Compare 2015 Nissan Versa Note Car Insurance Quotes

Searching for better insurance prices for a Nissan Versa Note can be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Nissan and obtain the best price possible.

It is always a good idea to shop coverage around on a regular basis because rates are adjusted regularly by insurance companies. If you had the best premium rates on Versa Note insurance a few years ago there is a good chance you can find better prices now. There is a lot of bad information regarding car insurance on the internet, but you can learn some solid techniques on how to stop overpaying for insurance.

If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Shopping for the lowest cost protection is quite easy. Drivers only need an understanding of the best way to compare price quotes online.

Do you qualify for discount car insurance?

Car insurance is neither fun to buy or cheap, but you may qualify for discounts that many people don’t even know exist. Some trigger automatically when you complete an application, but a few need to be specifically requested before you will receive the discount.

  • Senior Citizens – Drivers that qualify as senior citizens are able to get a small decrease in premiums on Versa Note insurance.
  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn better premium rates on cars that stay parked.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could save 15% on medical payment and PIP coverage.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
  • Include Life Insurance and Save – Some insurance carriers give a discounted rate on car insurance if you buy life insurance.
  • Military Deployment Discount – Being deployed with a military unit could be rewarded with lower car insurance rates.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Club Memberships – Participating in qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

To choose insurance companies with the best discounts, click this link.

What insurance coverages do I need?

When buying proper insurance coverage, there really is not a one size fits all plan. Each situation is unique.

Here are some questions about coverages that can help discover if you might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • How much can I save by bundling my policies?
  • Will I lose any money if I cancel my policy before it expires?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I crash into my own garage door?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Why you might not save $480 a year

Consumers can’t get away from ads that claim the cheapest auto insurance rates by Progressive, Allstate and GEICO. They all try to convey promises that you’ll save big if you switch to their company.

How can each company give you a better price? Just pay attention to how they say it.

All companies quote their cheapest rates for a prospective insured that will add to their bottom line. For instance, a desirable insured might be described as over age 30, has few claims, and has a high credit rating. Any person who matches that profile receives the best prices and as a result will probably save some money.

Potential insureds who do not fit this ideal profile must pay higher premium rates and this results in business not being written. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save the amount stated. This is how companies can advertise the way they do.

Because every company is different, you really need to get as many free car insurance quotes as possible. It’s not possible to predict with any certainty which company will give you lower auto insurance rates than your current company.

Learn about auto insurance coverages for a Nissan Versa Note

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, hitting a deer, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as pain medications, rehabilitation expenses, funeral costs, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, structural damage, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 2015 Nissan Versa Note.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Collision insurance

This coverage will pay to fix damage to your Versa Note resulting from colliding 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 coverage protects against things like hitting a mailbox, crashing into a building, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Final thoughts

Drivers who switch companies do it for any number of reasons including questionable increases in premium, delays in paying claims, not issuing a premium refund or even lack of trust in their agent. It doesn’t matter what your reason, finding a new insurance company can be less work than you think.

There are still a few companies who may not offer rate quotes online smaller companies only sell through independent insurance agents. Budget-friendly insurance can be bought both online and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

When getting car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

More detailed insurance information can be read at these sites: