2018 Nissan Versa Note Insurance Rates – 10 Tips to Save

Scraping up a payment for pricey Nissan Versa Note insurance can consume your bank account and force you to cut corners elsewhere. Price shopping at each renewal is free and is an excellent way to tighten up your finances.

Companies like Progressive, State Farm and Geico promote their brand names with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Get cheaper rates with these ten discounts

Some insurance providers don’t always advertise all possible discounts very well, so we researched a few of the more well known as well as some of the hidden credits available to you. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

• Save with More Vehicles Insured – Having multiple cars with the same company can reduce the rates for all insured vehicles.
• Paperwork-free – A handful of larger companies provide a small discount shop insurance on the web.
• Discount for Life Insurance – Larger car insurance companies have a break if you buy life insurance from them.
• Defensive Driver Discounts – Passing a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
• Active Military Service – Being on active duty in the military can result in better rates.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
• Low Mileage – Driving fewer miles can qualify you for discounted prices on garaged vehicles.
• Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
• Federal Employees – Active or former government employment may reduce rates when you quote insurance on Versa Note coverage depending on your car insurance provider.
• Discount for Multiple Policies – If you combine your homeowners and auto policies and insure them both with the same insurance company you may save up to 20% off your total premium.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though you would think you could get a free car insurance policy, you’re out of luck.

To choose car insurance companies offering car insurance discounts, click here.

Well known brands might not be cheapest

Consumers can’t get away from ads that claim the cheapest premium rates from the likes of 21st Century, Allstate and State Farm. They all try to convey promises that drivers will save a bundle if you move your policy.

How does every company make almost identical claims? This is the way they can do it.

Car insurance companies are able to cherry pick for the type of customer that earns them the highest profit. A good example of this type of insured may be over the age of 45, has a clean driving record, and has excellent credit. A driver who fits that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

People who don’t meet the requirements will probably be forced to pay more expensive rates and this results in the customer not purchasing. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can make those claims.

Each company has different criteria, so you really need to do a rate comparison at every renewal. It is impossible to predict which car insurance company will be your best fit.

Car insurance can be complex

When choosing coverage, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out whether or not you might need professional guidance.

• Does coverage extend to a rental car in a foreign country?
• Does medical payments coverage apply to all occupants?
• Am I getting all the discounts available?
• At what point should I drop full coverage?
• Am I covered if hit by an uninsured driver?
• How much liability insurance is required?
• Is upholstery damage covered by car insurance?
• Do I benefit by insuring my home with the same company?
• Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Car insurance 101

Understanding the coverages of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by car insurance companies.

Coverage for collisions

This coverage pays for damage to your Versa Note resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries 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. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, a broken windshield, theft and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like prosthetic devices, dental work and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This can cover injuries or damage you cause to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, bail bonds, court costs, legal defense fees and medical services. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Be a money saver!

As you quote insurance, it’s a bad idea to reduce needed coverages to save money. In many instances, consumers will sacrifice physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Low-cost 2018 Nissan Versa Note insurance can be sourced on the web as well as from insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these smaller providers work with local independent agencies.

More tips and info about auto insurance can be read by following these links:

• Child Safety FAQ (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Car Crashes Video (iihs.org)