How Much Does 2018 Nissan Versa Insurance Cost?

Want lower auto insurance rates for your Nissan Versa? Are you regretting buying overpriced auto insurance? It’s a common feeling and there are many people just like you.

Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company and get the definite lowest price

Consumers need to compare premium rates once or twice a year because insurance prices change quite often. Just because you found the best quotes for Versa insurance last year you can probably find a better rate now. Forget all the misinformation about auto insurance because you’re about to learn the tricks you need to know to buy cheaper auto insurance.

Quote car insurance online

The majority of larger companies make it easy to get insurance quotes direct online. Getting quotes is easy for anyone as you just type in the coverage amounts you desire on the page. Upon sending the form, the system makes automated requests for your driving and credit reports and returns pricing information determined by many factors. This helps simplify price comparisons, but the time required to go to multiple sites and fill out multiple forms is a waste of time. But it’s absolutely necessary to perform this step in order to get better prices.

A quicker way to locate the lowest prices uses one simple form to obtain quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online shopping much more efficient. Immediately after you send the form, your coverage is rated and you can select any one of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

To save time and find out what other companies charge, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you duplicate the limits and deductibles just like they are on your policy. Doing this guarantees you will get a rate comparison for similar insurance coverage.

Find Nissan Versa insurance cheaper

Many factors are considered when quoting car insurance. Some are pretty understandable like your driving record, although others are less apparent like your vehicle usage and annual miles driven.A large part of saving on insurance coverage is knowing some of the things that play a part in calculating your premiums. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find lower rates.

  • Improve your credit score – A driver’s credit score can be a huge factor in calculating your insurance coverage rates. If your credit score is low, you could be paying less to insure your 2018 Nissan Versa by improving your rating. Drivers with high credit ratings tend to be less risk to insure as compared to drivers with poor credit scores.
  • Save by driving vehicles with better crash test results – Cars with high safety ratings are cheaper to insure. Vehicles built for safety have better occupant injury protection and lower injury rates means your insurance company pays less and thus lower rates. If your Nissan Versa scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • What are good liability limits? – Liability coverage is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. Liability provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Incidental coverages are wasting money – There are many additional extra coverages that may not really be needed on your insurance coverage policy. Coverages for vanishing deductibles, accidental death, and motor club memberships are examples of these. They may seem good when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Combine policies and save money – Lots of insurance coverage companies will award better rates to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare rates to guarantee you are still saving the most.

Take policy discounts and save

Companies offering auto insurance do not list every policy discount in a way that’s easy to find, so the below list has both well-publicized as well as the least known credits available to you. If you’re not getting every credit available, you could be saving more on your insurance.

  • Government Employee Discount – Simply working for the federal government could cut as much as 10% off for Versa insurance with some insurance companies.
  • Driving Data Discount – Drivers who agree to allow their insurance company to look at driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as they are good drivers.
  • Renewal Discounts – A few companies allow discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • No Charge for an Accident – but companies like State Farm and Allstate allow you one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
  • Distant Student – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Seat Belt Usage – Forcing all vehicle occupants to use a seat belt could save 15% on medical payment and PIP coverage.
  • Defensive Driver – Taking a course teaching defensive driving skills is a good idea and can lower rates depending on where you live.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of more than 20%.
  • No Accidents – Insureds who avoid accidents and claims can earn big discounts in comparison with drivers who are more careless.

One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

If you would like to view insurers with discount insurance rates, click here to view.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Is business property covered if stolen from my car?
  • Do I need rental car coverage?
  • Why is insurance for a teen driver so high?
  • Can I rent a car in Mexico?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage information

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, rock chips in glass, hail damage and hitting a bird. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Versa.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for things like surgery, rehabilitation expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your Versa resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like court costs, attorney fees, medical expenses and legal defense fees. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Stretch your dollar

When searching for inexpensive insurance coverage quotes, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

More affordable insurance coverage is available online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies may not have online price quotes and most of the time these smaller providers work with independent insurance agencies.

We covered a lot of ways to reduce 2018 Nissan Versa insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the best car insurance rates are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.

Additional insurance coverage information is available on the following sites:

Comments About 2018 Nissan Versa Insurance

  1. Tenisha Jimenez

    Just my two cents. From northwest of Saint Paul, MN. Not sure of all the companies but I ended up saving about $50 each month. Was with The General. Hopefully won’t need it.

  2. Iola Russell

    Does 21st Century have good customer service?

  3. Nubia Haynes

    Hope my rates come down. Located in Philadelphia, Pennsylvania. Quoted with Mercury, Farmers, State Farm, and American Family for my 2018 Nissan Versa and I think I cut my rates about $30 each month. Was with Travelers. Highly recommended.

  4. Beatrice English

    I found pretty cheap rate quotes for a 2018 Nissan Versa in Las Cruces, New Mexico. Ended up at darn near $280 every six months with AAA. BTW speeding tickets are not good. Online quotes are the way to go.

  5. Angella Kramer

    Live in the western part of Missoula, MT. Got car insurance quotes with AAA, Nationwide, and Travelers for my 2018 Nissan Versa and I think I cut my rates about $50 each month. I’m a pretty good driver though.

  6. Brandon Stewart

    Will Progressive cancel if I have a claim?