2014 Nissan Versa Car Insurance Quotes – 5 Ways to Save

Sick and tired of not being able to afford to buy car insurance? You are in the same boat as many other drivers. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to get the best price available.

Consumers should take time to get comparison quotes periodically since rates are variable and change quite frequently. Just because you had the lowest rates on Versa coverage a couple years back you can probably find a better price now. Starting right now, forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to reduce your cost while increasing coverage.

If you have insurance now or need new coverage, you can use these tips to find better prices while maximizing coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to know the best way to shop for auto insurance over the internet.

Best discounts on 2014 Nissan Versa coverage

Car insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but a few must be requested specifically before being credited. If you’re not getting every credit possible, you are paying more than you should be.

  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Versa coverage than drivers with accidents.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Drive Less and Save – Keeping the miles down on your Nissan could be rewarded with discounted rates on garaged vehicles.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.

Drivers should understand that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But any discount will cut the amount you have to pay.

For a list of providers with discount insurance rates, click here to view.

The quickest method to get policy rate comparisons is to take advantage of the fact most insurance companies allow for online access to give free rates quotes. The only thing you need to do is provide details including if a SR-22 is required, driver ages, if the vehicle is leased, and your education level. Your information is automatically sent to insurance carriers in your area and they return rate quotes within a short period of time.

To find lower rates now, click here and enter the information requested.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Is other people’s property covered if stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving a rental car?
  • Am I covered if I hit a deer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • What is an SR-22 filing?
  • Should I bundle my homeowners policy with my auto?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Having a good grasp of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types offered by car insurance companies.

Liability coverages – Liability insurance will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like funeral expenses, attorney fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for chiropractic care, pain medications, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

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

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, falling objects, fire damage and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

A penny saved is a penny earned

Budget-conscious 2014 Nissan Versa insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

We covered some good ideas how you can compare insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small local company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.

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