Save on 2011 Nissan Versa Insurance Rates

Looking for lower insurance coverage rates for your Nissan Versa? Are you regretting buying an underperforming, overpriced insurance coverage policy? Trust us, there are many drivers thinking the same thing. Drivers have so many insurers to choose from, and although it’s a good thing to have multiple companies, so many choices can make it hard to locate the cheapest rates.

Cheap car insurance quotes with discounts

Some companies don’t necessarily list all available discounts in an easy-to-find place, so the list below details a few of the more common and also the more inconspicuous car insurance savings.

  • Air Bag Discount – Factory options such as air bags or automatic seat belts may qualify for discounts of 20% or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Distant Student – who live away from home to go to college and do not have a car can be insured at a reduced rate.
  • One Accident Forgiven – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual permit an accident before raising your premiums so long as you are claim-free prior to the accident.
  • Telematics Data Discounts – People who choose to allow their company to track when and where they use their vehicle through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they are good drivers.
  • Online Discount – Some of the larger companies will give a small break simply for signing digitally online.
  • Low Mileage Discounts – Maintaining low annual mileage can earn discounted prices on garaged vehicles.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Versa insurance depending on your car insurance provider.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.

Some of the insurance companies that may offer policyholders most of the discounts above include:

When quoting, ask every prospective company to give you their best rates. Some discounts listed above may not be available in your state.

What determines Nissan Versa insurance costs?

Many different elements are used in the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, but others are less obvious such as your marital status or your vehicle rating.Smart consumers have a good feel for the different types of things that come into play when calculating your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in cheaper rates.

  • How much liability protection – Liability insurance will protect you if you are found liable for causing personal injury or damage in an accident. It provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Pay less after the wedding – Having a wife or husband actually saves money when shopping for auto insurance. Having a spouse demonstrates that you tend to be more financially stable it has been statistically shown that married couples file fewer claims.
  • Big cities have higher rates – Choosing to live in smaller towns and rural areas of the country has definite advantages when talking about auto insurance. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims. People in densly populated areas have to deal with more aggressive driving styles and higher rates of accident claims. More time on the road statistically corresponds to a higher accident and claim rate.
  • Save money by raising deductibles – Comp and collision deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, damage from fire, or theft of your vehicle. The higher the amount the insured is willing to pay, the less your auto insurance will be for Versa insurance.
  • Cheaper auto insurance rates for prior coverage – Having an insurance coverage lapse is a sure-fire way to increase your rates. In addition to paying higher rates, not being able to provide proof of insurance will get you fines and jail time. You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Consolidate policies and save money – Some companies allow lower prices to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, you still need to compare other insurance prices to ensure the best deal.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions might point out whether your personal situation could use an agent’s help.

  • What is UM/UIM insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if my car is in a flood?
  • Do I need roadside assistance coverage?
  • Is business equipment covered while in my vehicle?
  • Can I still get insurance after a DUI?
  • Is my 2011 Nissan Versa covered for flood damage?
  • Should I rate my 2011 Nissan Versa as pleasure use or commute?
  • Does my car insurance cover rental cars?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Big brands don’t always mean big savings

Drivers can’t get away from all the ads that promise big savings for switching by Geico, State Farm and Progressive. They all seem to have a common claim that you can save if you just switch your policy.

That’s great but how can every company give you a better price? It’s all in how they say it.

Most companies require specific criteria for the type of customer that earns them the highest profit. One example of this type of driver might be described as over the age of 35, has no driving citations, and has a high credit rating. Anybody that hits that “sweet spot” gets the lowest rates and will save quite a bit of money when switching.

People who do not meet these standards will probably have to pay higher rates which translates to business going elsewhere. Company advertisements say “drivers that switch” not “everybody who quotes” save that kind of money. That is how companies can make the claims of big savings.

Because each company has a different risk profile, it is so important to compare free insurance coverage quotes often. It is impossible to predict with any certainty which company will be your best fit.

Specifics of your insurance policy

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverage types available from insurance companies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Versa.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage

This covers damage to your Versa resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, prosthetic devices, dental work, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, medical services, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Quote more. Save more.

We covered a lot of ways to get a better price on 2011 Nissan Versa insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the best price on insurance coverage is with a small local company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Some insurance coverage companies don’t offer online price quotes and these regional carriers only sell through independent insurance agencies. Budget-conscious 2011 Nissan Versa insurance can be purchased from both online companies as well as from insurance agents, so you need to compare both in order to have the best price selection to choose from.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, drivers have reduced uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Even more information can be read in the articles below:

Comments About 2011 Nissan Versa Insurance

  1. Raylene Slater

    Liked the article. Proud to be from Seattle, Washington. Quoted a bunch of companies. Saved about $40 a month. 21st Century was the most affordable for me. Insured with Mercury before. LOL

  2. Katy Tucker

    All companies are crooks. Lifelong resident of Baltimore, MD. I compared lots of rates. Saved about $70 a month. Allstate was the cheapest option for me. You can get a rate quote online.

  3. Man Hull

    In Dallas, TX, GEICO is a good choice. Insured with Sentry before.

  4. Davis Atkins

    Anyone know of any company in Frederick, Maryland that will insure high risk drivers?

  5. Damian Mccormick

    Here’s my info. I live in Jacksonville, FL. Compared rates from a lot of places. Saved darn near $50 a month. Allstate was the cheapest for me. Left Safeco to switch. I’m a pretty low risk driver. Highly recommended.

  6. Jerri Mcneil

    What are minimum liability limits required in Minnesota?

  7. Abbey Cote

    In Fairbanks, AK, GEICO is a good choice. They were helpful in switching over.

  8. Teodora Macias

    I live in a small town just outside of Little Rock, AR. Quoted quotes from AIG Insurance, Mercury, and Western Auto Insurance for my Versa and cut my rates about $360 a year. Ask about discounts.

  9. Vesta Orr

    For me, State Farm was by far the cheapest in Gaithersburg, Maryland.

  10. Valentin Mcintyre

    I’ve bought from Progressive forever. Cheapest rates in Aurora, IL.

  11. Owen Ballard

    What is Underinsured Motorist coverage?

  12. Rick William

    I switched to State Farm. Quoted good rates in Montgomery, Alabama. Have a couple speeding tickets too.

  13. Shalanda Kane

    If you have a good history and live near Grand Forks, ND, check out Progressive. You might get cheaper rates. Was with Farmers.

  14. Thu Jarvis

    In Milwaukee, WI compare Allstate with Progressive and see which is best.

  15. German Jones

    Anyone understand their policy?