2013 Nissan Versa Insurance Quotes

Being forced to pay for pricey car insurance premiums can eat up your family’s budget and put the squeeze on your family’s finances. There are many insurance companies to insure vehicles with, and though it is a good thing to have a selection, it makes it harder to get the best deal.

Find hidden discounts on insurance

Some insurers do not advertise every policy discount in a way that’s easy to find, so the following list contains a few of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance online.

• Active Service Discounts – Having a family member in the military can result in better premium rates.
• Low Mileage – Keeping the miles down on your Nissan could earn slightly better rates than normal.
• Buy New and Save – Adding a new car to your policy can save you some money due to better safety requirements for newer models.
• Defensive Driving Course – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates and make you a better driver.
• Responsible Drivers – Accident-free drivers can save as much as half off their rates for Versa insurance than drivers with accident claims.
• Own a Home – Being a homeowner may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of more than 20%.
• Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky. But any discount will help lower your overall bill.

Some companies that may offer these benefits possibly include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

When getting a coverage quote, ask each company or agent which discounts can lower your rates. A few discounts might not be offered everywhere. If you would like to view providers who offer online insurance quotes, click here to view.

How to buy insurance online

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can waste a lot of time driving to insurance companies in your area, or you could use online quoting to get the quickest rates.

Most of the larger companies belong to a marketplace where prospective buyers complete one form, and each company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions for each company.

To access this free quoting program, click here (opens in new window).

The only downside to comparing rates this way is you can’t choose the providers you will receive quotes from. So if you want to choose individual companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just ensure you’re using identical information for every quote you compare. If you compare different limits and deductibles on each one you will not be able to make a fair rate comparison.

You can change your insurance prices

Many things are considered when premium rates are determined. A few of the factors are predictable like an MVR report, but some are not as apparent such as your credit history or your commute time.

The factors shown below are just a few of the factors companies use to determine your prices.

• Multiple policies with one company – Many companies apply a discount to insureds that have more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you may still want to get quotes from other companies to confirm you are receiving the best rates possible. It’s possible to still save even more than the discount even if you have your coverage with different companies
• Premiums are lower the older you get – More mature drivers are shown to be more cautious, statistically cause fewer accidents and tend to be get fewer driving tickets.Drivers with little experience are statistically shown to get distracted easily when behind the wheel so they pay higher insurance rates.
• Safer cars save money – Cars with high safety ratings cost less to insure. Safer cars reduce occupant injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If your Nissan Versa scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Liability protection is peace of mind – Liability insurance will protect you in the event that you are determined to be liable for damages from an accident. Liability insurance provides legal defense to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining whether or not you will benefit from professional help.

• Does coverage extend to a rental car in a foreign country?
• What is the minimum liability in my state?
• Does liability extend to a camper or trailer?
• When do I need to add a new car to my policy?
• How do I file an SR-22 for a DUI in my state?
• What is UM/UIM insurance?
• Why am I required to get a high-risk car insurance policy?
• Which companies will insure high-risk drivers?
• Will my insurance pay for OEM parts?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Information about specific coverages

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as dental work, pain medications, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance 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: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, bail bonds, funeral expenses, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

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

Collision insurance covers things such as crashing into a ditch, crashing into a building, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t break the bank

In this article, we covered a lot of ways to compare 2013 Nissan Versa insurance prices online. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheap insurance. Drivers may discover the best price on auto insurance is with the smaller companies. Smaller companies often have lower rates on specific markets than their larger competitors like Progressive or Geico.

As you prepare to switch companies, never skimp on coverage in order to save money. There are too many instances where drivers have reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest cost, not the least amount of coverage.

Additional resources

• Information for Teen Drivers (Geico)
• How Much is Auto Insurance for a Nissan Versa in San Diego? (SanDiegoCoverage.com)
• Bodily Injury Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)