent

When choosing coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Is my dog or cat covered if injured in an accident?
  • Should I get collision insurance on every vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I have combined single limit or split liability limits?
  • I have a DUI can I still get coverage?
  • How do I insure my teen driver?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for liability – This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Nissan Versa.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for ambulance fees, doctor visits, chiropractic care, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

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

Comprehensive coverage pays for claims like falling objects, damage from flooding, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This coverage covers damage to your Versa resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.