Cheaper 2012 Nissan Versa Insurance Rates

Looking for the cheapest car insurance rates for your Nissan Versa? Comparison shopping for low cost car insurance is very difficult for drivers who are beginners to online comparison shopping. You have so many options that it can easily be a difficult situation to locate the lowest rates.

Consumers should take time to take a look at other company’s rates at least once a year because prices are variable and change quite frequently. If you had the lowest quotes for Versa insurance a few years ago you can probably find a lower rate today. Ignore everything you know about car insurance because I’m going to teach you the fastest and easiest way to find lower rates on car insurance.

Insurance companies offer many discounts

Insurance can cost an arm and a leg, but there may be some discounts that can drop the cost substantially. Most are applied when you complete an application, but less common discounts must be asked about prior to getting the savings.

  • Auto/Life Discount – If the company offers life insurance, you could get a lower rate if you buy life insurance.
  • Accident Free – Insureds with no claims or accidents get the best insurance rates when compared to policyholders that have many claims.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • No Charge for an Accident – This one isn’t a discount, but companies like Geico and Allstate will turn a blind eye to one accident before hitting you with a surcharge if you have no claims before the accident.
  • Homeowners Savings – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.
  • Military Deployment Discount – Having a deployed family member could qualify you for better rates.
  • Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may get savings of 20 to 30 percent.
  • Low Miles Discount – Maintaining low annual mileage could be rewarded with lower prices on the low mileage vehicles.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.

As is typical with insurance, most discounts do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

To view providers offering insurance discounts, click this link.

How to compare insurance coverage rate quotes

The are a couple different ways to get quotes from lots of insurance coverage companies. The recommended way to find cheaper 2012 Nissan Versa rates is simply to get online rate quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for each price estimate. Taking the time to complete one form compares rates from all major companies. Recommended for those who want to invest the least amount of time.
  • A different way to compare rate quotes consists of going to the website for each individual company to complete a price quote. For example, we’ll pretend you want to see prices from Liberty Mutual, 21st Century and Farmers. In order to compare rates, you need to go to every website and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
  • The old school way to do your price quoting is to spend your day driving to and from local insurance agencies. The fact that you can get quotes online eliminates this option unless you want the trained guidance that only a licensed agent can provide. It is possible with some companies comparison shop online but buy from a local insurance agent.

It doesn’t matter which method you choose, just be certain you are entering identical coverages on every price quote you get. If your comparisons have higher or lower deductibles it will be nearly impossible to find the best deal for your Nissan Versa. Slightly different insurance coverages or limits could mean much higher rates. And when comparison shopping, comparing more quotes helps locate better pricing. Some smaller insurers to not give online rate quotes, so it’s necessary to compare rates from those companies as well.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when pulling a rental trailer?
  • Is my nanny covered when driving my vehicle?
  • Do I need higher collision deductibles?
  • Can my teen drive my company car?
  • Am I covered if I wreck a rental car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages and their meanings

Learning about specific coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, hail damage, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your Versa caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like dental work, funeral costs, pain medications and surgery. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

This coverage protects you from damage or injury you incur to people or other property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Versa.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

More effort can pay off

There are still a few companies who may not provide rates over the internet regional insurance providers only sell through independent insurance agencies. Cheaper insurance can be purchased from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Insureds switch companies for many reasons like policy non-renewal, high prices, delays in paying claims and not issuing a premium refund. Whatever your reason, choosing a new company is not as hard as you think.

We just showed you a lot of tips how to save on 2012 Nissan Versa insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies.

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Comments About 2012 Nissan Versa Insurance

  1. Karole Vinson

    From north side of Boise, ID. Quoted prices from Auto-Owners, MetLife, and Western Auto Insurance for my Nissan and saved just over $550 a year. Left Esurance to switch. Teenage drivers are expensive! Still almost need a second mortgage.

  2. Rolf Gibson

    All companies are crooks. I live just outside Columbus, GA. I compared lots of rates. Saved right around $60 a month. Allstate was the cheapest option for me. They have a lot of discounts available. Did it all online.

  3. Sunni Lowe

    Will Progressive raise rates for a small claim?

  4. Miyoko Ewing

    Located in Warren, MI. Quoted quotes with Allstate, Erie, and GMAC for my 2012 Nissan Versa and cut my rates about $410 a year.

  5. Collette James

    I’m in the west part of Rapid City, SD. Quoted with Amica, Sentry, and a few others for my 2012 Nissan Versa and I think I saved about $30 each month. Moved home policy as well. I got prices on the web.

  6. Winford Fischer

    Are State Farm or State Farm rates cheaper in Indiana?

  7. Lean Huff

    I’m in the north part of Rapid City, SD. Checked online prices for a 2012 Nissan Versa. Ended up at about $360 savings annually. Went with 21st Century. Just waiting to see how claims go.

  8. Simone Fuentes

    In Jackson, MS, American Family had the best rates for my 2012 Nissan Versa. Moved home policy as well. It never hurts to quote around.

  9. Dorinda Travis

    From northwest of Omaha, NE. I quoted with Mercury, Farmers, Allstate, and American Family for my Nissan and saved around $250 a year. Was with Nationwide. I have kids on my policy, too. Online quotes are the way to go.

  10. Sommer Byrd

    Cheap is relative. Quoted with MetLife for my 2012 Nissan Versa and am saving around $280 a year. Insured with Amica before.

  11. Nathalie Snider

    Too expensive. I ride a bike.