Drivers have a choice when trying to find the lowest priced Nissan Versa insurance. They can either spend hours driving around to get rate comparisons or use the internet to get rate quotes. There are more efficient ways to compare insurance coverage rates and you need to know the absolute fastest way to price shop coverage for a Nissan and find the lowest price from both online companies and local agents.
There are multiple methods to compare insurance coverage quotes, and some are more efficient than others. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use the web to achieve your goal.
Many of the larger companies are enrolled in a marketplace where insurance shoppers send in one quote, and every company can give them a price based on the submitted data. This prevents consumers from doing form submissions for each company.
To compare pricing click here to start a free quote.
One minor caviat to using this type of system is that consumers can’t choose which providers you want to price. If you would rather choose specific insurance companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. Click to view list.
You can use whichever method you prefer to find lower rates, just ensure you’re using the same coverages with each company. If you are comparing differing limits you can’t possibly get a fair rate comparison.
Some insurance providers do not list their entire list of discounts in an easy-to-find place, so the following list contains both well-publicized and also the more inconspicuous car insurance savings.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, you’re out of luck.
A few popular companies and some of the premium reductions they offer include:
Before you buy a policy, ask all companies you are considering to apply every possible discount. All car insurance discounts may not be available everywhere. To see a list of insurers that offer many of these discounts, follow this link.
Many factors are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving record, although some other factors are more transparent like your continuous coverage or your financial responsibility.It’s important that you understand the factors that help calculate your premiums. If you understand what impacts premium levels, this enables informed choices that could result in big savings.
Shown below are a few of the “ingredients” car insurance companies consider when setting prices.
When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.
For example, these questions might point out if your situation could use an agent’s help.
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Having a good grasp of car insurance aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, 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.
Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims like legal defense fees, bail bonds, pain and suffering, medical services and emergency aid. How much coverage you buy is a personal decision, but consider buying as much as you can afford.
Collision coverage pays for damage to your Versa caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things such as driving through your garage door, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive car insurance
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as rock chips in glass, damage from flooding and fire damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, ambulance fees and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest cost.
You just learned many tips how you can get a better price on 2017 Nissan Versa insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the biggest savings come from the smaller companies.
Cheap 2017 Nissan Versa insurance is possible both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer the ability to get quotes online and usually these smaller companies work with local independent agencies.
I’ve insured with Progressive for a long time. Pretty cheap in Allentown, PA.
I’m from Rio Rancho, New Mexico. I quoted with The General, Amica, Nationwide, and a couple others for my 2017 Nissan Versa and saved just over $320 a year. I got prices on the web.
Liked the article. From east side of Mesa, AZ. Received rates from AIG Insurance, Eastwood, and Nationwide for my Nissan and saved $302 a year.
From northwest of Paterson, NJ. Received quotes from Allstate, American Family, and some I forget for my Nissan and saved just over $470 a year. Have a couple speeding tickets too. Wish I didn’t have to insure at all.
Can you buy custom paint coverage for a 2017 Nissan Versa?
Proud to be from Lexington, KY. I quoted with Liberty Mutual, Amica, Safeco, and a couple others for my 2017 Nissan Versa and saved $238 a year.
When do I drop full coverage?
Live in the southern part of Newark, DE. I quoted with Nationwide, Esurance, Allstate, and AAA for my Nissan and saved just over $440 a year. Was with Progressive. Ask about discounts. Just waiting to see how claims go.
Do I have to have car insurance in Utah?
Cheapest quote for my 2017 Nissan Versa was with Eastwood. Ask about discounts. Still almost need a second mortgage.
I got quite a few price quotes for a 2017 Nissan Versa in Virginia Beach, Virginia. Ended up at roughly $280 every six months with Amica. Not sure if rates are cheaper online or through an agent.
I compared a lot of rate quotes for a 2017 Nissan Versa in Des Moines, IA. Ended up at about $500 every six months with AAA. Ask about discounts. It never hurts to quote around.