Compare 2016 Nissan Versa Note Insurance Cost

If you’re shopping for cheaper insurance online, are you overwhelmed by the sheer number of auto insurance companies that you can choose from? You’re not alone. people have so many companies to choose from that it can easily become a difficult situation to locate the lowest rates.

Insurance coverage quotes and discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so the list below gives a summary of both the well known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because new model year vehicles keep occupants safer.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control are safer to drive and will save you 10% or more.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Cars – Buying a policy with primary and secondary vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Discount for Life Insurance – Larger insurance companies have a discount if you purchase life insurance.
  • Student Driver Training – Teen drivers should sucessfully take a drivers education course in school.
  • Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn lower rates due to less chance of an accident.

It’s important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts can be found below.

  • GEICO offers discounts including air bags, multi-policy, federal employee, anti-lock brakes, anti-theft, membership and employees, and emergency military deployment.
  • Travelers offers premium reductions for student away at school, early quote, hybrid/electric vehicle, good student, and new car.
  • Farm Bureau includes discounts for youthful driver, renewal discount, multi-vehicle, 55 and retired, multi-policy, driver training, and safe driver.
  • Liberty Mutual has savings for exclusive group savings, multi-car, new move discount, multi-policy, newly retired, and hybrid vehicle.
  • American Family may offer discounts for TimeAway discount, early bird, good driver, accident-free, multi-vehicle, mySafetyValet, and Steer into Savings.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, multi-vehicle, continuous coverage, multi-policy, good student, and online signing.

Before you buy a policy, ask every prospective company what discounts are available to you. A few discounts may not be available in your area. If you would like to choose from a list of insurers with significant discounts, follow this link.

Situations that may require an agent’s advice

When buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage when making deliveries for my home business?
  • Can I drive in Mexico and have coverage?
  • Where can I get insurance after a DUI in my state?
  • When should I drop full coverage on my 2016 Nissan Versa Note?
  • What companies insure drivers after a DUI or DWI?
  • Is pleasure use cheaper than using my 2016 Nissan Versa Note to commute?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Well known brands might not be cheapest

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies state the claim about saving some big amount if you move your coverage to them. How does every car insurance company charge lower premium rates? It’s all in the numbers.

All the different companies have specific characteristics for the type of driver they prefer to insure. One example of a profitable customer should be between 25 and 40, has no tickets, and drives a vehicle with a low ISO rating. Someone who fits those characteristics gets the lowest premium rates and is almost guaranteed to save when switching.

Insureds who are not a match for the requirements may be forced to pay a higher premium which leads to business going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” save money. This is how insurance companies can confidently make those statements.

This really emphasizes why you should get price quotes at each policy renewal. You cannot predict the company that will give you the biggest savings.

Coverages available on your policy

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, vandalism, hitting a bird, hitting a deer and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

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

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees, emergency aid and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Versa Note.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as surgery, pain medications, EMT expenses, prosthetic devices and funeral costs. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

One last thing

We’ve covered a lot of information how to compare 2016 Nissan Versa Note insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of getting cheap car insurance. You may even find the biggest savings come from a small mutual company.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your focus should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Cheaper car insurance is available both online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not have online price quotes and these regional insurance providers work with independent agents.

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