Cheaper 2017 Nissan Versa Insurance Cost

Looking for the cheapest insurance coverage rates for your Nissan Versa? Are you burned out from not being able to afford to keep your car insured? You are in the same boat as many other consumers.

Popular companies such as GEICO, Progressive and Allstate increase brand awareness with fancy advertisements and it can be hard to avoid their marketing magic and find the best price available.

Lower the price of car insurance with these tips

Smart consumers have a good feel for the different types of things that go into determining the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower rates.

  • More traffic equals higher rates – Living in areas with lower population has it’s advantages when talking about car insurance. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate. Drivers in populated areas regularly have much more traffic and more time behind the wheel. Higher commute times translates into higher accident risk.
  • Bundle policies with the same company – Most major car insurance companies will award lower prices for people who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to ensure the best deal. Drivers may still find a better deal even if you insure with multiple companies
  • Increase deductibles and save – Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your Nissan. Some coverage claims would be a windshield shattered by a rock, collision with an animal, and having your car stolen. Comp and collision deductibles state the amount of money you are required to pay if you file a covered claim. The more damage repair cost you’re willing to pay, the less money you will pay for car insurance on Versa coverage.
  • You might want pay the inexpensive policy claims yourself – If you are a frequent claim filer, you shouldn’t be surprised to get either policy cancellation or increased premiums. Car insurance companies provide the lowest premiums to people who do not file claims often. Insurance coverage is designed for more catestrophic claims.

Car insurance discounts help lower rates

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available to help bring down the price. A few discounts will be applied at quote time, but a few must be asked for prior to getting the savings.

  • Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance coverage quote.
  • Discounts for New Vehicles – Buying a new car instead of a used car is cheaper due to better safety requirements for newer vehicles.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Versa coverage.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Renewal Discounts – Some insurance companies give discounts for renewing your policy prior to your current policy expiring. This can save 10% or more.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Versa coverage than less cautious drivers.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt can save a little off the medical payments premium.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies don’t profit that way.

To find insurance companies who offer cheap car insurance quotes, click this link.

But the ad said I’d save 15% in 15 minutes!

Car insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make the promise that you can save if you get a free insurance coverage quote and switch your coverage. That’s great but how can every company sell you cheaper insurance coverage? This is how they do it.

Insurance providers can use profiling for the type of insured that will generate a profit. For instance, a profitable customer should be between 25 and 40, has never had a claim, and drives a car with an anti-theft system. Any driver who meets those qualifications receives the best rates and have a good chance to save a lot of money.

Potential customers who may not quite match the “perfect” profile may be forced to pay a more expensive rate which usually ends up with business not being written. The trick is to say “people that switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully make claims like that. Each company has different criteria, so you should get price quotes at each policy renewal. It is impossible to guess the company that will fit you best based on your risk profile.

Which is the best insurance?

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. For instance, these questions might point out if your situation might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is UM/UIM insurance?
  • What can I do if my company denied a claim?
  • Do I benefit by insuring my home with the same company?
  • What if I owe more than I can insure my car for?
  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from car insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP pay for bills for rehabilitation expenses, EMT expenses, prosthetic devices, dental work and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Nissan Versa.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection

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

Comprehensive can pay for claims like hail damage, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

This coverage provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision coverage protection

Collision coverage pays for damage to your Versa caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, hitting a mailbox, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Shop. Compare. Save.

We’ve covered quite a bit of information on how to save on 2017 Nissan Versa insurance. The key thing to remember is the more you quote insurance coverage, the better your chances of lowering your car insurance rates. Drivers may discover the biggest savings come from a small local company. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like GEICO and State Farm.

Affordable 2017 Nissan Versa insurance can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and most of the time these small insurance companies only sell coverage through independent insurance agents.

More detailed auto insurance information can be found by following these links: