2018 Nissan Versa Insurance Rates – 8 Tips to Save

Want cheaper car insurance rates for your Nissan Versa? I can’t think of a single person who enjoys paying for car insurance, particularly when it costs too dang much.

Lots of car insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest cost out there.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these tips. Finding the best rates is not rocket science. Nevertheless, car owners can benefit by having an understanding of how the larger insurance companies price online insurance and use this information to your advantage.

Car insurance companies offer many discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even know about. Certain reductions will be credited when you get a quote, but a few need to be asked about before being credited. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Own a Home and Save – Just being a homeowner may earn you a small savings since home ownership requires personal responsibility.
  • Drivers Education – Require your teen driver to enroll in driver’s education in school.
  • More Vehicles More Savings – Buying a policy with multiple vehicles with one company can reduce the rates for all insured vehicles.
  • Online Discount – Some car insurance companies may give you up to $50 get insurance coverage on the internet.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Versa coverage.
  • New Car Discount – Buying a new car instead of a used car is cheaper compared to insuring an older model.
  • No Accidents – Good drivers with no accidents pay less in comparison with bad drivers.

Discounts lower rates, but some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, that’s just not realistic. But any discount will bring down your premiums.

The best car insurance companies and a partial list of their discounts include:

  • 21st Century offers discounts for driver training, teen driver, early bird, student driver, and automatic seat belts.
  • State Farm may offer discounts for Drive Safe & Save, good driver, defensive driving training, good student, safe vehicle, and accident-free.
  • AAA policyholders can earn discounts including pay-in-full, good student, good driver, AAA membership discount, education and occupation, and anti-theft.
  • Liberty Mutual offers premium reductions for preferred payment discount, good student, new graduate, newly married, multi-car, and teen driver discount.
  • Progressive has discounts for online quote discount, good student, homeowner, online signing, continuous coverage, multi-vehicle, and multi-policy.

When getting free insurance coverage quotes, it’s a good idea to each insurance company how you can save money. Savings may not apply everywhere. To see a list of providers that can offer you the previously mentioned discounts, click here to view.

Will you really save $425 on auto insurance?

Companies like State Farm, GEICO and Progressive consistently run ads on TV and radio. All the ads seem to make the promise that people will save if you switch your coverage. But how can every company sell you cheaper insurance coverage?

Companies are able to cherry pick for a prospective insured that will generate a profit. A good example of a profitable customer may be over age 30, has never had a claim, and the vehicle is rated for pleasure use. A customer getting a price quote who fits that profile will get a cheap rate quote and will most likely pay quite a bit less when switching companies.

People who fall outside those criteria may be forced to pay a more expensive rate with the end result being the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “all people who quote” save that much money. That’s the way companies can truthfully make those statements. This really emphasizes why you need to compare as many free insurance coverage quotes as you can. It is impossible to predict which insurance companies will have the best prices for your profile.

Do I just need basic coverages?

When it comes to buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • How can I get high-risk coverage after a DUI?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my ex-spouse still covered by my policy?
  • Can I make deliveries for my home business?
  • Who is covered by my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Learn about car insurance coverages for a Nissan Versa

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as medical services, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, funeral costs, doctor visits, rehabilitation expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Nissan Versa.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Be a smart shopper

We just covered many tips how you can save on 2018 Nissan Versa insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best rates are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

Affordable 2018 Nissan Versa insurance can be sourced online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies may not have price quotes online and these small insurance companies only sell through independent insurance agents.

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