Want lower insurance rates for your Nissan Versa Note? Do you get frustrated by the wide range of insurance providers available to you? Many other drivers are too. Consumers have so many choices that it can easily turn into a lot of work to lower your prices.
Buying cheaper protection can be fairly easy. Essentially anyone who shops for insurance coverage should be able to find better rates. Although drivers do need to know how insurance companies price insurance differently and use this information to your advantage.
The are a couple different ways to compare quotes from local insurance companies. By far the easiest way to find competitive 2014 Nissan Versa Note insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.
Whichever way you choose to compare rates, compare exactly the same coverage limits with each company. If you use different limits and deductibles on each one you can’t possibly make an equal comparison. Having just a slight variation in coverages could mean much higher rates. Keep in mind that comparing all the rates in your area helps increase your odds of locating a better price. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare price quotes on coverage from those companies, too.
Car insurance companies don’t necessarily list every policy discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance online.
One last thing about discounts, some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Even though it appears you can get free auto insurance, insurance coverage companies aren’t that generous.
A few of the larger companies and a summarized list of policyholder discounts are shown below.
Before buying, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders everywhere. If you would like to choose from a list of insurers that offer some of these discounts, follow this link.
When it comes to buying coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
For instance, these questions could help you determine whether your personal situation may require specific advice.
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Understanding the coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like X-ray expenses, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Coverage for liability – This can cover damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 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 coverage pays for things like structural damage, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Versa Note.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as hitting a bird, damage from flooding and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as backing into a parked car, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.
There are still a few companies who do not provide online quoting and many times these regional carriers prefer to sell through independent insurance agencies. Cheap 2014 Nissan Versa Note insurance is available both online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.
While you’re price shopping online, you should never skimp on coverage in order to save money. There are a lot of situations where an insured cut physical damage coverage only to find out that they should have had better coverage. Your goal is to purchase plenty of coverage at the best possible price, but do not skimp to save money.
Insureds leave their current company for a number of reasons such as questionable increases in premium, high rates after DUI convictions, extreme rates for teen drivers and being labeled a high risk driver. Regardless of your reason, choosing a new company can be easy and end up saving you some money.
Much more information about insurance coverage is located on the following sites:
Imelda David
I found pretty cheap rate quotes for a 2014 Nissan Versa Note in Portland, ME. Ended up at roughly $140 every six months with AIG Insurance. Was with Progressive. BTW speeding tickets are not good.
Neville Moore
Will Allstate raise rates after an accident?
Maxima Stanton
Cheapest quote for my 2014 Nissan Versa Note was with Erie. I used their online quote form to compare rates.
Paulina Campos
Affordable car insurance is a myth. Proud to be from Owensboro, Kentucky. Quoted a bunch of companies. Saved about $40 a month. 21st Century was the most affordable for me. They have a lot of discounts available.
Ronda Riddle
Here’s my quote info. I’m from Aurora, IL. Got car insurance prices from Progressive, American Family, Farmers, and The General for my 2014 Nissan Versa Note and saved just over $470 a year. Teenage drivers are expensive!
Cedrick Lewis
I found pretty cheap rate quotes for a 2014 Nissan Versa Note in Hilo, HI. Ended up at roughly $200 every six months with American Family. Insured with Allstate before.
Hana Fry
I live in Las Cruces, NM. I compared lots of rates. Saved darn near $30 a month. GEICO was the cheapest option for me. Was with GEICO. I think they have home insurance too.
Von Cortez
Mine is so expensive. From east side of Salt Lake City, UT. Quoted prices online for a 2014 Nissan Versa Note. Ended up at about $150 savings annually. Went with Allstate. Hopefully won’t need it. Highly recommended.
Lavern Russo
I’m in the east part of Hartford, CT. Compared quite a few companies. Saved right around $60 a month. 21st Century was the best choice for me.
Mariella Kinney
I got a good deal I think. From a town just southwest of Salem, Oregon. I compared lots of rates. Saved about $30 a month. GEICO was the cheapest for me. I even had a DUI years ago. It never hurts to quote around.
Yun Burks
I got decent rates for a 2014 Nissan Versa Note in Baton Rouge, LA. Ended up at roughly $330 every six months with Amica. Was with GMAC. Wish I didn’t have to insure at all.
Latesha Hudson
Thought I’d throw in my experience. Got a quote with Farmers for my Versa Note and am saving around $350 a year. I have kids on my policy, too.
Son Mcintosh
Thanks for putting this site together. Located in Baton Rouge, LA. Got car insurance quotes from GEICO, Auto-Owners, and some I forget for my Versa Note and I’m now saving $31 a month. Not sure if rates are cheaper online or through an agent.
Ileen Black
I live in San Antonio, Texas. Got free quotes online for a 2014 Nissan Versa Note. Ended up at about $550 savings annually. Went with GEICO. I have a teen driver too. It was easy to get rates.