Lower Your 2013 Nissan Versa Car Insurance Cost

Want the cheapest car insurance rates for your Nissan Versa? Trying to find the cheapest insurance for a Nissan Versa can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to shop for car insurance and you need to know the best way to price shop coverage for a new or used Nissan and obtain the cheapest rates from local insurance agents and online providers.

Smart consumers take time to get comparison quotes before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Versa coverage on your last policy other companies may now be cheaper. You can find a lot of wrong information about car insurance on the internet, so with this article, you’re going to get some tested techniques to reduce your car insurance bill.

Quick Auto Insurance Quotes

Reducing your 2013 Nissan Versa insurance rates is not rocket science. All you need to do is invest a little time comparing rate quotes online with multiple companies. This can be done using a couple different methods.

  1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing repetitive form submissions for each company. One simple form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to shop for auto insurance online requires a trip to each company’s website and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Farmers, State Farm and Allstate. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage information on every quote. If you compare different deductibles it’s not possible to make a fair comparison for your Nissan Versa.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Most are applied when you quote, but a few need to be asked for prior to receiving the credit. If you’re not getting every credit available, you’re just leaving money on the table.

  • Accident Forgiveness – A few companies allow you one accident without raising rates as long as you don’t have any claims for a set time period.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on Versa coverage.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck. Any amount of discount will reduce your premiums.

For a list of insurers with discount insurance rates, click here.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.

These are some specific questions could help you determine if your situation may require specific advice.

  • Is pleasure use cheaper than using my 2013 Nissan Versa to commute?
  • Do I really need UM/UIM coverage?
  • Am I covered when delivering products for my home-based business?
  • Should I buy full coverage?
  • Is motorclub coverage worth it?
  • What is no-fault insurance?
  • Is business property covered if stolen from my car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Why your Nissan Versa insurance rates may be high

Consumers need to have an understanding of the factors that go into determining your insurance coverage rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Mature drivers pay less – Teenage drivers are known to be less responsible when driving so insurance coverage rates are higher. Parents adding a young driver to your insurance coverage policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Never allow your policy to lapse – Not having insurance is illegal and your next policy will cost more because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies award lower rates to people who are claim-free. Auto insurance is intended for the large, substantial claims.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

The insurance coverage bait and switch

Consumers can’t get away from ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies make an identical promise of big savings if you move your coverage to them.

How do they all make the same claim?

All the different companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and has a short commute. Any driver who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile will be quoted a higher premium and this can result in business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That is how companies can advertise the savings.

This emphasizes why you should quote coverage with many companies. It’s not possible to predict the company that will give you the biggest savings on Nissan Versa insurance.

Insurance coverage options for a Nissan Versa

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance 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 pays for claims such as damaging your car on a curb, sustaining damage from a pot hole, rolling your car, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured or underinsured coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2013 Nissan Versa.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Liability coverages – Liability coverage can cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like court costs, repair costs for stationary objects, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, fire damage, a tree branch falling on your vehicle and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like doctor visits, funeral costs, dental work, EMT expenses and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Make an honest buck

Consumers change insurance companies for many reasons like delays in responding to claim requests, unfair underwriting practices, not issuing a premium refund and delays in paying claims. Whatever your reason, switching companies is actually quite simple.

The cheapest 2013 Nissan Versa insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We’ve covered a lot of techniques to lower your insurance rates. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies.

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