2014 Nissan Versa Insurance Cost – 10 Tips for Best Prices

Want the cheapest auto insurance rates? Drivers have options when trying to find affordable Nissan Versa insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a better way to compare auto insurance rates and you need to know the best way to price shop coverage for your Nissan and get the best price possible from local insurance agents and online providers.

You need to get comparison quotes as often as possible since insurance rates change quite often. Even if you think you had the best deal for Versa insurance a few years ago you can probably find a lower rate today. There is lot of inaccurate information about auto insurance online, but you can learn some tested techniques to stop overpaying for insurance.

How to buy car insurance online

Many insurance companies such as State Farm, Allstate and Geico make it easy to get price estimates directly from their websites. Getting prices online is easy for anyone as you just type in the coverages you want into the form. Once you submit the form, the company’s rating system makes automated requests for reports for credit and driving violations and generates pricing information based on these factors.

Online price quotes streamlines rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you want to get the lowest possible prices on car insurance.

A better way to compare car insurance pricing makes use of a single form to get prices from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes online shopping much simpler. After sending the form, it gets priced and you are able to buy any one of the quote results.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly compare rates using this form now, click here and fill out the form. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. This way, you will get an apples-to-apples comparison based on similar coverages.

Tricks in insurance coverage advertising

Consumers can’t escape the ads that promise big savings from the likes of State Farm, Allstate and Geico. They all seem to advertise claims about how much you will save just by switching your policy.

How do they all charge lower premium rates? Here is how they do it.

Insurance companies can use profiling for a prospective insured that is profitable for them. One example of this type of insured may be a mature driver, has few claims, and drives less than 7,500 miles a year. Any driver that matches those criteria is entitled to the best price and will most likely cut their rates substantially.

Potential insureds who do not match these standards will get more expensive rates which usually ends up with the customer not buying. The trick is to say “people that switch” but not “all drivers who get quotes” save that much when switching. That’s the way insurance companies can confidently make those statements.

This really illustrates why you need to get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will provide the lowest premium rates.

Car insurance policy discounts you can’t miss

Some insurers do not advertise all disounts in an easy-to-find place, so the below list has both well-publicized and also the lesser-known discounts you could be receiving when you buy car insurance online. If you do not double check each discount you deserve, you could be saving more on your car insurance.

• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
• Pay Upfront and Save – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
• Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote car insurance for Versa insurance with certain companies.
• Distant Student Discount – Youth drivers who live away from home at college and do not take a car to college may be able to be covered for less.
• Low Mileage Discounts – Low annual miles could earn slightly better rates than normal.
• Multi-policy Discount – If you have multiple policies and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
• Active Service Discounts – Having a family member in the military could qualify you for better prices.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money because newer vehicles keep occupants safer.
• Accident-Free Discounts – Insureds with no claims or accidents pay less compared to insureds who have frequent claims or accidents.
• Data Collection Discounts – Policyholders that allow their company to spy on driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as they are good drivers.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, that’s just not realistic. But all discounts will help reduce the premium cost.

If you would like to choose from a list of companies with the best car insurance discounts, click this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions can help discover whether your personal situation may require specific advice.

• Is my cargo covered for damage or theft?
• Do I need to file an SR-22 for a DUI in my state?
• When should I drop full coverage on my 2014 Nissan Versa?
• Why do I need rental car insurance?
• What happens if I owe more than my 2014 Nissan Versa is worth?
• Is pleasure use cheaper than using my 2014 Nissan Versa to commute?
• Do I have coverage for damage caused while driving under the influence?
• Is upholstery damage covered by car insurance?
• Do all my vehicles need collision coverage?
• Why am I required to buy high-risk coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, 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 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like pain and suffering, repair bills for other people’s vehicles, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage will pay to fix damage to your Versa resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, prosthetic devices, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Best coverage at the best price

People who switch companies do it for many reasons like high prices, delays in responding to claim requests, unfair underwriting practices and being labeled a high risk driver. Regardless of your reason, finding a great new company is not as difficult as it may seem.

We just presented many tips how you can compare 2014 Nissan Versa insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable car insurance. You may be surprised to find that the lowest premium rates are with an unexpected company.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best price and still be able to protect your assets.

More information

• Airbag FAQ (iihs.org)
• Who Has the Cheapest Car Insurance Quotes for a Nissan Versa in Arlington? (ArlingtonCoverage.com)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Red Light Cameras (State Farm)