2016 Nissan Versa Insurance Rates – 9 Tricks for Cheapest Quotes

Scraping up a payment for overpriced Nissan Versa insurance can sap your family’s budget and put a big crunch on your finances. Shopping your coverage around can save money and help to ensure you are getting the best deal.

Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company and get the best coverage at the lowest rate possible.

It’s smart to do rate comparisons yearly because auto insurance rates are adjusted regularly by insurance companies. Just because you had the lowest rate on Versa coverage on your last policy there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re about to find out the best methods to lower your rates without sacrificing coverage.

If you are insured now or are looking for a new policy, you can use these tips to cut your premiums and still get good coverage. Finding affordable coverage is not that difficult. Consumers only need to know the proper methods to shop for insurance coverage online.

More affordable rates with these nine discounts

Auto insurance is expensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Some trigger automatically when you get a quote, but some may not be applied and must be requested specifically in order for you to get them. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Buy New and Save – Putting insurance on a new car can be considerably cheaper compared to insuring an older model.
  • Discount for Home Ownership – Just being a homeowner can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • No Claim Discounts – Drivers who stay claim-free pay much less compared to drivers with a long claim history.
  • Early Switch Discount – A few larger companies give discounts for signing up prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • Onboard Data Collection – People who choose to allow driving data submission to look at driving patterns by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts may qualify for discounts of up to 25% or more.
  • Student in College – Any of your kids who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
  • Government Employees – Active or former government employment may qualify for a discount when you quote car insurance on Versa coverage with certain companies.

Consumers should know that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, auto insurance companies aren’t that generous.

If you would like to view insurance companies with significant discounts, click here to view.

The fastest way that we advise to compare insurance rates in your area is to understand almost all companies allow for online access to compare their rates. The one thing you need to do is spend a couple of minutes providing details such as if the vehicle is leased, your credit rating estimate, whether you are married, and if you have an active license. That rating data is then sent to insurance companies and they return rate quotes instantly to find the best rate.

To compare rates now, click here and enter your coverage details.

Auto insurance can be complex

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if your insurance needs could use an agent’s help.

  • Does liability extend to a camper or trailer?
  • What discounts do I qualify for?
  • Am I covered when pulling a rental trailer?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the minimum liability in my state?
  • What vehicles should carry emergency assistance coverage?
  • What if I owe more than I can insure my car for?
  • What is no-fault insurance?
  • What exactly is covered by my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Information about specific coverages

Knowing the specifics of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Coverage for liability

Liability insurance protects you from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, bail bonds, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Versa.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Med pay and PIP coverage pay for bills such as hospital visits, prosthetic devices, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your Versa resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, backing into a parked car, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, a broken windshield and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

One last thing

Throughout this article, we presented quite a bit of information on how to get a better price on 2016 Nissan Versa insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

Discount 2016 Nissan Versa insurance can be sourced online and also from your neighborhood agents, and you should compare rates from both to have the best selection. Some insurance companies may not have rate quotes online and most of the time these small insurance companies provide coverage only through local independent agents.

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