Lower Your 2010 Nissan Versa Insurance Cost

Trying to find lower insurance rates? Buyers have lots of choices when searching for low-cost Nissan Versa insurance. They can either waste time calling around trying to get quotes or save time using the internet to compare rates.

There are more efficient ways to find insurance online so we’re going to tell you the proper way to compare rates on a Nissan and locate the best price possible from both online companies and local agents.

How to save on 2010 Nissan Versa insurance

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be specially asked for prior to receiving the credit. If they aren’t giving you every credit available, you are paying more than you should be.

  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
  • Own a Home – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Versa insurance than drivers with accidents.

A little note about advertised discounts, many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down your overall premium however.

A partial list of companies that may offer these discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts might not apply in your state.

Quick Insurance Coverage Quotes

There are several ways to compare Nissan Versa insurance coverage quotes, but there is one way that is less labor-intensive and much quicker. You can spend countless hours talking to agents in your area, or you could use online quotes to get pricing more quickly.

The majority of car insurance companies take part in a program where insurance shoppers complete one form, and each company then returns a price quote based on that data. This system prevents you from having to do quotation requests for every insurance coverage company. To get comparison pricing now click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose which insurance companies you will receive quotes from. If you prefer to choose specific providers to compare prices, we put together a list of low cost insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use the exact same coverage information with each company. If you have higher or lower deductibles it’s not possible to determine the best price for your Nissan Versa.

These factors can influence Nissan Versa insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The list below includes some of the items that factor into rates.

  • More miles equals more premium – The more you drive in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos that are left in the garage qualify for better rates than those used for commuting. Verify your insurance coverage policy shows the correct driver usage. If your policy improperly rates your Versa may be wasting your money.
  • Never go without insurance – Driving with no insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • Marriage pays dividends – Getting married can get you a discount on insurance coverage. Having a significant other means you’re more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Rates may be higher depending on your occupation – Careers like real estate brokers, executives and financial analysts are shown to have higher average rates due to high stress levels and long work hours. Conversely, jobs such as pilots, engineers and retirees pay the least for Versa insurance.
  • More people means more accidents – Being located in small towns and rural areas can be a good thing when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have much more traffic to deal with and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Adjust deductibles and save – Physical damage deductibles define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, damage caused by hail, and burglary. The more expense the insured has to pay upfront, the less your insurance coverage will be for Versa insurance.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • At what point should I drop full coverage?
  • Why does it cost so much to insure a teen driver?
  • What is PIP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need rental car coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages for a Nissan Versa

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like X-ray expenses, chiropractic care, dental work, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Versa resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, driving through your garage door, hitting a parking meter, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2010 Nissan Versa.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, bail bonds, funeral expenses and emergency aid. How much coverage you buy is up to you, but you should buy as large an amount as possible.

More choices the merrier

In this article, we presented a lot of tips how to lower your 2010 Nissan Versa insurance rates. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the most savings is with an unexpected company.

As you shop your coverage around, never skimp on coverage in order to save money. There are too many instances where an insured dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Insureds change insurance companies for a number of reasons such as being labeled a high risk driver, unfair underwriting practices, questionable increases in premium and high prices. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

To learn more, link through to these articles: