How Much Does 2014 Nissan Versa Note Insurance Cost?

Finding cheap auto insurance is very difficult for drivers who are beginners to online rate comparisons. There are so many different companies and agents to choose from that it can easily turn into a real hassle to find the perfect company for you.

Insurance quotes and discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help offset the cost. Certain reductions will be credited at the time you complete a quote, but once in a while a discount must be manually applied before they will apply.

  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Driver Safety – Taking a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Sign Early and Save – Select insurance companies give a discount for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • Waiver for an Accident – Not necessarily a discount, but a few companies such as GEICO and Allstate allow you one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the personal injury premium cost.
  • Service Members Pay Less – Having an actively deployed family member could qualify you for better rates.
  • Homeowners Savings – Just owning your own home can earn you a little savings because of the fact that having a home is proof of financial responsibility.
  • More Vehicles More Savings – Buying coverage for multiple cars on one policy can get a discount on all vehicles.

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you can get free auto insurance, companies don’t profit that way. Any amount of discount will definitely lower your insurance premiums.

If you would like to see a list of providers that have a full spectrum of discounts, click here.

Situations that may require an agent’s advice

When buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight if your situation will benefit from professional help.

  • Am I covered if my car is in a flood?
  • What is the rate difference between pleasure use and commuting?
  • Is upholstery damage covered by car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving on a suspended license?
  • What is UM/UIM insurance?
  • Do I need more liability coverage?
  • Do I need replacement cost coverage?
  • How can I force my company to pay a claim?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Buyer beware of insurance advertising tricks

Well-known insurance companies like State Farm, Allstate and GEICO regularly use ads on television and other media. All the ads advertise claims that drivers will save a bundle if you just switch to them. But how can every company charge lower premium rates? It’s all in the words they use.

Most companies have underwriting criteria for the type of driver that makes them money. An example of a profitable customer might be over the age of 45, has had continuous coverage, and drives newer vehicles. Any driver that meets those criteria will get a cheap rate quote and will probably cut their rates if they switch.

Drivers who don’t measure up to this ideal profile will see higher prices and the customer not purchasing. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully make those statements.

Because every company is different, you really should do a quote comparison often. It’s impossible to know the company that will have the lowest rate quotes.

Auto insurance coverages explained

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Nissan Versa Note.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, falling objects, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – This coverage can cover damage that occurs to a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, funeral expenses, attorney fees, legal defense fees and structural damage. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverage – Collision coverage pays for damage to your Versa Note resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, driving through your garage door, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Quote more, save more

You just learned many ways to get a better price on 2014 Nissan Versa Note insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price while not skimping on critical coverages.

Low-cost 2014 Nissan Versa Note insurance can be purchased online in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers do not offer price quotes online and usually these small insurance companies work with local independent agents.

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