2013 Nissan Versa Insurance Rates

Searching for cheaper insurance coverage rates for your Nissan Versa? Finding the best price on insurance coverage is challenging if you have never used online rate quotes. But don’t be discouraged because we’re going to show you how.

It’s a great practice to compare prices quite often since rates go up and down regularly. Just because you had the lowest rates for Versa coverage a couple years back you can probably find a better price now. So forget all the misinformation about insurance coverage because you’re going to get a crash course in one of the quickest ways to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Shopping for the cheapest coverage is quite easy. Although vehicle owners benefit from understanding the way insurance companies market insurance on the web and use this information to your advantage.

How to Get Insurance Comparison Quotes

Effectively comparing insurance prices can be a daunting task if you don’t know the best way to get rate quotes. You can waste hours discussing policy coverages with insurance agencies in your area, or you can utilize the web to get prices fast.

Many of the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company can give them a price. This saves time by eliminating form submissions to each individual insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to pricing coverage this way is you don’t know exactly which providers to get quotes from. So if you prefer to pick individual companies to compare, we put together a list of low cost insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage information for each comparison quote. If you use higher or lower deductibles you will not be able to determine the lowest rate for your Nissan Versa. Quoting even small variations in insurance coverages could mean much higher rates. And when quoting insurance, remember that comparing a large number of companies will improve the odds of getting better pricing.

You probably qualify for some discounts

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so here is a list some of the best known and also the lesser-known discounts you could be receiving.

  • 55 and Retired – Older drivers may receive a discount up to 10% for Versa coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • No Accidents – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Distant Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, companies don’t profit that way.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts may not be available in every state.

There’s no such thing as the perfect policy

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might point out whether you might need professional guidance.

  • Am I better off with higher deductibles on my 2013 Nissan Versa?
  • Is upholstery damage covered by car insurance?
  • What if I owe more than I can insure my car for?
  • What is roadside assistance coverage?
  • Will my insurance pay for OEM parts?
  • What is the ISO rating for a 2013 Nissan Versa?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Nissan Versa insurance rates consist of many parts

Consumers need to have an understanding of the different types of things that help determine the rates you pay for insurance coverage. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Consolidate policies to earn discounts – The majority of insurance coverage companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to verify if the discount is saving money.
  • Low deductibles can be expensive – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Nissan. Examples of covered claims are colliding with a building, damage caused by hail, or theft. The deductibles are how much you are required to spend in the event of a claim. The more money you’re willing to pay, the lower your rates will be for Versa coverage.
  • Mature drivers pay less – Older drivers are more responsible, tend to file fewer claims and receive fewer citations. Teen drivers have a tendency to be careless and easily distracted behind the wheel and because of this, their insurance coverage rates are much higher.
  • Poor credit can mean higher rates – Having a bad credit history is a large factor in your rate calculation. Therefore, if your credit rating is not that good, you could pay less to insure your 2013 Nissan Versa by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a fast way to increase your insurance coverage rates. And not only will your rates increase, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Poor driving leads to higher costs – Even one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. If you have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.

Do drivers who switch really save?

Car insurance companies such as State Farm, Allstate and GEICO continually stream ads in print and on television. They all seem to say the same thing of big savings after switching to their company. How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk might be between the ages of 30 and 50, has no prior claims, and has great credit. A customer who fits that profile will get the preferred rates and therefore will save when they switch companies.

Potential insureds who don’t meet the “perfect” profile must pay higher rates and ends up with the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s why companies can advertise the way they do. This illustrates why it is so important to get as many comparisons as possible. It’s not possible to predict which car insurance company will give you the biggest savings on Nissan Versa insurance.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like pain and suffering, bail bonds, attorney fees and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they 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 only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, rock chips in glass, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like EMT expenses, dental work, hospital visits and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage – This coverage will pay to fix damage to your Versa resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, scraping a guard rail, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

One last thing about your coverage

Drivers leave their current company for any number of reasons including poor customer service, extreme rates for teen drivers, unfair underwriting practices or even high prices. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured cut physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of tips how to reduce 2013 Nissan Versa insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a lesser-known regional company.

More detailed insurance information can be found by following these links: