Cheap 2010 Nissan Versa Insurance Rates

Searching for cheaper insurance rates for your Nissan Versa? If online insurance comparisons are new to you, it’s easy to be overwhelmed by the vast assortment of online insurance companies and websites all claiming to save you money.

You should take the time to get comparison quotes once or twice a year because prices fluctuate regularly. Just because you had the lowest price for Versa insurance six months ago there is a good chance you can find better rates now. Ignore everything you know about insurance because we’re going to demonstrate the proper way to reduce your cost while improving coverage.

Finding affordable coverage is not rocket science. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Although car owners need to learn the way insurance companies determine prices and apply this information to your search.

Discount insurance coverage rates

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so here is a list both well-publicized and the more hidden discounts that may be available.

  • Homeowners Savings – Being a homeowner can get you a discount because maintaining a house is proof that your finances are in order.
  • Theft Deterent – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10% off your insurance quote.
  • Good Student Discount – This discount could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Renewal Discounts – A few larger companies give discounts for renewing your policy prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Driver Safety – Taking time to complete a course that instructs on driving safety may get you a small discount if your company offers it.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% for Versa insurance with some insurance coverage companies.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Cars that have air bags can get savings of 25 to 30%.
  • Save with More Vehicles Insured – Purchasing coverage when you have several vehicles on one policy could earn a price break for each car.

It’s important to understand that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few popular companies and some of their more popular discounts are:

  • GEICO includes discounts for five-year accident-free, seat belt use, federal employee, air bags, and military active duty.
  • Travelers discounts include continuous insurance, early quote, multi-car, student away at school, driver training, save driver, and payment discounts.
  • Farm Bureau may have discounts that include youthful driver, safe driver, 55 and retired, multi-policy, and good student.
  • Liberty Mutual has savings for preferred payment discount, newly married, exclusive group savings, new graduate, new move discount, and multi-policy.
  • American Family offers premium reductions for TimeAway discount, good driver, defensive driver, mySafetyValet, bundled insurance, and accident-free.
  • Progressive may include discounts for homeowner, good student, online quote discount, continuous coverage, multi-vehicle, and multi-policy.

If you are trying to find low cost insurance quotes, ask each insurance company to apply every possible discount. Depending on the company, some discounts may not be available in your state.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can aid in determining whether you may require specific advice.

  • Am I covered when driving on a suspended license?
  • Are rock chip repairs covered?
  • Is rental equipment covered for theft or damage?
  • What is medical payments coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is PIP insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Coverages available on your car insurance policy

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability

This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

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

Liability can pay for things such as structural damage, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for things like doctor visits, X-ray expenses, ambulance fees, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Versa.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, vandalism, damage from a tornado or hurricane and hail damage. The most 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.

Collision protection

This coverage covers damage to your Versa resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Do the work, save more money

People change insurance companies for any number of reasons including high prices, high rates after DUI convictions, delays in paying claims or policy non-renewal. Whatever your reason, choosing a new insurance company can be pretty painless.

In this article, we presented many tips how you can get a better price on 2010 Nissan Versa insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a small local company.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to find out that the savings was not a smart move. The proper strategy is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

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