Compare 2007 Nissan Versa Insurance Quotes

Nobody that owns a car anticipates paying for auto insurance, in particular when the prices are way too high.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest rate possible.

Affordable car insurance rates with discounts

Insuring your vehicles can cost a lot, but there may be some discounts that could drop your premiums quite a bit. A few discounts will automatically apply when you quote, but some may not be applied and must be manually applied before you get the savings.

  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on car insurance since home ownership is proof that your finances are in order.
  • Discount for Life Insurance – Car insurance companies who offer life insurance give a discounted car insurance rate on car insurance if you buy some life insurance too.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off PIP or medical payments premium.
  • Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease on Versa insurance with certain companies.
  • Distant Student Discount – Older children who live away from home at college and do not have a car may be able to be covered for less.
  • Driver Training Discounts – Completing a class that teaches driver safety techniques may get you a small discount if you qualify.
  • Low Miles Discount – Maintaining low annual mileage may enable drivers to earn better premium rates on cars that stay parked.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

Large car insurance companies and a selection of discounts are detailed below.

  • State Farm offers premium reductions for good student, multiple policy, Steer Clear safe driver discount, driver’s education, and safe vehicle.
  • Nationwide includes discounts for defensive driving, easy pay, family plan, business or organization, accident-free, good student, and anti-theft.
  • GEICO offers discounts for multi-vehicle, daytime running lights, five-year accident-free, multi-policy, air bags, and anti-lock brakes.
  • AAA policyholders can earn discounts including pay-in-full, multi-policy, anti-theft, good driver, education and occupation, AAA membership discount, and good student.
  • 21st Century may offer discounts for automatic seat belts, homeowners, early bird, student driver, and teen driver.
  • The Hartford has discounts for bundle, defensive driver, air bag, driver training, good student, and anti-theft.

If you need cheap insurance coverage quotes, ask all companies you are considering which discounts they offer. Savings may not apply to policyholders in your area. If you would like to see a list of insurance companies offering car insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I get collision insurance on every vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I don’t drive much so do I pay less?
  • How high should my medical payments coverage be?
  • Is upholstery damage covered by car insurance?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, loss of income, pain and suffering and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays for damage to your Versa resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, hospital visits, ambulance fees, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Have the Midas touch

We just presented a lot of tips how to reduce 2007 Nissan Versa insurance premium rates online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Affordable 2007 Nissan Versa insurance is available from both online companies and from local agencies, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not offer online rate quotes and usually these regional carriers only sell through local independent agencies.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

More detailed auto insurance information can be read at these sites: