Compare 2007 Nissan Versa Car Insurance Rates

No normal person likes paying for auto insurance, especially when the cost is too high.

Consumers have multiple auto insurance companies to buy insurance from, and although it’s a good thing to be able to choose, more options can take longer to compare rates and cut insurance costs.

You should take the time to do rate comparisons as often as possible because rates fluctuate regularly. Despite the fact that you may have had the best rate on Versa insurance a few years ago there may be better deals available now. There is lot of inaccurate information about auto insurance on the internet, but by reading this article, you’re going to learn the best ways to lower your auto insurance premiums.

How much does insurance coverage cost?

Effectively comparing insurance coverage prices can take hours if you don’t understand the best way to get rate quotes. You could waste time talking about coverages with insurance agencies in your area, or you could use online quotes to get prices fast.

Many companies enroll in a system where insurance shoppers complete one form, and at least one company can provide price quotes determined by their information. This eliminates the need for repetitive form submissions to every company. To submit your quote information now, click here to start a free quote.

The single downside to using this type of system is you cannot specify the providers to receive prices from. If you prefer to choose specific providers to receive pricing from, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use exactly the same quote data on every quote. If you have mixed coverages it will be impossible to decipher which rate is best. Quoting even small variations in insurance coverages may cause a big price difference. Keep in mind that comparing a wide range of rates helps improve the odds of finding more affordable insurance.

Insurance coverage policy discounts

Companies don’t always publicize every disount available in a way that’s easy to find, so the list below contains both well-publicized in addition to some of the lesser obvious credits that may apply to you.

• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of 25 to 30%.
• No Claim Discounts – Drivers who don’t have accidents get the best insurance coverage rates in comparison with bad drivers.
• Bundle and Save – If you can bundle your auto and home insurance and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
• Early Signing – Some larger companies reward drivers for renewing your policy prior to the expiration date on your current policy. You can save around 10% with this discount.
• Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Save with a New Car – Buying a new car instead of a used car can be considerably cheaper since newer models are generally safer.
• One Accident Forgiven – Not really a discount, but a few companies such as Progressive and Allstate permit an accident before your rates go up if you have no claims for a set time period.
• Paperless Signup – Certain insurance coverage companies will give a small break for buying a policy and signing up on the web.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will lower your policy premiums.

Companies that have some of the discounts shown above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

It’s a good idea to ask each company or agent to apply every possible discount. All car insurance discounts may not apply to policies in your state. To view insurance coverage companies that offer the discounts shown above, click here.

How do I know if I need professional advice?

When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine whether or not you might need professional guidance.

• Where can I get insurance after a DUI in my state?
• Is there coverage for injuries to my pets?
• Is my cargo covered for damage or theft?
• What if I don’t agree with a claim settlement offer?
• Should I buy full coverage?
• What is high-risk coverage and where do I buy it?
• Are my friends covered when driving my 2007 Nissan Versa?
• Which companies will insure high-risk drivers?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Eight factors that affect insurance rates

Lots of factors are used when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are more obscure such as whether you are married or how safe your car is.Smart consumers have a good feel for the factors that play a part in calculating the level of your policy premiums. If you know what influences your rates, this helps enable you to make changes that may result in lower insurance coverage prices.

Listed below are a few of the things insurance coverage companies consider when setting your prices.

• How much liability – A critical coverage on your policy, liability insurance kicks in when you are determined to be liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. It is affordable coverage as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Incidental coverages can cost a lot – Insurance companies have many additional extra coverages that you can get tricked into buying if you aren’t diligent. Things like vanishing deductibles, towing, and membership fees are probably not needed. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
• Safer vehicles lower prices – Cars with five star safety ratings get lower rates. These vehicles protect occupants better and lower injury rates translates directly to fewer claims and thus lower rates.
• Your address can affect price – Having an address in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft. People who live in big cities have more traffic problems and a longer drive to work. Longer commute distances means more chances of being involved in an auto accident.
• Cheaper premiums for prior coverage – Not maintaining insurance is against the law and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, failure to provide proof of insurance could result in a steep fine or even jail time.
• You might want pay the minor insurance claims yourself – If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Auto insurance companies award the lowest premiums to drivers who do not file claims often. Your car insurance is intended to be relied upon for more catestrophic claims.
• Teen drivers pay higher premiums – Mature drivers are more responsible, cost insurance companies less in claims and get fewer tickets.Young drivers tend to get distracted easily when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.
• Males pay more for car insurance – The statistics show that women are safer drivers than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men cause at-fault accidents at a similar rate, but the male of the species tend to have higher claims. Men also statistically receive more major tickets like reckless driving and DUI.

Information about specific coverages

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Comprehensive coverage

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

Comprehensive coverage pays for claims like damage from getting keyed, damage from a tornado or hurricane, a broken windshield, hitting a bird and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability

This can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for 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 values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for funeral costs, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Power to the consumer

Lower-priced insurance coverage can be purchased both online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide internet price quotes and many times these small, regional companies sell through independent agents.

We just presented a lot of tips how to get a better price on 2007 Nissan Versa insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost insurance. You may even discover the lowest priced insurance coverage comes from an unexpected company. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as Geico and State Farm.

When buying insurance coverage, never reduce coverage to reduce premium. Too many times, someone dropped full coverage to discover at claim time they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

For more information, feel free to visit these articles:

• Think You’re a Safe Driver? (State Farm)
• Who Has Affordable Car Insurance for a Nissan Versa in Oakland? (OaklandInsure.com)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Versa in Tulsa? (TulsaCoverage.com)
• What Car Insurance is Cheapest for a Nissan Versa in San Antonio? (SACoverage.com)
• Vehicle Insurance in the U.S. (Wikipedia)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)