View 2018 Nissan Versa Insurance Quotes

Nobody that owns a car gets a kick out of paying for auto insurance, especially when they could find lower prices if they just compared rates. You have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, lots of choices makes it harder to find the best rates.

Buying car insurance is quite easy. If you have car insurance now, you will be able to save some money using this information. Drivers just need to understand the most effective way to compare rates on the web.

Affordable insurance coverage price quotes online

Getting a cheaper price on 2018 Nissan Versa insurance is surprisingly easy. The only thing you need to do is spend a few minutes on the computer comparing rates to find the company with low cost insurance coverage quotes. You can get a good selection of rate quotes in a couple of different ways.

  1. If you don’t have a lot of time, the easiest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating multiple quote forms for each price estimate. Completing one form will return quotes from all major companies.
  2. Another way to find more affordable insurance is to take the time to go to each company’s website and repeat the quote process again and again. For example, we’ll assume you need rates from Farmers, Geico and Liberty Mutual. You would have to go to each individual site and repeatedly type in your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but try to keep exactly the same coverage information with each company. If the quotes have different liability limits it will be impossible to determine which rate is truly the best.

Discounts for lower-cost insurance quotes

Car insurance companies don’t necessarily list every available discount in a way that’s easy to find, so the list below gives a summary of both the well known and also the more inconspicuous insurance savings. If you do not double check each discount you deserve, you could be paying more than you need to.

  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • Driver Training Discounts – Taking part in a class that teaches driver safety techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Drive Safe and Save – Safe drivers could pay up to 40% less for Versa coverage than their less cautious counterparts.
  • Federal Employees – Having worked for a branch of the government can save as much as 8% for Versa coverage with certain companies.
  • Save with a New Car – Insuring a new car is cheaper because new model year vehicles are generally safer.
  • Multiple Cars – Drivers who insure multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
  • Sign Early and Save – Select larger companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • E-sign Discounts</strong – A handful of insurance companies will give a small break get insurance coverage on the internet.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.

Insurance companies who might offer these benefits include:

Before purchasing a policy, check with each company or agent which discounts you qualify for. Savings may not apply to policies in your area.

You may need specialized insurance coverage

When choosing adequate coverage, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Am I missing any policy discounts?
  • What if I total my 2018 Nissan Versa and owe more than it’s worth?
  • Do I need replacement cost coverage?
  • Is motorclub coverage worth it?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my camper covered by my car insurance policy?
  • Do I need roadside assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance specifics

Understanding the coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for chiropractic care, nursing services and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Nissan Versa.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds, court costs, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

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

Comprehensive coverage protects against things like rock chips in glass, hitting a bird and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your Versa caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.