Compare 2017 Nissan Versa Insurance Quotes

Locating better insurance prices for your Nissan Versa can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Nissan and find the best price possible from local insurance agents and online providers.

You need to price shop coverage yearly because car insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Versa coverage at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to teach you the best way to remove unneeded coverages and save money.

How to compare car insurance rate quotes

Finding a better price on car insurance is not a difficult process. All that’s required is to invest a few minutes to compare rate quotes from online providers. Shoppers can get rates by using one of the methods below.

  1. If you’re in a hurry, the quickest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for every company. Completing one form will get you rate comparisons from many national carriers. This is by far the quickest method.
  2. A harder way to find more affordable insurance is going to the website for each individual company and request a quote. For example, let’s assume you want to see prices from Auto-Owners, Esurance and Geico. You would have to go to every website and enter your policy data, which can get rather old. For a list of companies in your area, click here.
  3. The least efficient and most time consuming way to find lower rates is going to insurance agencies in your area. Comparing rates online can eliminate the need for a local agent unless you’re the type of person who wants the peace of mind that you can only get from talking to an agent. Drivers can obtain prices from the web but have a local agent actually write the policy.

The approach you take is up to you, just make sure you use nearly identical coverage limits and deductibles for every quote you compare. If you use different limits and deductibles on each one you will not be able to determine which company has the best rates.

Four things that influence your insurance rates

Smart consumers have a good feel for some of the elements that aid in calculating your policy premiums. When you understand what impacts premium levels, this enables informed choices that can earn you lower premium levels.

The following are a partial list of the pieces used by your company to calculate your prices.

  • Premiums are lower the older you get – Youthful drivers are known to get distracted easily when driving with friends so insurance coverage rates are higher. Adding a beginning driver to your policy can really hurt. Older drivers are shown to be more cautious, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • High coverage deductibles equal low rates – Your deductibles define how much you are required to spend before your insurance coverage pays a claim. Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims could be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more the insured is willing to pay, the less your insurance coverage will be on Versa coverage.
  • Vocation stress can make you pay more – Did you know your insurance coverage rates can be affected by your occupation? Careers such as doctorspolice officers and dentists generally pay the highest rates because of job stress and extremely grueling work hours. On the flip side, occupations such as scientists, athletes and retirees have lower than average premiums on Versa coverage.
  • Car and home together may be cheaper – Lots of insurance coverage companies apply a discount to customers that have more than one policy in the form of a multi-policy discount. Discounts can be 10 percent or more. Even if you qualify for this discount already, consumers should still compare other insurance prices to confirm you are receiving the best rates possible.

Are you receiving every discount?

Auto insurance is easily one of your largest bills, but there could be significant discounts that could help you make your next renewal payment. Most are applied when you purchase, but some may not be applied and must be specifically requested before you get the savings. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote car insurance on Versa coverage but check with your company.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Military Rewards – Having a deployed family member could be rewarded with lower premium rates.
  • Discounts for Responsible Drivers – Accident-free drivers can get discounts for up to 45% lower rates on Versa coverage compared to rates paid by drivers with frequent claims.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Membership in Organizations – Being in qualifying employment or professional organizations may earn a discount when getting a car insurance quote.
  • E-sign Discounts – A few larger online companies give back up to $50 for signing up on their website.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it’s just not the way it works. Any qualifying discounts will help reduce the amount you pay for coverage.

Popular auto insurance companies and the discounts they provide are shown below.

  • American Family discounts include good student, bundled insurance, good driver, accident-free, TimeAway discount, multi-vehicle, and air bags.
  • State Farm has discounts for Steer Clear safe driver discount, safe vehicle, defensive driving training, student away at school, anti-theft, good student, and passive restraint.
  • 21st Century may have discounts that include 55 and older, anti-lock brakes, automatic seat belts, theft prevention, air bags, driver training, and defensive driver.
  • Travelers policyholders can earn discounts including payment discounts, multi-policy, new car, IntelliDrive, good student, continuous insurance, and multi-car.
  • Geico may include discounts for multi-policy, good student, air bags, daytime running lights, and emergency military deployment.

If you need affordable car insurance quotes, ask all the companies the best way to save money. Some discounts listed above might not be available to policyholders in your state.

When in doubt talk to an agent

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit a deer?
  • Is my 2017 Nissan Versa covered for smoke damage?
  • Is business property covered if stolen from my car?
  • Does coverage extend to Mexico or Canada?
  • I have a DUI can I still get coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

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

Collision insurance covers things like colliding with a tree, scraping a guard rail, hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability – This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like emergency aid, repair costs for stationary objects, legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2017 Nissan Versa.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses like dental work, rehabilitation expenses, X-ray expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle, theft and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In any little way, save everyday

Budget-conscious 2017 Nissan Versa insurance is available from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and usually these regional insurance providers only sell coverage through independent insurance agents.

Throughout this article, we presented some good ideas how to save on 2017 Nissan Versa insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest prices come from the least-expected company.

When getting car insurance quotes online, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured dropped full coverage and found out when filing a claim they didn’t have enough coverage. The goal is to buy the best coverage you can find for the lowest cost.

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