Compare 2007 Nissan Versa Insurance Rates

Searching for the cheapest insurance coverage rates for your Nissan Versa? Tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as many other consumers.

There is such a variety of auto insurance companies to pick from, and although it’s nice to have a selection, it can be more difficult to compare company pricing.

Smart consumers take time to compare rates once or twice a year because insurance rates change regularly. Even if you think you had the best price for Versa coverage last year other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the best ways to eliminate unnecessary coverages and save money.

Free Quotes for Insurance Coverage

All major insurance coverage companies allow you to get pricing online. The process is fairly straightforward as you just enter the coverages you want as requested by the quote form. After you complete the form, their system orders your driving record and credit report and returns a price quote. Online price quotes streamlines rate comparisons, but having to visit each company’s website and repetitively complete many quote forms gets old quite quickly. Unfortunately, it is important to get many rate quotes in order to get lower prices.

There is an easier way!

An easier way to compare rates requires only one form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes online quotes a lot less work. After sending your information, it is rated and you can choose any one of the returned quotes. If a lower price is quoted, you simply finish the application and buy the new coverage. It takes 15 minutes at the most and you’ll know if lower rates are available.

To use this form to compare rates, click here to open in new window and submit the form. If you have a policy now, it’s recommended you replicate deductibles and limits just like they are on your policy. Doing this assures you will have a rate comparison for similar coverage.

Factors that might impact rates for a Nissan Versa

It’s important that you understand the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Always keep insurance in force – Having an insurance coverage lapse will be a fast way to increase your car insurance rates. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.
  • Lower rates come with age – Teen drivers have a tendency to be careless and easily distracted when driving so car insurance rates are higher. Adding a youthful driver to your policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Small claims can cost you – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Car insurance companies award discounts to drivers who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Traffic violations increase rates – Drivers with clean records tend to pay less for car insurance than bad drivers. Just one speeding ticket may increase your cost twenty percent or more. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Better credit scores mean better rates – Credit score is a big factor in determining your rates. People with good credit tend to be more responsible than those with lower credit ratings. If your credit score is low, you could save money insuring your 2007 Nissan Versa by improving your rating.
  • Your spouse saves you money – Having a spouse can get you a discount on your policy. It is viewed as being more responsible and statistics show married drivers get in fewer accidents.

Cut your insurance rates with discounts

Companies offering auto insurance don’t always publicize all their discounts very well, so we researched both the well known and also the lesser-known insurance savings.

  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when shopping for insurance for Versa coverage.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Versa coverage.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Versa coverage with certain companies.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more if your company offers it.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free insurance policy, you won’t be that lucky.

To see a list of insurers with the best insurance discounts, follow this link.

You are unique and your insurance coverage should be too

When buying coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Does coverage extend to my business vehicle?
  • Is my 2007 Nissan Versa covered for flood damage?
  • Am I getting all the discounts available?
  • How do I insure my teen driver?
  • Are my friends covered when driving my 2007 Nissan Versa?
  • Should I waive the damage coverage when renting a car?
  • What is UM/UIM insurance?
  • When should my teen driver be added to my policy?
  • How much liability insurance is required?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

The coverage is in the details

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Versa.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance will cover injuries or damage you cause to people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means 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 claims such as repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like rehabilitation expenses, chiropractic care, surgery and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

More quotes mean more savings

We just covered quite a bit of information on how to get a better price on 2007 Nissan Versa insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Discount insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional auto insurance information can be read at these links: