2008 Nissan Versa Insurance Quotes

Trying to find lower insurance rates for your Nissan Versa? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as GEICO and Progressive all claim big savings, bombarding you with advertising and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but a few must be manually applied prior to receiving the credit. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Defensive Driver – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Accident Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

A partial list of companies that may have these benefits are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings might not be offered in your area.

Insurance agents can help

When choosing the best insurance coverage, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.

  • Are my friends covered when driving my 2008 Nissan Versa?
  • How much liability coverage do I need in my state?
  • I don’t drive much so do I pay less?
  • Does car insurance cover theft of personal property?
  • Is extra glass coverage worth it?
  • Is a fancy paint job covered?
  • Do I have coverage for damage caused while driving under the influence?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Slick advertising tricks that work

Consumers constantly see and hear ads for the lowest price auto insurance by companies like Allstate, GEICO and Progressive. All the companies make the same claim of big savings if you switch to them.

How do they all make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a preferred risk might be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile receives the best rates and most likely will save when they switch companies.

Drivers who are not a match for this ideal profile must pay a more expensive rate which usually ends up with business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that much. That’s the way insurance companies can make those claims.

This illustrates why you should compare many company’s rates. It’s not possible to predict which insurance companies will fit your personal profile best.

Parts of your auto insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by auto insurance companies.

Coverage for liability

Liability insurance will cover damage or injury you incur to other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, court costs, attorney fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Versa.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, rehabilitation expenses, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims such as fire damage, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, crashing into a ditch, colliding with a tree, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Knowledge is power

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped physical damage coverage only to discover later that the savings was not a smart move. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

In this article, we covered a lot of techniques to compare 2008 Nissan Versa insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest premiums are with a small local company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Even more information can be read in the articles below: