How Much Does 2011 Nissan Versa Insurance Cost?

Looking for the cheapest insurance rates for your Nissan Versa? Price shopping your Driversinsurance can seem to be nearly impossible for drivers who are beginners to quoting and comparing prices online. You have so many choices that it can easily turn into a big hassle to locate the lowest price.

It is always a good idea to get comparison quotes before your next renewal due to the fact that insurance prices tend to go up over time. If you had the lowest rate on Versa insurance a year ago you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to eliminate unnecessary coverages and save money.

The method we recommend to compare car insurance company rates is to take advantage of the fact most of the larger companies participate in online systems to give rate comparisons. All consumers are required to do is take a few minutes to give details such as deductibles desired, if your license is active, driver details, and whether the vehicles are used for commuting. Your insurance information gets transmitted to many highly-rated insurers and you will receive price estimates instantly to find the best rate.

Tailor your insurance coverage coverage to you

When buying coverage, there is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

Does insurance cover tools stolen from my truck?
Am I missing any policy discounts?
Does my policy pay for OEM or aftermarket parts?
How high should my uninsured/underinsured coverage be in my state?
Is business equipment covered while in my vehicle?
Am I covered when driving someone else’s vehicle?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a Nissan Versa

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This pays for damage to your Versa from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2011 Nissan Versa.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as pain and suffering, court costs and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses like X-ray expenses, ambulance fees, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage