2015 Nissan Versa Insurance Rates

Are you frustrated by the number of insurance coverage choices in your area? Consumers have such a vast assortment of choices available that it can turn into a real challenge to find the best prices.

Finding the best rates is quite easy. If you are paying for car insurance now, you will be able to save some money using these methods. But drivers should learn the way insurance companies market on the web and apply this information to your search.

The easiest way to compare car insurance rates is to realize most insurance companies provide online access to give you rate quotes. To get started, all you need to do is give them some information such as if it has an alarm system, distance driven, if you lease or own, and if a SR-22 is needed. The data gets transmitted to multiple companies and you will receive price estimates very quickly.

To find lower rates now, click here and enter your zip code.

Lower-cost auto insurance rates with discounts

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using when you buy car insurance online.

• Federal Employees – Having worked for a branch of the government may reduce rates when you quote car insurance on Versa coverage with some auto insurance companies.
• Discounts for Multiple Vehicles – Having more than one vehicle on a single policy could earn a price break for each car.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Driver Safety – Participating in a course teaching defensive driver skills could possibly earn you a 5% discount depending on where you live.
• Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less since new model year vehicles are generally safer.
• College Student Discount – living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a car insurance quote.
• First Accident Forgiveness – but companies like Liberty Mutual, Allstate and State Farm will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you aren’t that lucky. But all discounts will help reduce the cost of your policy.

A list of companies and a summarized list of policyholder discounts can be read below.

• State Farm has discounts for student away at school, passive restraint, defensive driving training, Steer Clear safe driver discount, multiple policy, safe vehicle, and good driver.
• Progressive includes discounts for multi-policy, continuous coverage, good student, multi-vehicle, homeowner, online quote discount, and online signing.
• Travelers offers discounts including early quote, save driver, multi-policy, payment discounts, multi-car, and home ownership.
• American Family policyholders can earn discounts including good student, mySafetyValet, good driver, Steer into Savings, defensive driver, and TimeAway discount.
• Liberty Mutual may have discounts that include good student, new vehicle discount, safety features, multi-car, and new move discount.

Before you buy a policy, ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered on policies in your area. To see companies that offer the discounts shown above, click here to view.

How do insurance providers determine Nissan Versa insurance premiums?

It’s important that you understand a few of the rating criteria that help calculate the rates you pay for auto insurance. If you understand what determines premiums, this enables you to make decisions that will entitle you to better auto insurance rates. Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious like your driving record, but other criteria are more obscure like your continuous coverage or your commute time.

The list below includes most of the major factors companies use to determine your premiums.

• Pleasure use or commuting – Driving more miles every year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based on their usage. Cars that sit idle most of the time can get a lower rate compared to those used for work or business. It’s a good idea to make sure your auto insurance coverage shows the correct usage. An improperly rated Versa can result in significantly higher rates.
• Inexpensive frequent claims are not good – Auto insurance companies provide cheaper rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
• Cut auto insurance rates and deter theft – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.
• Single drivers may get higher costs – Getting married can actually save you money on auto insurance. It means you’re less irresponsible and statistics show married drivers tend to file fewer claims.
• Does your job raise your auto insurance rates? – Careers such as judges, business owners and miners generally pay higher rates than the rest of us attributed to intense work requirements and long work hours. Other occupations such as actors, engineers and performers pay lower than average rates on Versa coverage.
• Cautious drivers have lower costs – A bad driving record influences premium rates substantially. Only having one moving violation can increase the cost of insurance substantially. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have gotten dangerous tickets like DUI or willful reckless driving may need to complete a SR-22 with their state’s department of motor vehicles in order to continue driving.
• Teenagers vs. older drivers – Drivers with little experience have a tendency to get distracted easily with other occupants in the car therefore auto insurance rates are much higher. Older, more experienced drivers have been proven to be more responsible, are lower risk to insure , and are generally more financially stable.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

• What can I do if my company won’t pay a claim?
• Does my car insurance cover rental cars?
• Is my business laptop covered if it gets stolen from my vehicle?
• Why does it cost so much to insure a teen driver?
• Is a new car covered when I drive it off the dealer lot?
• Does my personal policy cover me when driving out-of-state?
• Is other people’s property covered if stolen from my vehicle?
• What if I owe more than I can insure my car for?
• How much liability insurance is required?
• Who is covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, theft, damage from flooding, a broken windshield and hitting a deer. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, X-ray expenses, EMT expenses, funeral costs and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This will pay to fix damage to your Versa resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Auto liability insurance – This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as bail bonds, emergency aid, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Be a money saver!

We just presented a lot of techniques to save on 2015 Nissan Versa insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies.

Cost effective 2015 Nissan Versa insurance can be bought on the web in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies do not provide online rate quotes and usually these regional carriers provide coverage only through independent agents.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced physical damage coverage only to find out that it was a big mistake. Your goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

More information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Who Has the Cheapest Car Insurance for a Nissan Versa in Austin? (AustinCarInsuranceQuotes.com)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)